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
The down payment in an acquisition is not just cash. It is the risk buffer that tells a lender you can absorb volatility, integration costs, and surprises. If the equity is light, the structure must compensate in other ways.
For acquisition financing routes, see: SMB acquisition finance.
In underwriting, “down payment” usually means verified buyer capital at risk in the transaction. Lenders want it to be real, traceable, and committed to the deal. The exact requirement varies by lender, deal quality, and industry risk, so treat any rule-of-thumb you hear as a starting point, not a promise.
| Equity source | Why it helps | Typical lender concern |
|---|---|---|
| Buyer cash | Clean alignment and simplest to underwrite | Source of funds must be documented |
| Seller note | Shows seller conviction and reduces cash at close | Subordination terms and payment profile |
| Partner equity | Balances skill and capital, reduces leverage | Governance and control rights |
| Structured gap funding | Bridges an equity shortfall with defined economics | Pricing, intercreditor terms, and execution risk |
In many lower middle market acquisitions, the structure matters as much as the headline price. Seller notes can reduce the cash requirement and can improve lender confidence when the seller remains economically exposed post-close. When the gap is larger, you may need a separate tranche.
If lenders are pushing back on equity, read: how to secure gap funding for a business acquisition.
Buyers often under-budget the total cash need by ignoring working capital adjustments, diligence costs, professional fees, and lender closing items. Your sources and uses should include everything, or you risk a late scramble that slows closing.
Financely structures acquisition capital stacks and runs a lender process to produce real term sheets and a closing path. If you want a structured outreach and term sheet workflow, start here: Lender Introduction and Term Sheet Auction Management.
Share your LOI or purchase agreement, target financial summary, and buyer profile. We will revert with the likely equity expectations by lender type and the structures that can bridge gaps cleanly.
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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