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.
Private Credit Arrangement
This page is the borrower-retained arrangement process for asset-backed private debt. For a broader overview of private credit solutions, see that page. The two URLs stay separate; neither redirects to the other. Cross-link both ways when you publish.
Private credit often fits when the ask is asset-backed, complex, cross-border, or needs covenant flexibility banks will not give. The trade-off is cost. Typical triggers: a bank decline, a structure banks treat as special situations, or a need for speed and reporting terms a bank line will not accept. Borrowers with receivables, inventory, equipment, real-estate-backed operating companies, project assets or sponsor-backed acquisitions are the core audience.
Private credit is not a shortcut around a missing credit story. Funds still underwrite collateral, cash flow and management. The difference is appetite and structuring flexibility when banks step back.
Facilities against receivables, inventory and other current assets. Packaging: asset-based lending credit packaging.
Debt packaging for equity-committed independent sponsors. Detail: acquisition finance for independent sponsors.
Industrial and equipment term debt where hard assets support the ask. Detail: equipment capex debt arrangement.
Including government and agency receivables where eligible. Detail: receivables finance for government and UN contracts.
Trade and commodity facilities from non-bank funds are packaged on commodity trade finance credit file. Memo craft across structures sits on lender-ready credit memo. This page is the umbrella process; those pages are the structure-specific packs.
Financely starts with a written Go/No-Go on assets, cash flow and the debt ask. If the case is fundable, the credit file is built: memo, model, collateral and security package, risk matrix, data room and KYC. Fund-fit mapping matches mandate to asset, ticket and geography. Controlled outreach uses one Q&A log so every fund sees the same answers. Term sheets are compared on like-for-like terms, then negotiation support continues toward signed terms. Funds decide and lend.
For trade-flow mandates that need a multi-provider process across banks and funds, see also trade finance competitive lender process.
Files that skip collateral control, or that present an equity-style story as debt, fail Go/No-Go. Funds price risk they can measure. Packaging has to make that measurement possible.
Asset-backed private credit still needs a borrower story: why the capital is needed, how it is repaid, and what happens if the primary collateral softens. The memo should state that plainly. Funds decline files that read like equity raises with a debt label attached.
Cross-border borrowers should expect enhanced KYC, sanctions screening and jurisdiction analysis as part of the same pack. Fit mapping then excludes funds whose mandates stop at a given geography or asset class, which saves time and protects the borrower's reputation with the remaining shortlist.
Normalise every sheet on the same columns. Live numbers stay in your process.
| Dimension | What to align |
|---|---|
| Pricing elements | Margin and other cost components as stated by the fund |
| Fees | Commitment, unused and other fee items as written |
| Tenor | Facility term and amortisation profile |
| Amortisation | Bullet, sculpted or amortising path |
| Covenants | Financial and affirmative / negative covenants |
| Security | Liens, guarantees, control agreements |
| Prepayment | Call protection and prepayment mechanics |
Pre-revenue businesses with no assets, equity-type asks, and "no upfront fee" funding searches fail Go/No-Go. See why advisory fees are paid upfront.
Fund lists remain research resources: top private credit funds and platforms to raise private credit. They help borrowers understand the market. They are not a substitute for a competitive process on one file. When you publish this page, add an inbound link from those listicles and from private credit back to this arrangement URL.
Financely is borrower-retained for a fixed written fee after Go/No-Go and a signed scope. Financely is not paid by funds. Any success fee is written before you commit. No fee amounts or ticket sizes appear on this page. Borrower-retained fees keep the process fund-agnostic.
Loans from non-bank investors such as private credit funds, usually privately negotiated.
No. Financely is a borrower-retained arranger. Funds decide and lend.
Match fund mandate to asset, ticket and geography, then run a competitive process on one file.
Usually, in exchange for flexibility or appetite banks lack. Pricing is set in live term sheets, not on this page.
Financials, asset or collateral data, a business plan or model, ownership and KYC.
The lists are research. This page is how a borrower actually raises the debt.
Send your financials, collateral summary and the debt ask. You get a written Go/No-Go before any fee.
Request a free estimateFinancely is a borrower-retained UK arranger and advisor. It does not lend or operate a private credit fund. Credit decisions stay with funds. Live private credit stays as a separate solutions page.