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.
Structured Debt, Collateral, And Security Controls
In secured lending, “collateral” only matters when the lender can enforce it against everyone else. That is what perfection and priority do. Warehouse facilities, equipment finance, and commodity trade finance each use different collateral types, so perfection uses different tools: filing where filing matters, control where control matters, and possession where possession determines priority.
This guide is written from a US secured transactions perspective because UCC Article 9 drives most perfection mechanics for non-real-estate collateral, and because many cross-border facilities still anchor to US security logic when cash flows or counterparties touch the US financial system.
If you are structuring a facility, start with How It Works and submit a mandate through Submit Your Deal.
A lender typically needs three things: attachment, perfection, and priority. Attachment is the security agreement that creates the lien between lender and borrower. Perfection is the public notice or control step that makes the lien effective against third parties. Priority is the ranking against other creditors, including competing secured parties and bankruptcy trustees.
Key point: a signed security agreement alone is not enough. In many facilities, priority is won by control or possession, not by who wrote the longest agreement.
Most perfection playbooks in these transaction types use a combination of:
| Collateral | Typical Perfection Method | Why This Matters In Practice |
|---|---|---|
| Accounts receivable and payment rights | UCC-1 filing, plus lockbox and cash dominion controls | Receivables become predictable only when collections are controlled |
| Inventory and goods | UCC-1 filing; add collateral management where needed | Inventory is a leakage asset without custody and reporting |
| Equipment | UCC-1 filing; add title steps where applicable | Repossession value depends on legal enforceability and location access |
| Deposit accounts | Deposit Account Control Agreement (DACA) | Control frequently determines priority over cash |
| Securities accounts and investment property | Control agreement or possession depending on form | Priority and liquidation speed are driven by control |
| Documents of title (warehouse receipts, bills of lading) | Possession and controlled release frameworks | Documents often control title and release of goods |
| Letter of credit proceeds | Assignment and structured proceeds routing to controlled accounts | Prevents proceeds diversion and supports enforcement |
A warehouse facility finances a pool of financial assets and the cash flows they generate. The lender wants a first-priority claim over the pool and the cash waterfall. The collateral package often includes receivables, chattel paper, instruments, servicing rights, reserve accounts, and equity interests in the SPV.
Reality: warehouse lenders care less about perfect legal language and more about leakage prevention. If collections do not land in a controlled account under a tight waterfall, the rest of the collateral package is weaker than it looks.
In equipment finance, perfection often starts with a UCC-1 filing. The lender then adds asset-specific steps depending on what the equipment is, where it sits, and whether it is titled or becomes part of real property. Lenders also underwrite repossession feasibility, insurance, and access rights.
Commodity trade finance is where perfection becomes operational. Lenders are not only perfecting a lien, they are controlling release of goods and release of cash. The collateral stack typically includes inventory in transit and storage, documents of title, receivables from approved buyers, and controlled proceeds accounts.
Filing a UCC-1 is necessary for many collateral classes, but priority for cash in deposit accounts usually requires control through a DACA. The same control concept shows up with securities accounts and other investment property. These are the assets that move instantly and vanish first in distress.
What borrowers should expect: lenders often allow operating accounts outside control for daily expenses, but require controlled collection accounts for collateral proceeds. That split is intentional.
Closings fail late when lien priority is unclear or prior liens exist. Typical friction points include:
Financely operates as a transaction-led capital advisory desk for structured debt, trade finance, and borrowing base facilities. We package mandates into lender-grade submissions, align security and controls to market expectations, and route the mandate to matched capital providers. Where execution requires licensing, we coordinate execution through appropriately licensed partners under their approvals.
Start with How It Works , then submit your deal through Submit Your Deal.
If you are raising a warehouse facility, equipment line, or commodity trade finance facility, submit your deal with your collateral summary and entity structure. We will revert with feasibility, a checklist, and an execution path sized to your timeline.
Not always. UCC filings cover many assets, but cash and certain financial assets usually require control agreements, and commodity documents of title often require possession and third-party release controls.
Because collections are the highest-leakage point. Controlled accounts and cash waterfalls prevent diversion and create enforceable repayment mechanics.
Through collateral managers or field warehousing, bailee letters, custody rules, inspections, and control of documents that govern release. The goal is to stop unauthorized release or substitution.
Priority conflicts: old liens not released, incorrect debtor information in filings, missing control agreements, and missing third-party acknowledgements.
In secured lending, perfection is a discipline: file correctly, control cash, control documents of title, and clear lien conflicts early. If you treat it as an afterthought, lenders will treat the deal as uncloseable.
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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request a quote
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book a paid telephone consultation.
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Email supportdesk@financely-group.com for general enquiries, press & partnership requests.
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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