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.
Business Acquisition Finance
SBA 7(a) acquisition financing is a rules-based underwriting process tied to eligibility, cash flow, equity at risk, and closing discipline.
Financely runs a term-sheet-first process for SBA 7(a) business acquisitions. Fees are disclosed upfront. No free consultations.
Apply here: Apply Here.
SBA 7(a) loans are commonly used to finance the purchase of operating companies, including goodwill, tangible assets, and working capital at close, subject to SBA eligibility and lender credit policy. The lender will still underwrite debt service coverage, quality of earnings, borrower capability, and the stability of the target’s revenue and margins.
How we operate: You apply. We issue indicative terms with all fees disclosed. You sign the term sheet, upload your data room, and we start execution to closing and funding.
Minimum transaction size: USD 1,500,000.
RFQ, Term Sheet, Closing, Funding. This is a transaction-led process designed to produce written outcomes.
You apply with your LOI, target financials, sources and uses, equity plan, and timeline. We screen eligibility, financeability, equity sufficiency, and lender fit.
We issue indicative SBA 7(a) terms including structure, pricing framework, fee schedule, conditions precedent, and the closing procedure.
After you sign the term sheet and pay the upfront fees, you upload the complete data room. We package the lender-ready file, manage underwriting and diligence Q and A, and drive conditions precedent and documentation to an executable closing.
Funds are released at closing. If lenders decline, you receive written decline reasons and constraints.
We disclose fees before execution begins. We do not start execution work without a signed term sheet, cleared payments, and a complete data room.
USD 9,500 to USD 59,500, payable upon acceptance of indicative terms. Covers structuring, eligibility screening support, lender-ready packaging, underwriting coordination, submission management, and managed decisioning.
Legal documentation is priced separately and paid to counsel. Typical range is USD 10,000 to USD 50,000 depending on lender, complexity, and speed. Lender legal and borrower counsel costs may both apply.
2.5% to 4% of the funded loan amount, payable at closing. The rate depends on loan size, borrower profile, timeline pressure, and documentation complexity.
Borrowers should budget for quality of earnings, lien searches, background checks, SBA-related processing, and filing costs payable to third parties as required.
The indicative terms below are provided for transparency. Final terms depend on eligibility, lender underwriting, diligence, and definitive documentation.
| Term | Indicative Position |
|---|---|
| Facility Type | SBA 7(a) acquisition loan |
| Loan Size | USD 1,500,000 and above |
| Use of Proceeds | Business acquisition, goodwill, tangible assets, working capital at close, approved transaction costs |
| Tenor | Commonly up to 10 years for acquisition structures, lender dependent |
| Pricing | Base rate plus margin, subject to SBA and lender parameters |
| Equity Requirement | Deal dependent, commonly 10% to 30% depending on risk and structure |
| Security | Business assets and guarantees as required under lender and SBA rules |
| Reserves | Working capital and contingency reserves where required by the lender |
| Upfront Due Diligence and Underwriting Fees | USD 9,500 to USD 59,500, payable on acceptance of the term sheet |
| Legal Documentation Fees | Paid separately to counsel. Typical range USD 10,000 to USD 50,000, deal dependent |
| Fee on Funded Loans at Closing | 2.5% to 4% of the funded loan amount, payable at closing |
| Conditions Precedent | Eligibility, underwriting, diligence, KYC and AML, sanctions screening, and definitive documents |
| Outcome Standard | Executable lender terms or written decline with reasons |
SBA closings are checklist-driven. Delays usually come from missing documents, weak reconciliation between the LOI and financials, or slow responses during underwriting. We run a controlled closing workflow to keep the credit team moving.
You sign the term sheet, pay the upfront fees, and upload the complete acquisition file. We set one definitive version for each document and run a tracked conditions checklist.
We coordinate lender diligence, route questions, and maintain version control on the memo, model, and legal terms so the underwriting process stays coherent.
Counsel documents the facility and security package. We manage the closing checklist, entity documentation, insurance, lien payoffs, and borrower deliverables required for funding.
At closing, the lender funds subject to satisfied conditions. Post-close reporting and covenant compliance are enforced to keep the facility in good standing.
No. If you want indicative terms and a closing procedure, apply. We issue a term sheet first. Execution begins after signature, cleared fees, and a complete data room.
No. Lender decisions are independent and subject to eligibility, diligence, compliance screening, and definitive documents. Financely does not promise approvals or funding.
A financeable LOI, clean historical financials, documented equity, realistic add-backs, and fast responsiveness during diligence. If the file is inconsistent, lenders slow down or decline.
For serious lender decisioning, an LOI with clear terms is typically a minimum. For closing and funding, definitive purchase documentation is normally required.
Apply for SBA 7(a) acquisition financing. If it fits, we will issue an indicative term sheet with the full fee schedule, pricing framework, and a closing procedure. Once you sign the term sheet and pay the upfront due diligence and underwriting fees, you will upload the complete data room and we will start execution toward closing and funding.
SBA lending rewards preparation. Clear eligibility, coherent documents, documented equity, and disciplined closing workflows are what get funded.
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.
Email supportdesk@financely-group.com for general enquiries, press & partnership requests.
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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supportdesk@financely-group.com for general enquiries.
