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.
Commercial Real Estate
Refinance multiple assets under one coherent facility, with lender-ready underwriting and a controlled closing process. We build the package, run lender outreach, drive term sheets, and manage diligence through funding.
If you are starting from scratch, review how Financely works or go straight to Commercial Real Estate financing.
Portfolio refinancing replaces or restructures debt across two or more properties, typically under one credit agreement. It can be a single blanket facility (cross-collateralized) or multiple coordinated loans that close together. The goal is simple: lower cost of capital, extend maturity, release trapped equity, simplify reporting, or fund capital expenditure across the portfolio.
There is no single best structure. The right answer depends on asset type, geography, tenant mix, current leverage, and how fast you need certainty. We match the structure to lender appetite and your exit plan.
| Structure | Where it fits | Key points |
|---|---|---|
| Blanket senior loan | Stabilized multi-asset portfolios that need consolidation | Cross-collateral and cross-default. Release pricing and partial release terms matter a lot. |
| Senior plus mezzanine | Higher leverage, transitional NOI, or heavier capex | Mezz can raise proceeds, but brings intercreditor terms, cash sweep triggers, and tighter controls. |
| Preferred equity layer | Owners who want flexibility versus mezz covenants | Often easier on cash flow, but pricing is higher and documentation can be bespoke. |
| Bridge refinance takeout | Stabilization is close, but not complete | Focus is certainty of close and execution speed, then refinance again into term debt. |
| Coordinated single-asset loans | Portfolios where cross-collateral is not desirable | Separate loans reduce cross-default exposure, but may reduce leverage and complicate execution. |
Tell it like it is: if you want a blanket loan, negotiate releases early. If you plan to sell assets during the term and the release language is weak, you can trap yourself in a facility you cannot unwind cleanly.
Below is an illustrative portfolio refinance stack. This is not a quote. It shows how proceeds and risk are typically layered.
| Layer | Typical share | Purpose |
|---|---|---|
| Senior mortgage | 55% to 70% of portfolio value | Core refinance takeout, longer tenor, tight underwriting and covenants. |
| Mezzanine debt | 0% to 15% | Incremental proceeds for leverage, acquisitions, or equity release. |
| Preferred equity | 0% to 20% | Optional layer when cash flow or flexibility matters more than lowest cost. |
| Sponsor equity | Remainder | Skin in the game plus cushion for lender credit committees. |
| Reserves | Case-specific | Capex, tenant improvements, leasing commissions, taxes, insurance, interest reserves. |
We are not a bank and not a direct lender. We run a lender process designed to produce written term sheets and a clean path to closing. Where regulated execution is required, delivery is coordinated through appropriately licensed firms under their own approvals.
Timelines depend on portfolio complexity, existing lender constraints, and third-party reports. Call protection, defeasance, and consent requirements are the usual reasons “fast” becomes “slow.” This is the workflow we run to keep control.
| Phase | What happens | Typical timing |
|---|---|---|
| Fit screen | High-level review of portfolio, debt schedule, objectives, and constraints. Confirm lender lane and feasibility. | 1 to 3 business days |
| Underwrite and package | Build lender package, finalize data room, and align narrative, metrics, and diligence plan. | 5 to 10 business days |
| Lender outreach | Structured outreach, NDA flow, management Q&A, and bid shaping into term sheets. | 2 to 4 weeks |
| Term sheet selection | Select the best executable offer, negotiate key legal and economic points, start lender diligence. | 3 to 7 business days |
| Diligence and closing | Third-party reports, legal docs, final credit approvals, closing conditions satisfied, then funding. | 30 to 60+ days |
Speed lever: the fastest refinances are the ones with clean borrower KYC, clean property files, stable in-place income, and a realistic proceeds target. If the file is thin or the story keeps changing, lenders slow down and terms get worse.
Portfolio refinancing is a process, not a single phone call. Our mandates are structured with a retainer to underwrite and run outreach, plus a success fee payable at closing. Third-party costs (appraisal, environmental, engineering, legal, title) are paid directly by the borrower.
If you have two or more properties to refinance, send your debt schedule and portfolio snapshot. We will revert with next steps, a document checklist, and the fastest lender lane based on your assets and constraints.
Start with Commercial Real Estate financing or submit your file through our contact form.
This page is for general information only and does not constitute legal, tax, investment, or regulatory advice. Financely is not a bank and not a direct lender. Any engagement is subject to diligence, compliance screening including KYC, AML, and sanctions, lender and counterparty approvals, and definitive documentation. Timelines and outcomes vary by asset quality, borrower profile, existing debt constraints, and third-party diligence.
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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