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.
Business Acquisition Loans
Addbacks can be real, and they can also be the fastest way to lose lender trust. The difference is evidence. If the lender cannot verify the adjustment, it is treated as noise.
If you are preparing your file for underwriting, this helps frame lender expectations: commitment letter guide.
An addback is an adjustment to reported earnings meant to reflect normalized, sustainable cash flow. Lenders accept addbacks when they are specific, non-recurring, and documented. They reject addbacks that rely on belief rather than proof.
| Addback type | What makes it credible | What to show |
|---|---|---|
| One-time legal or settlement expense | Clearly non-recurring and resolved | Invoice, matter summary, payment proof |
| Owner personal expenses run through the business | Consistent identification and removal | GL detail, receipts, bank statement tie-out |
| Non-recurring repair or casualty event | Documented incident and no repeat pattern | Work orders, insurance record, vendor invoices |
| Payroll normalization | Real plan for replacement management cost | Org chart, market comp rationale, offer letters if relevant |
If the cost does not exist yet, it is not an addback. Lenders may consider it only if it is contractual and near-term.
If the same category appears every year, lenders treat it as recurring. You need a real explanation and a hard stop.
Addbacks are a timeline risk because they trigger rework. A lender underwriter will ask for supporting detail, then run it through internal credit. If your support is scattered, the deal slows. If your support is clean, the deal moves.
Financely builds lender-ready acquisition packages and manages lender outreach and term sheet workflow. If you want a structured lender process that produces written term sheets, start here: Lender Introduction and Term Sheet Auction Management.
If the addback debate is masking an equity shortfall, this is the reference: gap funding for business acquisitions.
Share your LOI or purchase agreement, trailing financials, and your addback schedule with supporting documents. We will revert with lender-ready positioning and the shortest route to underwriting. For process expectations, see How It Works.
This page is for general information only and does not constitute legal, tax, investment, or regulatory advice. Financely is not a bank and does not custody client funds. All outcomes are subject to diligence, compliance screening including KYC, AML, and sanctions, lender approvals, and definitive documentation.
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.
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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