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.
Financely · SBA Loan Advisory · United States
Most SBA loan rejections and delays are caused by the application package, not the business. Missing documents, inconsistent financial statements, the wrong program choice, and approaching lenders with no appetite for the deal type — these are advisory failures, not credit failures. Financely handles the full SBA application process for business owners and acquirers: from program eligibility assessment and document collection through financial modelling, lender identification, and submission management. You run your business. We get the application done.
Financely provides end-to-end SBA loan application assistance. We are not an SBA lender or Certified Development Company — we do not issue SBA loans. What we do is prepare the application that gets in front of lenders in the best possible condition, identify the right lenders to approach, and manage the process from submission to approval. For borrowers who have the business but not the time, expertise, or lender relationships to execute the application themselves, we handle it entirely.
Before any documents are collected, we assess whether the business qualifies for SBA financing, which program is the right fit, and whether any eligibility issues need to be addressed first.
We issue a complete, transaction-specific document checklist and manage the collection process, reviewing every document for completeness, accuracy, and consistency before the application is assembled.
We build or review the financial model and cash flow projections that the lender will use for underwriting, ensuring the numbers are consistent with the tax returns and presented in the format lenders expect.
We identify SBA-approved lenders — and CDCs for 504 transactions — whose stated appetite matches the specific deal type, size, geography, and industry, and approach them with the completed application package.
We submit the complete application package to the selected lender, manage underwriter queries, track conditions and provide additional documentation as required, and keep the process moving to approval.
For SBA 504 transactions involving commercial real estate or major equipment, we coordinate the additional documentation requirements — project cost breakdowns, environmental assessments, appraisals, and CDC collaboration.
Established businesses pursuing SBA 7(a) financing for working capital, equipment purchase, leasehold improvements, or debt refinancing. Owners who have the business performance to qualify but lack the time or knowledge to navigate the application process alone.
Buyers using SBA 7(a) loans to finance the purchase of an existing business, including management buyouts and search fund acquisitions. SBA acquisition lending has specific documentation requirements around the Quality of Earnings, seller financing, and goodwill that we understand in detail.
Owner-occupiers acquiring or improving commercial real estate using SBA 504. The 504 program requires owner-occupancy of at least 51% of the financed property and involves coordinating between a conventional lender and a CDC — a process that benefits significantly from experienced management.
Businesses that have been declined by an SBA lender and need their application package strengthened, or that were declined due to lender fit rather than credit quality. We assess the specific reasons for the decline and address them systematically before resubmission to a different lender.
| Dimension | SBA 7(a) | SBA 504 |
|---|---|---|
| Maximum loan amount | $5 million ($3.75M SBA guaranteed portion) | No statutory cap on project size; CDC debenture up to $5.5M standard / $5M manufacturing |
| Primary use | Working capital, equipment, real estate, business acquisition, debt refinancing — flexible | Fixed assets only: commercial real estate and long-life equipment (minimum 10-year useful life) |
| Capital structure | Single lender provides full loan amount; SBA guarantees up to 85% (loans under $150K) or 75% (above) | Three-party: conventional lender 50% (first lien), CDC-SBA debenture 40% (second lien), borrower equity 10% |
| Collateral | All available assets pledged; personal guarantee required from all 20%+ owners; SBA does not decline for insufficient collateral if otherwise creditworthy | Real estate or equipment being financed is primary collateral; additional collateral may be required by conventional lender |
| Interest rate | Variable (Prime + spread) or fixed; current rates approximately Prime + 2.25% to 4.75% depending on size and maturity | CDC debenture fixed below-market rate; conventional lender portion at market rate — combined effective rate typically lower than 7(a) |
| Equity injection required | 10% for business acquisitions and some purpose-specific uses; lender discretion on others | Minimum 10% borrower equity — 15% for special purpose properties, 20% for startups or single-purpose buildings |
| Speed | Faster via SBA Express (up to $500K) and Preferred Lender Program. Standard 7(a): 4–10 weeks | Slower due to CDC involvement and two-lender coordination. Typically 8–14 weeks from complete application |
| Best for | Business acquisitions, working capital lines, equipment, mixed-use financing, smaller deals requiring flexibility | Large commercial real estate acquisitions and construction where owner-occupancy applies and fixed-rate financing is valuable |
Tell us about your business, what you need the financing for, and where you currently stand with your documentation, and we will respond within one business day with a clear assessment of which SBA program fits, what we need to build the application, and what our involvement will cost.
Financely advises on SBA program eligibility, prepares and organises the full application document package, builds or reviews the financial model and projections, prepares SBA forms 1919, 912, and 413, identifies appropriate SBA-approved lenders for the transaction, submits the package, and manages underwriter queries and conditions through to lender approval. Financely is not an SBA lender or Certified Development Company and does not issue SBA loans — we are an advisory and packaging service whose job is to get a complete, consistent, well-structured application in front of the right lender.
The service is designed for: business owners seeking working capital, equipment, or real estate financing via SBA 7(a); business acquirers using SBA 7(a) to finance a purchase or management buyout; commercial real estate owner-occupiers using SBA 504 to acquire or improve a property; and borrowers who have been declined by a lender and need their application package assessed and strengthened before resubmission. The service is for established, post-revenue businesses operating in the United States. Financely does not provide personal finance or consumer credit services.
No. Financely provides advisory and packaging services. Approval decisions are made by SBA-approved lenders and the SBA itself based on full credit underwriting, compliance review, the borrower's financial profile, and current SBA program guidelines and funding availability. A well-prepared, complete, and consistent application package materially improves the probability of approval and reduces the time to decision, but it does not guarantee a specific outcome. Financely makes no assurance regarding capital-raising outcomes.
Document collection and application packaging typically takes two to four weeks depending on the completeness of your existing financial records. Businesses with current, clean, CPA-prepared financials move through this phase faster than those that need to catch up on bookkeeping or reconstruct records. Lender underwriting takes a further four to eight weeks for SBA Preferred Lenders with delegated approval authority, or six to ten weeks for standard lenders requiring full SBA credit review. SBA 504 transactions take longer due to CDC coordination and the environmental and appraisal requirements. Total timeline from engagement to funded is typically 60 to 90 days for a well-prepared 7(a) application and 90 to 120 days for a 504 transaction.
Financely's SBA loan application assistance service prepares and submits the borrower's application to SBA-approved lenders, managing the process from eligibility assessment through to lender approval. It is an advisory and packaging service for borrowers who qualify or are close to qualifying on their own merits. Financely's separate SBA loan guarantee service provides a third-party guarantor commitment — backed by a standby letter of credit or standby capital — to support loan approval for borrowers whose application requires additional credit enhancement. The guarantee service involves a different scope, different fees, and a different client profile. If you are unsure which service applies to your situation, submit your deal and we will advise.
Yes. A decline from one SBA lender does not prevent application to another, and lenders vary significantly in their appetite by deal type, industry, geography, and size. When a borrower comes to us after a decline, we first assess the specific reasons — whether the decline was due to the application package, lender fit, credit quality, or eligibility — and address each systematically. In some cases a different lender will have a stronger appetite for the transaction. In other cases, the application package needs strengthening before resubmission. In a small number of cases, the transaction genuinely does not qualify for SBA financing and we will tell you that clearly rather than charge a fee to resubmit a doomed application.
Submit your deal — business overview, financing purpose, approximate loan amount, and where you currently stand on documentation — and we will come back within one business day with a clear scope, timeline, and fee proposal.
Disclaimer: Financely Group provides advisory and packaging services for SBA loan applications and is not an SBA-approved lender, Certified Development Company, or guarantee agency. Loan approval decisions are made by SBA-approved lenders and the U.S. Small Business Administration based on full credit underwriting and compliance with SBA program requirements. Financely makes no assurance regarding capital-raising outcomes. Services are strictly business-to-business. Advisory services are reserved for post-revenue companies. Please review our earnings disclaimer before engaging.
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.
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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