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.
For pre-submission discussions, we offer paid consultations. To initiate underwriting and lender outreach, submit the deal.
When a healthcare platform signs an operating agreement with a government hospital system, it does not immediately receive cash revenue. Services are delivered first. Clinical oversight is performed. Physicians are deployed and compensated. Administrative systems are implemented and maintained. Only after invoicing and internal approval cycles does payment occur.
Government payment cycles frequently range between thirty and ninety days. Even when the counterparty is reliable, the delay creates a structural working capital gap. Without financing, the operator effectively funds the public healthcare system during the reimbursement period. This is the primary financing problem the industry faces.
Many healthcare platforms initially approach lenders requesting a large unsecured facility. Credit committees do not evaluate the request based on the perceived importance of healthcare delivery. They evaluate repayment certainty. A company with limited operating history, minimal turnover, and no equity contribution provides little conventional credit support.
In structured healthcare finance, lenders are not financing a company. They are financing a payment stream created by a government service contract. If payments are verifiable, assignable, and controllable, financing becomes possible even for early-stage operators.
The focus shifts from corporate creditworthiness to payment mechanics. The enforceability of invoicing rights, the method of collection, and the priority of repayment determine credit approval.
| Component | Purpose |
|---|---|
| Notice of Assignment | Government acknowledges lender interest in receivables |
| Controlled Collection Account | Payments routed to monitored account |
| Cash Flow Waterfall | Debt service paid before profit distribution |
| Borrowing Base | Facility sized against eligible invoices |
Once implemented, payments flow into a controlled account. Funds are distributed according to a predetermined waterfall. Operating continuity is preserved, lenders are repaid, reserves are maintained, and only then are sponsor distributions permitted. This structure creates measurable repayment visibility.
Some government healthcare agreements require performance security. In those cases, a standby letter of credit may be required to assure service continuity. Such instruments must be issued by regulated banks and supported by collateral or credit enhancement.
Healthcare programs operating internationally introduce foreign exchange exposure, compliance requirements, and payment repatriation considerations. Financing documentation is therefore often governed by New York or English law, even when operations occur elsewhere.
For reference on public healthcare reimbursement structures and payment systems, lenders frequently review material published by the World Health Organization.
Large facility requests rarely receive immediate approval without operating history. Lenders prefer staged growth. Initial financing is aligned with current receivable flow. As payment performance is demonstrated and additional hospitals are onboarded, facility size can expand proportionally.
Healthcare operating agreements can be financeable when the transaction is structured around enforceable payment rights rather than corporate balance sheet strength. The determining factor is whether receivables can be legally captured and applied toward repayment with predictable timing.
Where payment assignment is acknowledged, collections are routed through controlled accounts, and a contractual waterfall prioritizes operating continuity and debt service, lenders can evaluate repayment risk with measurable certainty. The transaction becomes structured cash-flow lending rather than an unsecured loan to a new company.
Provide your hospital operating agreement, invoicing mechanics, and payment terms for review. We will assess whether the receivables and payment controls can support a structured working capital facility and any required performance instrument.
Submit Your DealYes, provided the service contract is enforceable, payment rights can be assigned, and collections are routed through a controlled account structure acceptable to lenders.
Not immediately on an unsecured basis. Financing is typically phased and increases as payment performance and receivable history are demonstrated.
No. A regulated bank will require collateral, cash margin, or a recognized credit enhancement arrangement before issuing a performance instrument.
Controlled accounts provide repayment visibility and ensure that debt service obligations are satisfied before sponsor distributions occur.
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.
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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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