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.
Private Credit
Can a pre-revenue company raise debt. Yes, sometimes. Not as unsecured cash flow lending, and not on vibes. It works only when the risk is boxed in by collateral, contracts, sponsor support, or a credible takeout.
Financely can arrange private debt for select pre-revenue situations when the file is underwritable and executable through regulated channels. If you want a straight view of how we run mandates, start with How It Works and submit via Request A Quote.
Most lenders do not lend against future hopes. When people say “pre-revenue debt,” they usually mean one of these: venture debt alongside committed equity, equipment and asset-backed facilities, contract-backed financing (for signed offtakes or awarded contracts), project and construction facilities with completion support, or bridge structures where a defined takeout is realistic.
Pre-revenue underwriting is risk engineering. Lenders look for what survives if the forecast is wrong. These are the main decision drivers.
| Underwriting Lens | What lenders test | What you must show |
|---|---|---|
| Capital structure and sponsor support | Who is behind the company, how much equity is committed, and whether insiders will support the downside | Cap table, recent financings, committed equity evidence, governance and board visibility |
| Repayment path | Where the money comes from if revenues are delayed | Defined takeout plan, runway math, budget control, contingency plan |
| Collateral and security | What can be pledged, perfected, and valued without fantasy | Asset schedules, appraisals, lien position plan, control accounts where relevant |
| Contracts and cash flow visibility | Whether there are enforceable contracted payments, milestones, or offtakes | Executed contracts, counterparties, payment terms, assignment rights, step-in rights |
| Execution risk | Team quality, delivery track record, operational readiness | Management bios, delivery milestones, vendors, implementation plan, KPIs |
| Regulatory and permits | Whether the project can legally operate and on what timeline | Permit status, compliance mapping, third-party opinions where applicable |
| Use of proceeds and burn control | Whether capital goes into bankable assets versus open-ended overhead | Line-item budget, procurement plan, monthly cash flow model, reporting cadence |
| Covenants and monitoring | What controls exist to prevent drift and protect lender position | Reporting pack, covenant set, information rights, reserve mechanics if needed |
Reality: pre-revenue debt is not priced like senior secured lending to a profitable business. It is priced for risk, structured for control, and documented tightly.
Terms vary by structure, jurisdiction, and risk profile, but the direction is consistent. Pre-revenue debt is usually more expensive and more controlled than post-revenue lending. You should be ready for lender fees, covenants, security packages, and reporting.
We do not try to force a file into a lender box that does not exist. We structure around what can be underwritten, then run a targeted process to lenders and credit funds that match the risk. Where regulated execution is required, delivery is coordinated through appropriately licensed firms under their own approvals.
Pre-revenue deals close when the file is clean and the risk story is tight. If key documents are missing, the timeline stretches. This is the standard path.
| Phase | What happens | Typical timing |
|---|---|---|
| Fit screen and checklist | Confirm structure options, required documents, and feasibility of debt versus equity alternatives | 48 to 72 hours after intake |
| Underwriting and packaging | Build the lender package, stress test assumptions, align security and repayment logic | 5 to 12 business days |
| Lender outreach | Targeted outreach, initial feedback, and term indications | 1 to 3 weeks |
| Term sheet and diligence | Negotiate terms, diligence, legal documentation scope, and conditions precedent | 2 to 6 weeks |
| Documentation and funding | Execute documents, perfect security, satisfy CPs, draw funding per the agreed schedule | 1 to 3 weeks |
Sometimes, but only in narrow cases where sponsor support and a credible takeout exist. If the only repayment plan is “we will grow fast,” you are looking at equity, not debt.
It is a form of private debt aimed at high-growth companies, often sized off committed equity and runway rather than current cash flow. Terms and economics can differ materially from traditional senior secured lending.
A believable repayment path that survives delays. That can be committed equity support, contracted payments, or collateral that can be realized without drama.
Sometimes. It depends on structure, jurisdiction, asset profile, and sponsor strength. Many lenders prefer corporate security and controls, but they will ask for extra support when the downside is otherwise uncontained.
No. We run a structured process to produce real term sheets and a path to closing. Outcomes depend on underwriting, compliance clearance, lender appetite, and definitive documentation.
If you are pre-revenue and looking for private debt, expect real underwriting. Submit your file with clean corporate documents, ownership clarity, a defensible budget, and your strongest contract and collateral facts. We will tell you what is viable, what is not, and what structure lenders are most likely to support.
Start with How It Works , then submit via Request A Quote or message us via Contact Us. If you need fundamentals on how transactions are underwritten and executed in practice, see trade finance fundamentals.
This page is for general information only and does not constitute legal, tax, investment, or regulatory advice. Financely is not a bank and does not custody client funds. Any engagement is subject to diligence, compliance screening including KYC, AML, and sanctions, lender and counterparty approvals, and definitive documentation. Where regulated execution is required, delivery is coordinated through appropriately licensed firms under their own approvals.
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.
To proceed,
request a quote
and receive indicative commercial terms. If you require guidance before engaging,
book a paid telephone consultation.
Security notice: we are aware of third parties using Financely’s name without authorization. Only emails sent from our official domains and communications through our portal are valid. Please verify any outreach before sharing documents or sending payments, and read our impersonation warning.
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.
Click
here to download our brochure.
