The fastest way for a strong commercial transaction to die is a small missing layer of capital. Not because the asset is weak. Not because the sponsor lacks intent. The deal stalls because the senior lender caps proceeds, the buyer wants a larger equity check, or the borrowing base leaves a margin hole that nobody priced early enough.
The gap problem shows up in far more than property. It appears in trade flows where inventory and receivables cannot support the full funding need, in business acquisitions where senior debt stops short of enterprise value, and in project finance where sponsor equity requirements tighten right before financial close.
CommercialGapFunding supports capital matching and structured solutions for:
The unifying thread is not the sector. It is the senior position already in motion and a quantified shortfall that can be filled with risk capital on clearly documented terms.
Sponsors often look for a solution using different language. These searches usually reflect the same underlying need:
Gaps are often a math problem created by normal underwriting discipline. Senior lenders protect loan-to-value, debt service, and collateral coverage. Buyers face rising capex, insurance, or interest costs. In trade flows, borrowing-base formulas reduce availability at exactly the moment the shipment cycle needs more liquidity.
In acquisitions and projects, the gap can appear late when valuations tighten, diligence exposes additional reserves, or a lender reduces advance rates to protect downside scenarios.
The earlier the gap is quantified, the more control the sponsor retains over pricing and structure.
The optimal tool depends on cash flow timing, covenant tolerance, and the sponsor’s control priorities.
Gap capital is underwritten risk capital. A disciplined submission changes how quickly capital providers engage. Strong files usually include:
Concept-stage requests without a defined senior path are not “gaps.” They are early capital raises. That distinction protects both sponsors and capital providers.
Many capital providers invest across multiple commercial asset types. The screening logic is consistent even when the collateral changes. A platform that standardizes submissions, clarifies the senior position, and frames the gap in clean risk language cuts wasted time on both sides.
CommercialGapFunding is positioned as a practical route for sponsors who need speed, fit, and clear structure when searching for mezzanine, preferred equity, or other gap instruments.
No. The platform supports gaps across Commercial Real Estate, Trade Credit and Receivables, Business Acquisitions, and Project Finance.
It is capital used to cover margin or availability shortfalls created by conservative inventory and receivables advance rates. The gap layer can be structured as subordinated risk capital behind a senior facility.
Mezzanine is debt, typically secured by a pledge of equity interests. Preferred equity is an equity instrument with priority return mechanics. The choice depends on the senior lender’s rules, the cash flow schedule, and the sponsor’s control objectives.
The best timing is when a senior lender is engaged or a term sheet exists, the sponsor has committed equity, and the shortfall is a defined number.
Private credit funds, mezzanine and preferred equity managers, family offices supporting sponsor platforms, and specialist investors active in trade and project risk layers.
No. Outcomes depend on the quality of the transaction, documentation depth, pricing expectations, and fit with investor mandates.
Equity gaps and collateral gaps are not niche problems. They are routine friction points in commercial execution. A structured matching process helps viable transactions close without distorting the risk stack or wasting weeks on mismatched outreach.
Learn more at commercialgapfunding.com.
Disclaimer: This article is for general information only and does not constitute legal, tax, or investment advice. CommercialGapFunding provides matching and introduction support for professional users. Any loans, securities, guarantees, or other regulated products are offered and executed through licensed entities and legal counsel in the relevant jurisdictions, subject to full underwriting, KYC, AML, and sanctions screening. No funding outcome, timeline, or pricing level is guaranteed.
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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.
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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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