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.
Private Credit And Growth Capital
Yes, some startups can raise private credit. Most cannot. Credit does not fund “potential.” It funds a repayment plan that a lender can stress test and control. For startups, that means venture debt in some cases, and structured debt tied to contracts, receivables, or assets in others.
The fastest way to waste time is to pitch debt like equity. Lenders care about downside control: cash runway, sponsor support, collateral or enforceable rights, and reporting discipline.
For Financely’s process, see How It Works and What We Do.
Private credit is non-bank lending, usually from private funds and specialty lenders. For startups, “private credit” typically shows up in three buckets: venture debt, recurring revenue facilities, and asset or contract-backed structured debt. The difference is simple: venture debt is often repaid through runway management and future fundraising, while structured debt is repaid through observable cash flows or enforceable claims.
Simple rule: if repayment depends on the next equity round, you are in venture debt territory. If repayment depends on contracts, receivables, or assets, you are in structured debt territory.
Venture debt is a loan or credit facility provided to venture-backed companies, usually alongside or after an equity round. It is designed to extend runway, reduce dilution, and fund predictable needs like working capital or equipment. Because the lender takes outcome risk, venture debt often includes warrants or equity-linked economics, plus tighter controls than a normal corporate term loan.
Venture debt is often used to:
Many startups are not good venture debt candidates, but can still raise credit if there is a defined repayment source. This is where structured debt becomes relevant.
Facilities sized to contracted recurring revenue, retention, and collections behavior. Underwriting focuses on churn, customer concentration, and cash conversion.
If you invoice credible counterparties and collect reliably, receivables may be financeable even if the company is young. The lender underwrites the buyer and the collections process.
If the business owns financeable equipment or hardware assets, lenders may size credit to the asset rather than the startup narrative.
If you have enforceable contracts with creditworthy payors, credit can be structured around those proceeds.
Lenders fund control and visibility, not vibes. Even when they accept venture risk, they still underwrite downside and monitoring.
| Underwriting Area | What The Lender Wants | Common Failure Point |
|---|---|---|
| Liquidity And Runway | Cash plan, burn discipline, downside case | Base case only, no contingency planning |
| Sponsor Support | Investor quality, follow-on behavior, bridge logic | Weak cap table and no backstop credibility |
| Revenue Quality | Retention, margin stability, collections behavior | Bookings story with weak cash conversion |
| Concentration | Limits and mitigation, contract mix | One customer drives most cash receipts |
| Reporting And Controls | Timely reporting, covenant compliance, audit trail | Messy data, late reports, unclear metrics |
Financely operates as a transaction-led capital advisory desk. We package mandates into lender-grade submissions and route them to matched capital providers, including venture debt and private credit channels where the fit is real. We do not promise approvals or funding. Our process is designed to get term sheets or written declines, so you can move fast and make decisions. Where execution requires licensing, we coordinate execution through appropriately licensed partners under their approvals.
Start with How It Works. If you have a defined use of proceeds, a runway plan, and the documents to support underwriting, submit your deal through Submit Your Deal.
If you are raising venture debt, a recurring revenue facility, or structured debt tied to receivables, contracts, or assets, submit your deal. We will revert with feasibility, a checklist, and an execution path sized to your timeline.
Not always. Venture debt usually expects venture backing, but structured debt can be raised against receivables, contracts, or assets even without a top-tier VC, if repayment is underwriteable.
Rarely. Without revenue, contracts, or a strong sponsor backstop, lenders have little to underwrite besides hope. Pre-revenue credit usually requires hard collateral or exceptional support.
It is commonly sized as a percentage of the most recent equity raise and the company’s runway profile. The exact sizing depends on burn, milestones, and investor support.
Covenants, liquidity minimums, warrant coverage, fees, draw conditions, and default triggers. These determine the real cost and the real operational constraint, not just the interest rate.
Financials, burn and runway analysis, cap table, investor details, cohort and retention metrics, customer concentration, key contracts, and a clear use of proceeds with downside case modeling.
Fast only happens when the file is lender-grade on day one and the product fit is real. If the repayment logic is vague, the process stalls.
The cleanest startup credit is the one you can live with. If the term sheet forces bad timing or constant covenant stress, it is not a win, even if it avoids dilution on day one.
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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