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.
Business Acquisition Finance
Acquisition financing is not a vibe check. It is a closing plan backed by a lender ready file, credible equity, and a timeline that survives diligence.
This guide explains how we move buyers from LOI to written outcomes, and how bridge loans and gap financing fit when timing or equity creates friction.
If you want this workflow applied to your deal, submit here: Submit Your Deal. For process context, see How It Works.
Business acquisition financing is capital raised to purchase an operating company, fund working capital at close, and cover transaction costs. It can include senior acquisition term loans, cash flow loans, asset based loans, unitranche, mezzanine, preferred equity, seller notes, earn outs, and short tenor bridge loans used to close a timing gap.
The common mistake is treating it as one loan product. In reality, it is a capital stack problem with underwriting, documentation, and execution risk.
Plain truth: lenders fund certainty. They want a borrower that can operate the asset, a target with reliable cash flow, and legal documentation that closes cleanly.
Most acquisition files stall because the story, the numbers, and the documents do not match. Lenders are quick to decline deals that look improvised, even if the target business is solid.
Acquisition lenders underwrite three things at the same time: the buyer, the target, and the transaction structure. Any one of these can break the deal.
Bridge loans and gap financing are short tenor structures used when the deal is financeable but timing is not aligned. They can be used to cover equity shortfalls, close timing gaps, or satisfy close conditions while a longer term facility is completing diligence or documentation.
| Gap | Typical Bridge Use | What Must Be True | Common Protections |
|---|---|---|---|
| Equity timing mismatch | Bridge to close while equity is being finalized | Documented equity source, credible close plan | Escrow controls, step down on equity funding |
| Down payment shortfall | Equity gap facility paired with senior debt | Cash flow supports the combined stack | Second lien, covenants, reserve requirements |
| Working capital at close | Working capital bridge to prevent operational strain | Working capital mechanics are clear in the APA | Cash dominion triggers, reporting cadence |
| Fast close requirement | Interim bridge while term loan documentation completes | Underwriting is advanced and diligence is credible | Short tenor, tight controls, step in rights |
Bridge is not magic money. It prices for speed and risk, and it still requires real documents, clear security, and a believable take out plan.
Financely is an advisor. We structure and package your acquisition to lender standards, route it to matched capital providers, and manage decisioning to written outcomes. For a firm overview, see What We Do.
We review the submission and screen for financeability, execution risk, and the fastest credible path to a lender decision.
We organize the file so a credit team can review without chasing missing items or conflicting versions.
We produce a lender ready pack that ties the story to the numbers and the documents, with a clear structure and control set.
We route to capital providers that fit your size, sector, collateral profile, and timeline, then manage diligence and Q and A with version control.
Once term sheets arrive, the work is execution detail. We help you plan conditions precedent, legal documentation flow, and close pacing so the deal can actually fund.
Written outcomes are term sheets, credit approved indications, or formal declines with reasons. This forces clarity and prevents endless calls that never convert into a closing plan.
Timelines depend on file readiness, lender appetite, and diligence complexity. The table below is a practical pacing guide for routine transactions where the file is coherent and the seller is responsive.
| Phase | Typical Timing | Primary Output | What You Control |
|---|---|---|---|
| Submission and Fit Screen | 1 to 3 business days after complete submission | Gap list, structure direction, bridge assessment | Completeness of LOI, target financials, sources and uses |
| Packaging | 7 to 12 business days | Lender ready memo, model, data room index | Speed on missing items, consistency across documents |
| Decisioning | 10 to 25 business days | Written term sheets or written declines | Fast diligence answers and clean story discipline |
| Documentation and Close | 30 to 60 days, deal dependent | Definitive docs, conditions precedent satisfaction, funding | Seller responsiveness, third party timing, legal readiness |
| Bridge Execution | Deal dependent | Short tenor close support facility, then take out | Security readiness, take out path, disciplined reporting |
The fastest path to lender interest is a file that underwrites cleanly. This is what serious capital providers expect early.
Sometimes, depending on cash flow, sector, collateral, and seller support. The real question is whether the combined stack can survive a downside case and still service debt. Bridge and gap tools can help timing, yet they do not fix weak economics.
Bridge timing depends on security readiness and the credibility of the take out. A bridge is fastest when the legal and collateral picture is clean and the refinancing path is already mapped, not guessed.
For serious lender decisioning, an LOI with clear terms is a minimum. For final documentation and funding, a purchase agreement is normally required. If the seller is still changing terms weekly, expect delays.
Submit a complete, reconciled file and keep one definitive version of each document. Lenders move when the memo, model, and legal terms line up with no contradictions.
Yes, subject to jurisdiction, enforceability, and lender criteria. Cross border acquisitions tend to require stronger controls and more diligence time.
No. We manage process and decisioning to written outcomes, but lender credit decisions are independent and always subject to diligence, compliance screening, and definitive documents.
If you want term sheets for an acquisition, start with a lender grade submission. Share your LOI, target financials, sources and uses, equity plan, and closing timeline. We will revert with a structured checklist and next steps.
Acquisition financing is a closing discipline problem disguised as a capital problem. When the LOI terms are financeable, the file is reconciled, and the bridge plan is real, lenders can move.
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.
Security notice: we are aware of third parties using Financely’s name without authorization. Only emails sent from our official domains and communications through our portal are valid. Please verify any outreach before sharing documents or sending payments, and read our impersonation warning.
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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