You negotiated hard. You signed the LOI. The seller is engaged. Your debt provider lined up eighty percent of the purchase price. Everything looks ready until it does not. A capital shortfall emerges right when you need certainty. The lender capped leverage or the equity partner pulled back. Suddenly, you are missing critical dollars needed to close. Welcome to the gap funding problem.
Gap funding refers to short-term capital that fills the space between committed senior debt and the total funds needed to close. It is used to cover final purchase price adjustments, working capital needs, or sponsor-level equity contributions that cannot wait for other financing layers to finalize.
Without it, deals fall apart at the eleventh hour. Sellers get spooked, brokers move on, and your time and legal fees evaporate into nothing. Gap funding solves this by bringing rapid liquidity into committed deals that simply need to cross the finish line.
Traditional lenders love safe capital stacks. They do not like surprises, soft collateral, or last-minute funding gaps. Private equity firms focus on control and major capital allocations, not incremental shortfalls. Friends and family are usually tapped out or hesitant to jump into deals this late in the process.
This leaves buyers with real deals in a tough spot. They need capital quickly but find few institutional options willing to engage on flexible terms with rapid execution timelines.
Professional buyers and M&A operators solve gap funding through private credit structures tailored to fast-moving transactions. Financely works with capital groups who provide options such as unsecured short-term notes, secured second position loans behind senior debt, preferred equity with priority repayment, and investor bridge loans with fixed repayment terms.
Each structure serves one goal. Ensure that if the rest of the capital stack and the deal are sound, money does not stop you from closing. These are not cheap facilities. They exist to keep deals alive when timing and reliability matter most.
Before any private investor will step up, your deal needs to show three things. First, clear documentation proving you have secured senior debt or majority equity. Second, signed agreements showing the seller, key stakeholders, and transaction terms are finalized. Third, a concise exit plan outlining how the gap funding will be repaid at or after closing. No one funds vague opportunities. They fund transactions that simply require help bridging timing or shortfalls.
If your deal is signed and missing a small but critical piece, Financely can help structure and distribute your file to private capital groups ready to move quickly.
Submit a Deal Book a CallMost gap funding can be secured within five to ten business days after submission and approval of a clean file. Fees typically range from four to eight percent flat or involve profit participation when structured as preferred equity or bridge notes. Pricing reflects the risk and speed required to rescue or complete a live transaction.
We specialize in capital solutions for sponsors who have already secured deals and simply need the final layer. We do not chase broad
Submit your deal using our secure intake form, and receive a quote within 1-3 business days. Existing clients can connect with their relationship manager through our secure web portal.
All submissions are
promptly reviewed, and all communications are conducted through the intake form or the client portal for a seamless and secure process.
Thank you for considering working with us. A nominal fee of US$500 is required upon completion of each form. This fee covers the time and effort we invest in reviewing your submission and crafting a thorough proposal. We receive numerous inquiries and prioritize those that carry this fee, ensuring serious applicants receive prompt attention.
Tap into solutions like letters of credit, bank guarantees, and payment facilitation. We address the challenge of global transaction risk through structured strategies that foster cross-border growth. Complete the form to unlock streamlined funding aligned with your commercial objectives.
Submit a RequestAccess non-recourse funding for infrastructure, renewable energy, or other capital-intensive ventures. We mitigate capital constraints by isolating project assets and focusing on risk management. Provide your details to receive a structure that drives growth and maximizes returns.
Submit a RequestSecure financing for business or real estate acquisitions. We ease transaction hurdles by reviewing cash flow, synergy opportunities, and exit plans. Complete the form for a customized proposal that supports your strategic investment objectives.
Submit a RequestFinancely assists banks facing Basel III pressures by distributing trade finance deals and providing collateral for letters of credit. We reduce capital burdens while preserving client relationships and fostering service expansion. Submit your request to optimize your trade finance offerings.
Submit a RequestOnce we receive your submission, our team will review your information to determine feasibility. If eligible, you will receive a proposal or term sheet within 1–3 business days. Visit our FAQ and Procedure pages for more information.
Disclaimer: Financely provides financing based on due diligence and feasibility. Approval is not guaranteed, and past performance does not predict future outcomes. All terms are subject to review. Financely primarily assists with structuring and distribution. Qualified parties carry out the project if the client approves the proposal.
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.
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, engagement 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. When a mandate involves the purchase or sale of securities and a registered intermediary is required, all orders are introduced to and executed by a U.S. broker-dealer registered with the SEC and FINRA, acting as “chaperone” under SEC Rule 15a-6 (17 C.F.R. § 240.15a-6). Nothing here constitutes an offer, solicitation, or recommendation to buy or sell any security. Before proceeding, read our Terms of Service to confirm that engaging Financely Group LLC, Ashford Capital Advisory LLC, or any affiliate aligns with your legal and regulatory requirements.In the United States, we operate as an
exempt foreign private adviser pursuant to the Dodd-Frank Act, subject to applicable exemptions from certain regulatory requirements. Our services and regulatory status may vary based on the location and nature of the transaction. Click
here to download our brochure.
