Private credit has evolved from a niche product into a mainstream financing tool for corporations, sponsors, and management teams across industries. When traditional banks pull back or take too long to decide, private credit steps in to deliver speed, flexibility, and structures that match real-world business needs. This guide explains how companies raise funds through private credit, what use cases drive demand, how deals are structured, and how Financely supports sponsors through underwriting, structuring, and distribution.
The global private credit market now exceeds $1.7 trillion in assets under management. What makes it attractive is the direct lending model: funds, specialty lenders, and institutional investors provide financing directly to borrowers without syndication delays. Borrowers benefit from faster execution, bespoke covenants, and creative structures that traditional banks avoid.
Private credit is not just for distressed situations. It is widely used by healthy companies seeking working capital, acquisition financing, expansion capital, or shareholder liquidity. For sponsors and CFOs, the appeal lies in execution certainty and flexibility, even if pricing is higher than bank debt.
Businesses raise private credit for a range of purposes. Below are the most common categories:
| Use Case | Typical Objectives | Facility Range |
|---|---|---|
| Working Capital | Supplier payments, payroll, seasonal cycles, liquidity buffers | $25M–$250M |
| Acquisitions & MBOs | Sponsor-backed buyouts, management-led takeovers, bolt-ons | $50M–$500M+ |
| Expansion & CapEx | New facilities, equipment, technology, market rollouts | $30M–$300M |
| Dividend Recapitalizations | Liquidity for shareholders without selling equity | $25M–$150M |
| Turnarounds & Special Situations | Rescue financings, distressed refinancings, bridging urgent liabilities | $20M–$200M |
| Contract-Backed Financing | Funding secured against offtake, supply, or service contracts | $25M–$400M |
| Sector-Specific | Technology, healthcare, services, and non-asset-heavy industries | $25M–$500M |
Private credit is not one product but a spectrum of structures. Depending on the use case, facilities can be structured as senior secured loans, unitranche facilities, mezzanine debt, or structured receivables programs. Pricing reflects risk: stable cash flows and asset coverage attract lower margins, while higher-risk turnarounds may command double-digit yields.
Key variables include tenor (usually 3–7 years), amortization (interest-only or cash-pay), covenants (financial, operational, reporting), and collateral (assets, contracts, or equity pledges). Sponsors and CFOs must balance speed and flexibility against higher costs compared to traditional bank debt.
While pricing is higher than bank loans, the strategic value of execution certainty often outweighs cost. Missing an acquisition or expansion due to lack of financing can be more expensive than paying a few hundred basis points more.
Financely is not a direct lender. We act as arranger and advisor, bridging the gap between sponsors and specialty lenders. Our services cover credit analysis, financial modeling, structuring, preparation of data rooms, negotiation of covenants, and distribution to funds and family offices. Because we manage both underwriting and placement, sponsors deal with one point of contact rather than a fragmented process.
Financely arranges $25M–$500M+ facilities for working capital, acquisitions, expansions, dividend recaps, and special situations. Engagement fees start at $25,000 and scale to $150,000+ depending on scope.
Request a QuoteFacilities typically range from $25M to over $500M. The amount depends on cash flows, collateral, contracts, and sponsor strength.
Expect 4–8 weeks for underwriting and closing, depending on complexity and data room readiness.
Margins range from SOFR + 400bps for lower-risk loans to double-digit yields for special situations. Financely engagement fees start at $25,000.
Post-revenue companies with credible cash flows, strong contracts, or asset backing. Preferred EBITDA > $10M.
Financely is an advisory and placement firm. We are not a direct lender. All financings are subject to due diligence, credit approval, and executed documentation. Engagement fees for private credit mandates start at $25,000 and can exceed $150,000 depending on complexity. Placement fees are payable on successful closing.
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, 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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