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.
Middle market borrowers sit in an awkward gap. They are often too complex for cookie-cutter bank underwriting, but not large enough to command bespoke syndicated solutions on demand. Private credit fills that gap by underwriting cash flows, collateral, and structure with speed, flexibility, and clear documentation.
This guide explains how private credit deals are structured for middle market companies, what lenders usually require, and how to run a lender process that produces executable term sheets rather than polite “maybe” conversations.
| Structure | Typical Use Case |
|---|---|
| Senior Secured Term Loan | Cash-flow lending with first-lien security, often paired with a revolving line for liquidity. |
| Unitranche | Single blended facility replacing layered senior + junior tranches, common in sponsor-backed deals. |
| Asset-Based Lending (ABL) | Borrowing base revolving facility secured by receivables and inventory with collateral controls. |
| Second Lien / Junior Secured | Incremental leverage behind a senior facility, often used for add-ons or bridge needs. |
| Mezzanine / Preferred Equity-Linked | Higher-cost capital where leverage is constrained or equity gap must be bridged. |
Lenders stress EBITDA quality, working capital volatility, capex needs, and free cash flow conversion. They will test downside cases, not just base cases.
Even in cash-flow deals, lenders want enforceable security and remedies. In ABL structures, control mechanics are central.
Private credit is rarely “hard” because the lender is irrational. It is hard because most borrowers present the file in a way that is not underwriteable. The difference between a fast term sheet and a slow rejection is usually packaging discipline.
| Step | What You Should Produce |
|---|---|
| 1) Define the use of proceeds | Sources and uses schedule, timing of draws, and what success looks like operationally. |
| 2) Choose the structure | Senior secured vs unitranche vs ABL vs layered solutions, aligned to cash flow and collateral reality. |
| 3) Build lender-grade financials | Historical financials, normalization bridge, working capital analysis, and a covenant view under downside cases. |
| 4) Map collateral and controls | Security package, lien priorities, cash controls, reporting cadence, and monitoring triggers. |
| 5) Run a targeted process | Approach lenders whose risk policy fits the profile, then compare term sheets on a comparable basis. |
It can be, if the file is packaged properly and the structure fits the lender’s mandate. If the borrower is unprepared or the ask is unrealistic, the timeline will still expand.
Many do. Even in cash-flow deals, lenders often require security interests and enforceable remedies. ABL structures rely heavily on collateral controls and reporting.
Yes. Sponsor-backed and non-sponsor acquisitions are common use cases, subject to leverage tolerance, quality of earnings, and integration risk assessment.
No. Financing is subject to lender underwriting, credit approvals, diligence, and definitive documentation. Our role is to structure the opportunity and run a controlled process with relevant counterparties.
If you are a middle market borrower seeking private credit, submit your requested amount, use of proceeds, financials, and timeline. We will revert with a recommended structure and the fastest path to lender indications.
Request A QuoteDisclaimer: This page is for general information only. It does not constitute legal, tax, regulatory, investment, or credit advice and it is not an offer or solicitation. Financely is not a bank, lender, broker-dealer, or investment adviser. Any financing is subject to due diligence, credit approval, KYC and AML review, sanctions screening, and execution of definitive agreements by regulated counterparties.
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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