We provide lender-ready capital raise packaging and debt or equity placement support for business owners and buyers looking to secure serious term sheets and close funding on a defined timeline.
For business owners and acquirers pursuing private debt or equity, submit your deal for review. We revert within one working day with next steps and either a quote for our services.
For pre-submission discussions, we offer paid consultations. To initiate underwriting and lender outreach, submit the deal.
European bank trade lines can be hard to access, slow to renew, or too rigid for fast-moving commodity and import-export cycles. Non-bank lenders can finance the same commercial reality, but only when the deal is documented, verifiable, and controlled.
Financely underwrites the transaction first, then introduces you to suitable non-bank lenders and specialist capital providers. The goal is simple: a lender-ready file, a clean diligence path, and a structure that can actually close.
In practice, alternatives to banks fall into a few categories: receivables-based facilities, asset-based borrowing bases, inventory and collateral-managed structures, and private credit solutions tailored to short-tenor trade cycles. The funding source changes, but the underwriting logic does not.
Working capital against eligible invoices. Strongest when the buyer is investment-grade or otherwise verifiable, disputes are low, and collections are trackable. Trade credit insurance can expand capacity where the risk is insurable.
Purchase of payment claims or receivables, often used for export flows and documented payment obligations. These structures rely on documentary integrity, enforceability, and clean assignment mechanics.
Revolving facilities secured by eligible receivables and sometimes inventory. Expect reporting cadence, eligibility tests, concentration limits, reserves, and controlled cash flow.
Funding against inventory under an independent collateral manager or warehouse operator, with clear title, inspections, and release mechanics. This is common in metals and energy-linked supply chains where custody and title can be verified.
Funding to pay suppliers to execute confirmed orders, typically with controlled disbursement and strict documentary checks. It works when the commercial chain is real and the logistics are executable.
Short-duration facilities designed around shipment, delivery, and receivables collection timelines. These lenders focus on controls and recoveries, not promises or templates.
Non-bank lenders still run credit. They want repayment sources, downside recoveries, and an operationally defensible structure. Deals fail when the documentary chain is weak, title is unclear, or cash control is missing.
| Underwriting Area | What Lenders Expect | What Breaks The Deal |
|---|---|---|
| Commercial Chain | Signed contracts, pricing references, incoterms, deliverables, and enforceable payment obligations. | Vague terms, unverifiable counterparties, circular flows. |
| Documentation | Clean purchase orders, invoices, shipping plan, title and custody path, and a clear funds flow. | Missing documents, inconsistent dates, unsupported volumes. |
| Controls | Assignments, pledges, blocked accounts, controlled disbursement, and independent verification where needed. | Uncontrolled proceeds, no enforcement path, no monitoring. |
| Performance | Track record, financial capacity, and evidence the operation can execute the cycle. | First-time flows with no mitigants, weak governance, weak liquidity. |
| Compliance | KYC and AML, sanctions screening, and clean beneficial ownership disclosures. | Opaque ownership, restricted jurisdictions, adverse screening results. |
We identify what is financeable, what is missing, and what needs to be tightened. If the structure is not defensible, we tell you early.
We prepare a lender-grade memo and a structured data pack: transaction map, counterparties, documents, controls, and sources and uses.
We introduce your deal to lenders that actually lend in that box. This reduces wasted time and reduces “soft interest” that never closes.
We coordinate Q&A, diligence steps, and closing conditions to keep the process moving and avoid last-minute surprises.
Yes, subject to jurisdiction, asset type, counterparty profile, and compliance clearance. Cross-border trades usually require stronger documentation and tighter controls.
Yes. Many non-bank structures are receivables- or asset-based and do not require a letter of credit. The lender still requires verifiable contracts and controlled proceeds.
Invoice finance can move quickly when the obligor is strong, the invoices are eligible, and the documentation is complete. Weak paperwork slows everything down.
No. Financely is not the lender. We improve certainty of execution by underwriting the deal, packaging it to lender standards, and introducing it to aligned capital providers.
A transaction summary, contracts or purchase orders, counterparties, sources and uses, and basic financials. If inventory is involved, include the custody and title path.
If you have a real transaction and need trade finance beyond a bank line, submit your file for underwriting. We will revert with lender fit and a clear diligence path.
Request A QuoteDisclaimer: This page is for general information only and does not constitute legal, tax, regulatory, investment, or credit advice, and it is not an offer or commitment by Financely or any third party to provide financing. Financely is not a bank or lender. Any facility is provided solely by third-party institutions under their own policies, approvals, and definitive documentation. All matters are subject to underwriting, borrower eligibility, KYC and AML review, sanctions screening, and closing conditions. Any regulated activities are conducted by appropriately licensed third-party partners where required, under separate engagement and applicable law.
Financely advises growth-focused businesses on accessing capital by introducing their opportunities to professional investors. Financely is not a securities broker or dealer. Where appropriate, engagements are coordinated with regulated broker-dealers, investment banks, legal counsel, and other specialists.
Financely does not solicit, offer, or accept orders to buy or sell securities and makes no assurance regarding capital-raising outcomes.
Services are strictly business-to-business. Financely does not provide personal finance, consumer credit, or retail advisory services.
Advisory services are reserved for post-revenue companies that recognize the time and resources required for professional underwriting.
To proceed,
request a quote
and receive indicative commercial terms. If you require guidance before engaging,
book a paid telephone consultation.
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Email supportdesk@financely-group.com for general enquiries, press & partnership requests.
All mandates start with an RFQ. We review submissions, issue a brief Go/No-Go memo, and where bankable, release a Term Sheet that leads to funding. We arrange capital across Senior Secured, Unitranche, Second Lien/Mezzanine, Preferred Equity, and Gap Solutions. We do not process deals by email or chat.
Letters of Credit, Standby LCs, Confirmations, Receivables Finance, and Inventory Lines with control.
Funding arranged for trade flows with instruments sized to your cycle and aligned to delivery and settlement.
Move forward to secure working capital and keep goods moving. Submit the RFQ to start underwriting for funding.
Limited or non-recourse structures for energy and infrastructure with lender-ready materials.
Funding solutions aligned to project cash flows with credible covenants and conditions to reach notice to proceed.
Advance the file to termable status. Submit the RFQ so we can underwrite and secure funding.
Debt and Preferred solutions anchored on cash flow, Quality of Earnings, and clear closing mechanics.
Funding across senior, unitranche, and preferred to match stable cash flows and acquisition timelines.
Get financed on workable terms for closing. Submit the RFQ to start underwriting.
Acquisition, development, bridge, and refinance with lender-ready packs and third-party reports managed.
Funding calibrated to DSCR, leverage, and tenancy with terms designed to close.
Move to a financeable package. Submit the RFQ to initiate underwriting for funding.
KYC and Source of Funds required. Engagements are best-efforts and subject to underwriting. Preference for operating companies with meaningful revenue. See our FAQ and Procedure.
Financely Inc. (“Financely”) provides corporate-finance advice and is wholly owned by Aurora Bay Trust, a trust formed under Bahamian law, together with its authorized affiliates. Depending on deal structure, jurisdiction, and local rules, engagements may be carried out through Financely Group LLC, a non-deposit-taking, non-banking financial company; Ashford Capital Advisory LLC; or another related entity.
Financely and its affiliates are not registered as securities broker-dealers and do not execute securities transactions or hold client funds or securities. When a mandate involves the purchase or sale of securities and a registered intermediary is required, any orders are introduced to and executed by one or more independent U.S. broker-dealers registered with the SEC and FINRA. Those broker-dealers are solely responsible for trade execution, custody, and related regulatory obligations. Nothing in this material constitutes an offer, solicitation, or recommendation to buy or sell any security or to engage in any specific transaction. Before engaging Financely Group LLC, Ashford Capital Advisory LLC, or any affiliate, you are responsible for confirming that such engagement complies with your own legal, regulatory, tax, and other requirements. In the United States, certain advisory activities may be conducted in reliance on exemptions available under the Investment Advisers Act of 1940, including the “foreign private adviser” exemption where applicable. Our services and regulatory status may vary by jurisdiction and by transaction type.
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