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
DSCR is the lender’s blunt question: does the business generate enough cash to pay the new debt and still breathe. If DSCR is thin, the deal can still close, but it usually needs structure, not wishful thinking.
If you are early in the process, start with a commitment letter mindset and build the file around underwriting conditions: commitment letter guide.
DSCR stands for Debt Service Coverage Ratio. In plain terms, it is cash flow divided by required debt payments. The definitions vary by lender, but the logic is consistent: stronger coverage means more comfort, looser terms, and fewer late-stage surprises.
Important: DSCR is not a spreadsheet vanity metric. Lenders stress it. They test it under downside cases, not your base case.
| Component | What it is | Why it becomes a fight |
|---|---|---|
| Cash flow | Often EBITDA or a lender-adjusted cash flow measure | Addbacks and normalization assumptions need proof, not opinions |
| Debt service | Interest plus scheduled principal, sometimes including seller note payments | Buyers forget amortization and closing fees that change payment burden |
| Owner compensation | Some lenders haircut cash flow for replacement management or owner draw | Underwriting assumes the business needs real management coverage |
| Stress adjustments | Downside revenue, margin compression, working capital swings | Seasonality and customer concentration show up here fast |
If purchase price is rich relative to stable cash flow, the debt stack needs support: more equity, seller carry, or a staged structure.
Many deals lean on “growth post-close.” Lenders will ask what is contractual versus aspirational.
Financely structures acquisition capital stacks and runs a lender process designed to produce written term sheets and a closing path. When a deal needs multiple options, we manage lender outreach and term sheet workflow through a controlled process: Lender Introduction and Term Sheet Auction Management.
If the issue is an equity shortfall, this is the reference: gap funding for business acquisitions.
Share your LOI or purchase agreement, target financial summary, and buyer profile. We will revert with likely DSCR constraints by structure, plus the shortest route to lender readiness. 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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