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.
Business Acquisition And Industrial Asset Finance
Factory acquisition financing is not just a business purchase loan. In most cases, you are financing a combined risk package that includes operating cash flow, industrial real estate, machinery and equipment, environmental exposure, working capital needs, and transition execution risk.
That is why many buyers get stuck. They negotiate purchase price first, then discover the lender is underwriting a completely different question: not whether the factory looks impressive, but whether the business can service debt reliably after ownership changes, maintenance catch-up, and normal working-capital swings.
A factory deal usually sits at the intersection of business acquisition financing and Commercial Real Estate financing. You may be buying shares, assets, or an SPV. You may also be taking over land, plant buildings, production lines, permits, utility contracts, and workforce commitments. Each layer changes the financing structure.
Revenue stability, margins, customer concentration, supplier dependency, and working-capital cycles drive repayment capacity.
Title, zoning, environmental history, building condition, and property liquidity affect collateral value and lender comfort.
Age, condition, maintenance logs, replacement cost, resale value, and line compatibility matter more than seller claims.
Management handover, key staff retention, customer assignment, and permit continuity often decide whether closing value survives post-close.
There is no single template. Most successful deals use a capital stack rather than one lender. The right structure depends on the buyer profile, transaction size, jurisdiction, asset mix, and whether the factory is being acquired as a going concern or as a distressed asset.
Buyers often focus on total enterprise value. Lenders split the file into underwriting buckets and test each one separately. A lender may like the land and still reject the operating business. Another may like cash flow and haircut machinery hard. Your financing memo should address each bucket directly.
| Underwriting Bucket | What Lenders Test | Why Deals Get Cut Back | What Improves Approval Odds |
|---|---|---|---|
| Cash Flow | Normalized EBITDA, margin stability, seasonality, customer churn, working-capital needs | Adjusted EBITDA is too aggressive, earnings are concentrated, or margins are volatile | Credible QoE work, customer contract visibility, conservative projections, downside case model |
| Industrial Property | Title, zoning, condition, appraisal, marketability, replacement cost context | Special-use property is hard to re-let or value is overstated | Clean title package, realistic appraisal expectations, clear alternative use story |
| Machinery And Equipment | Age, maintenance, utilization, obsolescence risk, collateral liquidity | Equipment is old, highly customized, or unsupported by records | Serial-number schedule, maintenance logs, independent valuation, capex plan |
| Environmental | Site history, contamination risk, storage practices, permits, remedial exposure | Phase I issues, recognized environmental conditions, unclear liability | Early environmental diligence, remediation plan, counsel review, pricing adjustment |
| Buyer / Sponsor | Experience, liquidity, guarantor strength, industry competence, execution plan | Thin liquidity and no operational bench for handover period | Experienced operator partner, transition agreements, post-close working capital cushion |
This is where serious buyers separate from time-wasters. A factory acquisition file needs more than a teaser and a seller email. If you want real term sheets, prepare a lender-ready package.
Headline rate is not enough. Industrial acquisitions often fail because of reserve mechanics, collateral haircuts, and conditions precedent that the buyer notices too late.
| Term Sheet Item | What To Check | Factory-Specific Issue | Red Flag |
|---|---|---|---|
| Loan Size And Basis | Cash flow sizing, collateral sizing, and any appraisal or valuation dependency | Industrial property and machinery values may be haircut more than expected | “Up to” proceeds with broad lender discretion and no sizing formula |
| Use Of Proceeds | Acquisition price, fees, working capital, capex, reserves, and refinancing components | Post-close working capital is often underfunded in manufacturing deals | No specific allocation for working capital ramp or maintenance catch-up |
| Collateral Package | Property lien, equipment lien, receivables, inventory, shares, guarantees | Cross-collateralization can trap future flexibility | All-assets lien plus broad restrictions with no carve-outs for ordinary operations |
| Reserves | Tax, insurance, capex, maintenance, environmental, debt service reserves | Factory lenders may add maintenance or capex reserves late | Reserve sizing left fully to lender after signing exclusivity |
| Covenants | DSCR, leverage, debt yield, capex limits, reporting frequency, liquidity tests | Seasonality and production cycles can trip rigid monthly tests | No cure rights and tight covenants based on unrealistic ramp assumptions |
| Conditions Precedent | Appraisal, environmental, technical inspections, permits, assignment consents | Permit transfers and environmental findings can delay close materially | Subjective “acceptable to lender” language on all reports |
| Fees And Deposits | Upfront fees, legal fees, third-party costs, refund conditions | Industrial diligence can be expensive, so fee discipline matters | Large non-refundable deposits before scope and milestones are fixed |
| Prepayment And Exit | Lockout, make-whole, step-down fees, refinance penalties | Factory turnaround plans often need recapitalization flexibility | Punitive prepayment economics that block operational refinancing |
For eligible lower middle market buyers in the United States, common starting points include bank loans, non-bank acquisition lenders, equipment finance providers, and SBA-backed lending channels. In some cases, SBA-guaranteed programs may be relevant depending on transaction structure, borrower eligibility, and the mix of business acquisition versus fixed assets.
Buyers should still verify fit early. A program that works for a business acquisition in general may not fit a factory deal if environmental, property, or machinery issues are unresolved.
We help buyers structure factory acquisition financing files so lenders and capital partners can underwrite them properly. That includes sources and uses, capital stack design, lender routing, term sheet comparison, and cleanup of weak assumptions in the financing narrative.
We do not guarantee financing. We work on a transaction-led, best-efforts basis with real documents, real counterparties, and underwriting discipline.
If you are buying a factory, plant, or industrial operating company and need a serious debt or capital stack strategy, submit the live file. We can review the transaction structure, identify underwriting gaps, map likely lender concerns, and prepare a cleaner package for lender and capital partner routing.
A strong submission usually includes the LOI or draft purchase terms, seller financials, asset list, property information, intended structure, sponsor profile, and target closing timeline.
Submit Your DealSometimes, but many deals need a capital stack because lenders underwrite cash flow, property, and machinery differently. A single facility often leaves a gap.
Usually no. Financeable value can be far below replacement cost, especially for specialized or older equipment with limited resale markets.
Industrial sites can carry contamination or compliance exposure that affects lender appetite, structure, pricing, reserves, and even close viability.
Not always. Many lenders still require strong operating cash flow and liquidity support, especially when the property is specialized or hard to re-let.
Yes, if the post-close business needs inventory, payroll, or restart funding. Underfunded working capital is one of the most common reasons factory acquisitions struggle.
Yes. A seller note can reduce immediate cash needs and improve overall stack flexibility, but intercreditor and subordination terms must be handled properly.
They lead with purchase price and asset value, then fail to present a clear repayment case with downside assumptions, capex needs, and transition plan.
Before finalizing price and legal structure, ideally at LOI stage, so financing constraints can shape terms, diligence scope, and closing timetable.
Informational only for commercial audiences. This page is not legal, tax, environmental, or investment advice. Financing outcomes depend on underwriting, collateral quality, jurisdiction, compliance, and third-party approvals. Financely works on a best-efforts basis and does not guarantee funding.
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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