If you’re asking for $1–10 million, banks and private lenders read the same way: numbers first, story second. Cash flow, collateral, and control decide everything. Below is a plain-English field guide to what actually closes, what it costs, and the minimum you need to bring so credit says “yes.”
| Structure | Typical Size / Tenor | When it works | Watch-outs |
|---|---|---|---|
| Cash-Flow Term Loan(senior secured) | $1–10M • 2–5 yrs • amortizing or bullet | Stable EBITDA, recurring demand, sensible leverage | DSCR > 1.25x; personal/limited recourse common under $5M |
| Borrowing Base Revolver (ABL) | $1–10M • 12–36 mo • revolving | Clean AR aging, defined ineligibles, tight collections control | Weekly/monthly BBCs, lockbox, field exams, reserves |
| Equipment Term Loan/ sale-leaseback | $0.5–8M • 2–5 yrs • amortizing | Hard assets with resale value; VIN/serials verifiable | Appraisals, maintenance covenants, title perfection |
| Owner-Occupied CRE(term or bridge) | $1–10M • 3–10 yrs | Business uses the property; predictable occupancy | DSCR & debt yield rules apply; environmental is decisive |
| Guarantee-Backed Loan(partial credit guarantee) | $2–10M • matches loan tenor | Strong business, light collateral; guarantor covers 80–90% | Guarantor fee, indemnity, lien map, real sponsor equity |
| Item | Range / Term | Notes |
|---|---|---|
| Facility type | Term loan, revolver (ABL), equipment loan, or hybrid | Chosen against cash flow predictability and collateral |
| Size | USD 1,000,000 – 10,000,000 (typical) | Upper end by collateral quality and EBITDA depth |
| Pricing (all-in) | Benchmark + 2.50%–6.50% (senior); ABL often lower; asset-light higher | Credit, tenor, collateral, and reporting drive the band |
| Amortization | Term: straight-line or cash sweep; ABL: interest-only revolving | Sweeps tied to excess cash or borrowing base cures |
| Advance rates (ABL/equipment) | AR: 70%–90% eligible; Inventory: 25%–60%; Equipment: up to 70% FMV | Ineligibles, reserves, and appraisals apply |
| Covenants | DSCR 1.20x–1.50x; Net leverage 2.0x–3.5x; Min liquidity tests | Borrowing base tests for ABL; springing sweeps on misses |
| Security & liens | All-assets lien (UCC) or specific collateral; guarantees as needed | Intercreditor if multiple lenders/guarantors exist |
| Conditions precedent | KYC/AML cleared, documents executed, perfection complete, insurance in place | Field exam/inspection where relevant |
| Reporting | Monthly management accounts; quarterly compliance cert.; BBCs per cycle | Audited annuals where available |
| Prepayment | Make-whole or step-down fee 0%–2% typical | Negotiated by tenor and margin |
Add time for legacy liens, tax issues, or disputed receivables.
We lead the credit work, map the right structure, and place the debt with lenders that will actually sign. That means building a defensible model, drafting a borrowing base that won’t fall apart, fixing lien and document gaps, and setting covenants you can live with. All placements are subject to underwriting and final credit approval.
Send financials, AR/AP agings, collateral map, and use of proceeds. We’ll size the deal, flag risks, and propose a structure that can close.
Review My Debt OptionsInformational only. Terms vary by sector, collateral, and credit profile. Any financing depends on lender approval, KYC/AML, documentation, and perfection of security interests.
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.
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.
Tap into solutions like letters of credit, bank guarantees, and payment facilitation. We address the challenge of global transaction risk through structured strategies that foster cross-border growth. Complete the form to unlock streamlined funding aligned with your commercial objectives.
Submit a RequestAccess non-recourse funding for infrastructure, renewable energy, or other capital-intensive ventures. We mitigate capital constraints by isolating project assets and focusing on risk management. Provide your details to receive a structure that drives growth and maximizes returns.
Submit a RequestSecure financing for business or real estate acquisitions. We ease transaction hurdles by reviewing cash flow, synergy opportunities, and exit plans. Complete the form for a customized proposal that supports your strategic investment objectives.
Submit a RequestFinancely assists banks facing Basel III pressures by distributing trade finance deals and providing collateral for letters of credit. We reduce capital burdens while preserving client relationships and fostering service expansion. Submit your request to optimize your trade finance offerings.
Submit a RequestOnce 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.
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.
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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