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.
Commercial Real Estate Construction Finance
Construction financing is not raised with a pretty deck. It is raised with an underwriteable budget, bankable contracts, a clean draw process, and a takeout story lenders believe. Financely Term Sheet Desk packages your construction deal to lender standards, introduces it to matched lenders, and runs tracked decisioning to written outcomes.
This is commercial only. Financely is not a lender. For the platform workflow, see How It Works and our Commercial Real Estate page: Commercial Real Estate Financing.
Construction lenders underwrite four risks at the same time: entitlement and permits, cost and schedule, leasing and stabilization, and the refinance or sale takeout. Your job is to show credible controls around each risk, not to claim it is “low risk.”
Terms depend on sponsor profile, asset type, location, pre-leasing, budget credibility, and takeout clarity. What follows is the language lenders will focus on during term sheet review.
| Term sheet focus | What it means in practice | What you should prepare |
|---|---|---|
| Loan to Cost and equity | Senior lenders typically size to total cost and require equity to be funded early and verifiable. | Sources and uses with proof of equity and timing by month. |
| Interest reserve | Lenders often require interest reserve sizing based on schedule plus buffer. | Construction schedule, burn rate, and reserve model. |
| Recourse and completion support | Even “non-recourse” deals often include completion and carry support, plus standard carveouts. | Guarantor profile and a clear support narrative that is consistent. |
| Draw process | Monthly draws with lender inspection, AIA-style pay apps, lien waivers, and retainage controls. | Draw package template, GC processes, and third-party inspection plan. |
| Reserves and covenants | Reserves for taxes, insurance, capex, TI and leasing commissions where relevant, plus reporting requirements. | Operating and leasing plan, stabilized underwriting assumptions. |
| Takeout story | Stabilization and refinance path or sale plan. Without this, construction debt terms tighten. | Stabilized pro forma, leasing milestones, perm takeout assumptions. |
If you want a fast underwriting path, your data room must mirror a lender credit memo. This is the checklist most serious lenders expect for a construction financing submission.
| Workstream | Documents and outputs | What it proves |
|---|---|---|
| Sponsor and KYB | Entity documents, ownership chart, principal IDs, track record, liquidity evidence, debt schedule. | Who is behind the deal and whether they can support completion risk. |
| Site and entitlement | Site control, zoning status, permits matrix, entitlement timeline, conditions and mitigation items. | Whether the project can legally be built on the stated timeline. |
| Budget and cost | Line-item budget, hard and soft costs, contingency, GC fee, procurement plan, cost-to-complete logic. | Cost credibility and whether the budget survives scrutiny. |
| Plans and reports | Plans and specs, geotechnical where relevant, environmental baseline (Phase I ESA where used), survey and title materials where applicable. | Whether there are hidden site or title issues that threaten schedule or cost. |
| Construction contracts | GC or EPC contract, GMP where applicable, schedule, LDs, warranties, subcontracting approach. | Whether cost and schedule risk is controlled contractually. |
| Draw and controls | Draw process, AIA pay app template, lien waiver protocol, retainage policy, inspection process. | Whether lender funds are protected during construction. |
| Leasing and stabilization | Rent roll, LOIs, leases, pre-leasing evidence, leasing plan, TI and leasing commissions assumptions. | Whether stabilized cash flow is credible and on schedule. |
| Model and takeout | Sources and uses, monthly cash flow during construction, interest reserve sizing, stabilized pro forma, refinance assumptions. | Whether the project reaches stabilization and repays the loan. |
| Insurance | Builder’s risk, general liability, professional liability where relevant, and an insurance summary aligned to lender requirements. | Whether key risks are insured and properly structured. |
Financely does one repeatable thing: lender-ready packaging plus matched introductions plus tracked decisioning. We do not sell lender lists. We run a controlled process to written outcomes.
| Deliverable | What it includes | What you see on the platform |
|---|---|---|
| Construction lender pack | Underwriting memo, sources and uses, budget and schedule normalization, sponsor profile, collateral and controls summary, covenant targets. | Controlled data room structure, checklist completion, version control. |
| Matched lender routing | Introductions to lenders whose mandates fit the asset type, size, geography, recourse profile, and takeout path. | Submission log, status tracking, follow-up cadence. |
| Decisioning workflow | Q&A routing, term sheet capture, and term sheet comparison matrix with key economics and controls. | Decision log and written outcomes you can act on. |
| Diligence sequencing support | Process management through conditions, third-party reports sequencing, and closing workflow visibility when offers progress. | CP tracker and timeline discipline toward closing. |
Financely Term Sheet Desk is a 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 |
| Step | What happens | What you get |
|---|---|---|
| 1) Submit your deal | You submit the construction summary and initial documents. We return a fit decision and a deal-specific checklist. | A clear readiness path tied to lender requirements. |
| 2) Sign and pay to start | You sign the engagement letter and pay the start milestone. We open your platform workspace and controlled data room structure. | One workspace for documents, questions, statuses, and version control. |
| 3) Package to lender standard | We build the lender pack, normalize the model and schedules, and prepare the submission version. You approve the outreach package. | A lender-ready file built for credit committee review. |
| 4) Decisioning through written outcomes | We run matched outreach, track submissions, route Q&A, and standardize term sheets into a comparison matrix. Where offers progress, we coordinate diligence sequencing toward closing. | 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.
Answer these cleanly before you expect real construction term sheets. If you cannot, the submission is not yet lender-ready or the structure must change.
Not always, but leasing risk drives terms. The less leasing certainty, the more lenders focus on sponsor strength, reserves, and a credible stabilization plan.
Many lenders strongly prefer a bankable GMP or cost certainty structure, especially for larger projects. If not, expect tighter controls, more contingency scrutiny, and stronger completion support.
A lender-acceptable draw package typically includes pay applications, lien waivers, inspection reports, updated budget to complete, and clear retainage handling. The key is consistency and enforceable controls.
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.
No. Outcomes depend on credit, documentation quality, collateral, compliance, and lender approvals. Financely runs a professional packaging and lender decisioning process designed to produce written outcomes when the credit supports the ask.
If you want construction financing, submit a lender-ready file. Financely will screen fit, build the pack, route to matched lenders, and run decisioning to written outcomes.
Start with How It Works , review Commercial Real Estate Financing , 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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