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 submit your deal for review. We revert within one working day with next steps and either a quote for our services.
Finance your next trade, project or acquisition.
Debt structuring, targeted lender outreach and negotiation support through closing.
Paid advisory. Upfront retainer applies.
AI Lender Match helps business owners, investors, and sponsors identify lenders that fit their deal profile without wasting weeks on cold outreach. Get a smarter starting point for acquisitions, commercial real estate, trade finance, and structured debt transactions.
Acquisition loans for non-US residents buying a US business come from conventional banks, private credit funds and seller financing, not from the SBA. Since March 1, 2026, SBA 7(a) and 504 loans require 100% ownership by US citizens or nationals living in the United States, as American Banker reported.
Lenders that fund foreign buyers underwrite the target's cash flow first, and the buyer's US credit history second. The file has to carry the deal.
Conventional banks. These are regional and community banks lending outside the SBA program. They want a US acquisition entity, a US bank account and meaningful buyer equity.
Private credit. Non-bank lenders are the most open to non-resident sponsors when the target has stable EBITDA and a capable manager in place.
Seller financing. A seller note reduces senior debt and reassures lenders about the transition.
Equity gap capital. Mezzanine or co-investment fills what senior lenders will not. See equity gap funding.
Tick what you already have. The bar shows how close you are to a lender submission.
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Using an E-2 visa? Under State Department guidance, debt secured by the business's own assets generally does not count toward your E-2 investment. Structure equity and debt with immigration counsel before you sign.
Our Lender-Ready Package builds the file lenders need to approve a foreign buyer, for a fixed USD 7,500 delivered in 15 business days. It includes the acquisition credit memo, model review and debt sizing, sources and uses, a KYC file adapted to non-resident owners, the data room, a terms benchmark and a live map of lenders currently funding foreign buyers.
It suits overseas individuals, family offices and foreign companies buying US businesses with stable cash flow. For full arrangement, see our buy-a-business financing advisory.
Share the target, the price and your residency status. We will confirm the right route and send a fixed quote.
Yes, from conventional banks and private credit lenders outside the SBA program, provided the target has stable cash flow and the buyer contributes meaningful equity.
Not always. Lenders lean on the target's financials, your documented source of funds and home-country credit references when a US score is missing.
Usually yes. Some private credit lenders accept limited guarantees when cash flow is strong and the equity contribution is larger.
This page is general information only and is not legal, tax, immigration or investment advice. Financely is an advisory and arranging firm, not a lender or broker-dealer, and is not affiliated with the SBA. Any financing is subject to lender underwriting, due diligence, credit approval, documentation and conditions precedent, and no outcome or timeline is guaranteed. Certain acquisitions by foreign persons may require regulatory review.
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.