Debt Advisory for Middle-Market Companies

Debt Advisory for Middle-Market Companies — $5M to $100M

Debt Advisory for Middle-Market Companies

We arrange non-bank debt for operating companies with $5 million to $100 million requirements. The scope covers senior term loans, unitranche, second-lien, mezzanine, asset-based lending, and holdco PIK notes. We run underwriting, targeted lender distribution, negotiation, and closing management so you can get terms that actually fund.

Snapshot: First pass underwriting in 7–10 business days after full documents and cleared payment. Staged outreach to lenders that fit sector, jurisdiction, and ticket. Term sheet to funds flow with counsel and escrow. Typical execution 5–9 weeks depending on diligence and approvals.

When this service is the right tool

Refinance and extend runway
Replace short-dated or expensive debt with a cleaner structure.
Fund growth and capex
Finance expansion, equipment, and roll-outs with matched tenor.
Recap and shareholder actions
Redemptions, minority buyouts, or cleaning the cap table.
Acquisition support
Support for add-ons, carve-outs, and management buy-ins.

What you get

Underwriting
Credit memo, model, DSCR and sensitivities, covenant plan, security package, sources and uses.
Legal support
Comments to term sheets, intercreditor terms, CP checklist, and coordination with counsel.
Lender distribution
Curated send to private credit funds, specialty lenders, and banks where fit is clear.
Negotiation and closing
Term sheet to funds flow with escrow, lien perfection, insurance, and opinions.

Capital options we arrange

Senior term loan 24 to 60 months, interest-only period then amortization. Best for strong cash flow and collateral.
Unitranche Single facility replacing senior plus mezzanine. Faster execution for $10 million to $75 million needs.
Second-lien Adds leverage behind an existing senior. Requires workable intercreditor terms.
Mezzanine Subordinated debt with warrants or OID when coverage is tight. 36 to 60 months, light amortization.
Asset-based lending Revolving loans on receivables and inventory. Field exams, borrowing base, and controls apply.
Holdco PIK note Payment-in-kind at the holding company to reduce cash strain at operating company.

Core terms lenders look for

Leverage and coverage Sensible leverage vs EBITDA or asset cover. DSCR and interest coverage with headroom.
Security and perfection All-assets lien or targeted collateral, share pledge, UCC or local filings, control agreements, insurance endorsements.
Covenants Liquidity, leverage and fixed-charge coverage, reporting, no leakage without consent, limits on acquisitions and dividends.
Conditions precedent Clean KYC, lien searches, insurance binders, board and shareholder approvals, officer certificates, opinions, escrow.

How it works

  1. Intake: Submit the form with use of proceeds, structure, security, and timeline.
  2. KYC: Sponsor and borrower screening. Invoice issued after preliminary clearance.
  3. Underwriting: First pass memo in 7 to 10 business days after full documents and cleared payment.
  4. Distribution: Targeted send to lenders matched by ticket, sector, and jurisdiction.
  5. Closing: Term sheet to funds flow with counsel, CPs, filings, escrow, and perfection.

Documentation checklist

Item Details
Financials Three years historical, TTM, monthly for last 12 months, 24 to 36 month projections.
Model and sources and uses Integrated model with covenant headroom and cash buffers.
Contracts and collateral Major customers and suppliers, leases, IP, asset lists, insurance.
Corporate approvals Board and shareholder approvals, cap table, organizational charts.
KYC Sponsor identity, source of funds, sanctions screening.

Service tiers

Starter
Deal size $5,000,000 to $15,000,000
Included Analyst and legal support, underwriting, lender distribution, closing checklist
Onboarding fee $40,500
Success fee 2.0% of funded amount
Growth Most selected
Deal size $15,000,001 to $50,000,000
Included Priority distribution, advanced structuring, lender calls, negotiation through signature
Onboarding fee $81,000
Success fee 2.5% of funded amount
Enterprise
Deal size $50,000,001 to $100,000,000+
Included Senior partner oversight, full-time analyst, dedicated legal counsel, PR support on request
Onboarding fee $165,000
Success fee 3.0% of funded amount

Scope and limits

Item Details
Underwriting SLA First pass in 7 to 10 business days after full documents and cleared payment
Legal support Up to 10 hours to term sheet. Extra hours at $350 per hour
Distribution Targeted lenders matched by ticket, sector, and jurisdiction
Eligibility Post-revenue preferred, clean ownership, clear source of repayment, enforceable security
Refunds Fees are non-refundable once underwriting begins
Not a fit No DSCR path, fake or incomplete documents, unresolved legal blocks, or sanctions exposure

Frequently asked questions

How do you price debt?
Based on leverage, collateral, cash flow quality, and structure. Market clears when the story matches risk and lenders can perfect security.
Do you guarantee funding?
No. We are advisors, not a lender. We run a best efforts mandate with underwriting and targeted distribution.
Who pays for third-party costs?
The client pays for legal, QoE, valuations, filings, and any lender-required exams.

Start your onboarding

Submit your intake form. After KYC, your invoice will be issued. Underwriting starts when payment clears.

Submit Intake Form

Financely is not a lender and does not guarantee funding or bank instruments. All mandates are best efforts and subject to underwriting and compliance. Payments must only be made to bank details shown on your official invoice. Beware of unsolicited offers through unofficial channels.

Get Started With Us

Submit Your Deal & Receive a Proposal Within 1-3 Working Days

Submit your deal using our secure intake form, and receive a quote within 1-3 business days. Existing clients can connect with their relationship manager through our secure web portal.


All submissions are promptly reviewed, and all communications are conducted through the intake form or the client portal for a seamless and secure process.

Express Application Submit Your Deal
Request a Proposal
Request a Proposal / Submit a Deal

Thank you for considering working with us. A nominal fee of US$500 is required upon completion of each form. This fee covers the time and effort we invest in reviewing your submission and crafting a thorough proposal. We receive numerous inquiries and prioritize those that carry this fee, ensuring serious applicants receive prompt attention.

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Submit a Request

Once we receive your submission, our team will review your information to determine feasibility. If eligible, you will receive a proposal or term sheet within 1–3 business days. Visit our FAQ and Procedure pages for more information.

Disclaimer: Financely provides financing based on due diligence and feasibility. Approval is not guaranteed, and past performance does not predict future outcomes. All terms are subject to review. Financely primarily assists with structuring and distribution. Qualified parties carry out the project if the client approves the proposal.

Still Have Questions? Schedule a Consultation

If you still have questions after visiting our FAQ and Procedure pages, we invite you to book a paid consultation for personalized guidance. A $250 USD fee applies per session.