How To Raise $10‑100 Million in Private Credit—Without Broker Merry‑Go‑Rounds or Empty Promises

Stop chasing ghost lenders. Plug into a direct pipeline of institutional money, armed with deal files that hold up under torch‑light due diligence.

1. The Pain Most Borrowers Feel

You need at least ten million dollars—fast—and every “introducer” you meet claims they have a sure‑fire lender. Two months later you’re lighter on retainers, heavier on NDAs, and still explaining your story from scratch. Meanwhile, suppliers press, payroll looms, and market spreads drift north. Enough.

2. The Financely Difference—Built for Borrowers Who Hate Time‑Wasters

• Direct Capital Access – We present your deal to private credit funds, insurance balance‑sheet lenders, and family offices we speak to every week. No mandate flipping, no LinkedIn cold‑pitches.
• Full Deal Advisory – Models reconciled to audits, covenant levers mapped, data room scrubbed. Lenders open real credit files, not curiosity folders.
• End‑to‑End Execution – We ride shotgun from first teaser to signed facility agreement, keeping lawyers, valuers, and rating agencies in line.
• Post‑Close Monitoring – Quarterly covenant check‑ins and amendment prep keep relationships sweet and fees down.

3. Eligibility Snapshot—Are We a Fit?

• Ticket Size  – USD 10 m to 100 m (larger custom programmes considered).
• Sectors  – Trade & Supply‑Chain, Commercial Real Estate, Energy, Industrials, Renewables.
• Stage  – Post‑revenue with at least one year of audited financials (project SPVs need credible offtake or lease agreements).
• Jurisdictions  – OECD plus selected emerging markets with enforceable security law.

4. Our Process—Straightforward and Transparent

4.1 Discovery Call (30 minutes)

We cut to the chase—use of proceeds, collateral, timing, and red flags. If it’s not fundable, we say so on the call.

4.2 Engagement & Retainer

Retainer secures calendar time, pays analysts, and signals you’re serious. Ranges from USD 25 k on vanilla deals to USD 100 k on multi‑layer capital stacks.

4.3 Data‑Room Build & Credit File

We reconcile P&L, cash flow, and balance sheet to bank statements; scrub leases and offtake contracts; create a covenant‑ready model; draft teaser and lender deck. Expect two to four weeks depending on data hygiene.

4.4 Lender Shortlist & Soft Sounding

We approach three to seven lenders whose mandates match tenor, sector, geography, and risk tolerance. No shotgun blasts—targeted dialogue only.

4.5 Term‑Sheet Negotiation

We grind economics (margin, upfront fees, OID), structure (senior, mezz, unitranche), covenants (DSCR, asset cover, distribution locks) and security packages.

4.6 Confirmatory Due‑Diligence

Legal, technical and valuation advisers run their rulers. We coordinate Q&A, site visits, and third‑party reports to protect timelines.

4.7 Closing & Funding

Facility agreement signed, CPs ticked, funds land. Typical cycle: 55‑90 days from engagement for clean files; add time for construction risk or multi‑jurisdiction collateral.

5. What Lenders Demand—and How We Deliver It

• Audited Financials that tie to tax filings and bank statements.
• Robust Forecast Model with clearly surfaced assumptions and driver toggles.
• Security & Priority Map showing first‑ranking liens, waterfall logic, and enforcement steps.
• Clear ESG / Compliance Position for funds bound by sustainable‑investing mandates.
• Governance Playbook —board minutes, related‑party policy, and delegated authority grid.

6. Fee Schedule—No Hidden Extras

Fee	Amount	What It Covers
Advisory Retainer	USD 25 k – 100 k	Financial scrub, model rebuild, data‑room setup, lender deck
Success Fee	1 % – 2 % of funded amount	Payable on drawdown; tiered for larger tickets
Out‑of‑Pocket	At cost	Legal, valuation, technical, rating opinions as required

7. What We Will Not Touch

• Shell companies with no operating history.
• Crypto‑backed collateral.
• Transactions in sanctioned jurisdictions or involving restricted parties.
• “Guaranteed loans,” façade capital, or upfront “insurance bonds” posing as funding.

8. Success Metrics—Our Track Record

• 84 % average term‑sheet conversion rate once data room is live.
• 46 bps median margin saving versus initial lender indications after negotiation.
• 67 days median signing timeline for plain‑vanilla senior debt.
• USD 2.4 bn arranged across trade, CRE, and energy since 2018.

9. Case Snapshot—$40 m Unitranche for a U.S. Solar EPC

Facing ballooning orderbook and delayed milestone payments, the sponsor needed working‑capital headroom. Financely revamped the cash‑flow model, spotlighted contracted backlog, and mapped equipment liens. Three private credit funds pitched term sheets; we drilled leverage to 3.25× EBITDA, final margin SOFR + 575 bps, 1 % OID, no cash sweep until DSCR >1.5×. Closed in 74 days—including Thanksgiving week.

10. Ready to Cut the Noise and Fund Your Plan?

Financely Group is an advisory firm. We do not guarantee funding and we do not raise deposits. All mandates require KYC, sanctions screening, and a non‑refundable retainer. Funding is subject to lender due diligence, credit approval, and legal documentation. Misrepresentation or withheld information terminates the mandate and may trigger AML/CTF reporting.