The Small Business Administration (SBA) offers several loan programs tailored to the needs of small businesses. These include 7(a) loans for general business purposes, 504 loans for fixed asset investments, disaster loans for recovery, and microloans for startups. At Financely, we focus exclusively on 7(a) and 504 loans—the two most versatile and impactful options for established businesses seeking funding for growth, operations, or capital investments.
Versatile Financing for Operational and Growth Needs
SBA 7(a) loans are the cornerstone of SBA lending, designed to provide businesses with flexible funding for a range of purposes. These loans are ideal for:
Loan amounts go up to $5 million, with repayment terms extending to 10 years for general uses and 25 years for real estate acquisitions. The SBA guarantee allows lenders to offer favorable terms, even to businesses with less-than-perfect credit histories.
Financely’s advisors manage the entire process, from preparing your application to negotiating with SBA-approved lenders, ensuring that you secure the capital you need efficiently.
Long-Term Financing for Fixed Asset Investments
SBA 504 loans are designed to fund large-scale, fixed asset purchases that drive business growth. These loans are particularly suited for:
Unlike 7(a) loans, the 504 program involves two lenders: a Certified Development Company (CDC) and a private lender. The CDC typically provides up to $5.5 million, with the private lender funding 50% or more of the project cost. The borrower contributes only 10%, significantly reducing upfront capital requirements.
These loans feature fixed interest rates and repayment terms of up to 25 years, making them ideal for businesses focused on long-term investments. Our advisors handle everything, from structuring your financing to coordinating with lenders, so you can focus on executing your projects.
Whether you’re seeking the flexibility of a 7(a) loan or the asset-driven benefits of a 504 loan, Financely’s advisors ensure a seamless process from application to funding.
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, engagement 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. When a mandate involves the purchase or sale of securities and a registered intermediary is required, all orders are introduced to and executed by a U.S. broker-dealer registered with the SEC and FINRA, acting as “chaperone” under SEC Rule 15a-6 (17 C.F.R. § 240.15a-6). Nothing here constitutes an offer, solicitation, or recommendation to buy or sell any security. Before proceeding, read our Terms of Service to confirm that engaging Financely Group LLC, Ashford Capital Advisory LLC, or any affiliate aligns with your legal and regulatory requirements.In the United States, we operate as an
exempt foreign private adviser pursuant to the Dodd-Frank Act, subject to applicable exemptions from certain regulatory requirements. Our services and regulatory status may vary based on the location and nature of the transaction. Click
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