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 Financing
Buying a business with debt is normal. The part most buyers get wrong is the submission. Lenders do not “finance an LOI.” They finance a verifiable cash flow story, clean deal terms, and a file that can be diligenced fast.
This guide shows what lenders look for, what to prepare at LOI stage, and how to move from interest to written term sheets. If you want Financely to run the process, start with How It Works.
In a business acquisition, the lender is underwriting repayment first. Collateral helps, but most acquisition credit decisions start with whether the target business can service debt after owner compensation, taxes, and normal reinvestment. That is why lenders push hard on quality of earnings, customer concentration, and working capital stability.
Common misunderstanding: “I have an LOI, so I can get financing.” An LOI helps, but it is not the file. Your lender file is the target financial picture, the deal terms, your equity plan, and a downside case that still repays.
Sometimes you can get early lender interest with an LOI, but serious underwriting usually starts when the deal terms are stable and the diligence plan is clear. Treat LOI stage as the moment to build the lender pack, not the moment to blast the market.
The goal is to enter diligence with a financeable structure and realistic lender targets.
This is when lenders move from interest to term sheet conditions.
Buyers lose time because they chase financing before they have a coherent lender file. This is the document set that typically moves lenders from “send more info” to “credit review started.”
| Category | What to provide | What it answers |
|---|---|---|
| Deal terms | LOI or purchase agreement draft, purchase price breakdown, sources and uses, expected closing date, key conditions, and any seller financing terms. | What is being bought, for how much, and how the transaction is funded. |
| Target financials | Last 3 years financial statements, trailing period and year to date management accounts, revenue and margin detail, add-backs support, and basic customer concentration. | Whether cash flow is real, stable, and sufficient for debt service. |
| Working capital | Working capital history, AR aging, inventory summary if applicable, and seasonal swings. | Whether the business needs cash injections post-close and whether a revolver is required. |
| Buyer profile | Buyer resume and track record, ownership structure, KYB details, equity source evidence, and post-close operating plan. | Who will run the business and whether the sponsor can support the structure. |
| Debt and constraints | Existing debt schedule (target and buyer if relevant), liens, guarantees, and any constraints that affect refinancing or assumption. | Whether new debt can sit in the required position and close cleanly. |
| Forecast and downside case | Forecast with assumptions register, integration plan when relevant, and a downside case showing covenant headroom and repayment resilience. | Whether the deal survives stress and still repays. |
Terms vary by industry, concentration risk, margin stability, and whether the structure is cash flow based or asset-based. The fastest way to get real terms is to present a package that a credit team can underwrite quickly and confidently.
Financely is built for one repeatable outcome: package the acquisition to lender standards, route it to matched lenders, and run decisioning to written outcomes. If you want the process view, start at How It Works. If you want to submit, use Contact Us.
| Deliverable | What it includes | Why it matters |
|---|---|---|
| Acquisition lender pack | Underwriting memo, sources and uses, debt schedule, key metrics, downside view, and a controlled data room that is lender-reviewable. | Lenders respond to a clean file. They ignore messy stories. |
| Matched lender routing | Outreach to lenders whose mandates fit the deal size, industry, risk profile, and structure. | Avoids wasted submissions and preserves credibility. |
| Decisioning workflow | Submission tracking, Q&A routing, term sheet comparison matrix, and documented written outcomes. | Turns “maybe” into decisions you can act on. |
Financely Term Sheet Desk is a single flat-fee mandate built for repeatable execution. The minimum requested facility size is USD 2,500,000.
| Item | Terms |
|---|---|
| Flat fee | USD 49,500 per mandate |
| Payment milestones | USD 19,500 to start USD 15,000 on lender-ready package delivery USD 15,000 when lender outreach begins |
| Minimum requested facility | USD 2,500,000 |
Use these questions to pressure-test your acquisition before you go to lenders. If you cannot answer them cleanly, the term sheet process will drag.
| Step | What happens | What you get |
|---|---|---|
| 1) Submit your deal | You submit the request and initial documents. We return a fit decision and a deal-specific checklist. | A clear list of what is required to reach underwriting review. |
| 2) Sign and pay to start | You sign the engagement letter and pay the start milestone. We open your platform workspace and set up the controlled data room structure. | A single workspace for documents, questions, and progress tracking. |
| 3) Package to lender standard | We build the lender pack and prepare the submission file. You review and approve the outreach version. | A lender-ready package that reads like an internal credit review file. |
| 4) Decisioning through written outcomes | We run matched outreach, log Q&A, track submissions, and normalize term sheets into a comparison matrix. When offers progress, we coordinate diligence sequencing toward closing under lender timelines. | Documented written outcomes and a controlled path from term sheet to closing. |
Refund Guarantee: If, within 90 days of engagement start (date of the start milestone payment), you do not receive at least one written term sheet or a written decline from matched lenders after outreach launch, you may request a refund of all Financely fees paid on that mandate. This guarantee is conditioned on timely delivery of required documents, accurate disclosures, and reasonable cooperation with lender Q&A. Third-party costs, if any, are not refundable.
Lenders usually want meaningful equity in the transaction, but the amount depends on the target’s stability, concentration risk, working capital behavior, and the structure. The only useful answer is the one tied to your specific deal and cash flow.
You can still get financing in some cases, but lenders will reduce size, tighten terms, or require additional protections. The fastest fix is to normalize the data, reconcile inconsistencies, and present a clean lender pack.
Sometimes, but lenders usually treat contingent payments conservatively. If the purchase price relies heavily on contingencies, expect tighter structures and stronger diligence.
No. Financely is not a lender. We package the deal to lender standards, introduce it to matched lenders, and run a controlled decisioning workflow to written outcomes.
If you want acquisition financing, stop sending half-files. Submit the deal, sign the engagement letter, and we will package, route, and run decisioning through written outcomes and, where applicable, through diligence sequencing toward closing.
Start with How It Works or submit directly via Contact Us.
This page is for general information only and does not constitute legal, tax, investment, or regulatory advice. Financely is not a bank, not a broker-dealer, and not a direct lender. Financely acts as arranger and advisor and coordinates execution through regulated partners where required. Any engagement and any introduction process is subject to diligence, KYC, AML, sanctions screening, lender criteria, and definitive documentation. The refund guarantee terms above apply only as stated and are subject to the cooperation and disclosure conditions described.
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.
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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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