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 prepares complete SBA loan application packages for business owners pursuing 7(a), 504, and Express loan financing. That includes the business plan, financial projections, DSCR analysis, and every required SBA form — assembled and organised the way lenders actually expect to receive them.
Most SBA applications fail on first submission not because the business is unqualified, but because the paperwork is incomplete, inconsistent, or poorly structured. Lenders receive a thick package and start looking for reasons to request more information. We close those gaps before the package leaves your desk.
We prepare the Business Plan, the Financial Projections, and every Required SBA Form — packaged and organised for immediate lender submission.
Form 1919 (Borrower Information), Form 912 (Personal History), Form 413 (Personal Financial Statement), and Form 159 (Fee Disclosure) — completed accurately and consistently across all principals.
A lender-grade business plan covering executive summary, market analysis, management team, use of proceeds, and repayment narrative. Written to SBA standards, not a generic template.
Monthly cash flow forecasts (minimum 12 months), income statements, and balance sheet projections built to demonstrate your DSCR and repayment capacity clearly to the underwriter.
Tax returns, bank statements, P&L, balance sheet, debt schedule, legal entity documents, and collateral schedule — reviewed, labelled, and assembled in lender order.
This service is for established businesses with at least two years of filed tax returns pursuing SBA financing of $500,000 or more. It does not include lender introductions or loan brokerage.
The SBA does not reject deals because businesses are unqualified. Applications fail because the submission is incomplete, the numbers do not reconcile, or the lender cannot answer the underwriting questions from what is in front of them. The most common failure points:
| Failure Point | What Goes Wrong |
|---|---|
| Form 1919 | Missing signatures, blank fields, or inconsistent ownership information across principals. |
| Financial Projections | Projections that do not reconcile with historical tax returns or contain assumptions the lender cannot verify. |
| DSCR | A ratio below 1.25 that has not been explained or contextualised with a credible repayment narrative. |
| Business Plan | A description of the business that does not directly address how the loan will be repaid from operating cash flow. |
| Debt Schedule | Omitted obligations, rounded-down balances, or missing context on existing debt that conflicts with the DSCR calculation. |
| Tax Returns | Filed returns that conflict with the P&L or balance sheet submitted alongside the application. |
We review your loan purpose, target amount, business history, and existing financials. This takes 30–60 minutes and tells us exactly what your package needs to contain.
We send you a precise checklist — tax returns, bank statements, legal documents. Nothing vague, nothing excessive.
Our team prepares the business plan, financial projections, DSCR analysis, and all SBA forms. Standard packages take 10–14 business days. Complex packages are delivered in 7.
You review the completed package. We revise anything that does not accurately represent your business before you sign off and submit to your lender.
| Borrower Type | Typical Situation |
|---|---|
| Business Owners | Established operators pursuing 7(a) or 504 financing for expansion, equipment, or owner-occupied real estate. |
| Acquisition Buyers | Individual or partner-led buyers using SBA 7(a) to finance the purchase of an existing business. |
| Franchise Buyers | Buyers acquiring a new franchise unit who need a lender-ready package to support SBA financing. |
| MBO Teams | Management teams buying out ownership with SBA debt and needing a complete, credible submission package. |
Flat fees, paid upfront. All fees are disclosed to your lender on SBA Form 159 as required under SBA agent regulations. Select the tier that matches your deal.
Wire, SEPA, and crypto accepted
Wire, SEPA, and crypto accepted · 5% discount for crypto
SBA compliance note: SBA regulations require all agent fees, including document preparation fees, to be disclosed to the lender on Form 159 and deemed reasonable. Our fees comply fully with SBA guidelines and are disclosed at the start of every engagement.
Financely does not provide loans, guarantee approvals, or act as a bank or lender. All mandates are handled on a best-efforts basis and remain subject to lender underwriting, credit review, and formal approval by the relevant institution.
Payment initiates your engagement. We assign your preparation team and begin document collection within one business day of confirmed receipt.
At minimum: SBA Forms 1919, 912, 413, and 159; a business plan; 3 years of tax returns; financial statements; a debt schedule; and collateral documentation. We prepare and organise all of these.
Most first-submission rejections are caused by incomplete forms, financial statements that conflict with tax returns, a weak business plan, or an unexplained DSCR. We address each of these before submission.
No. SBA regulations recognise packagers as agents. All fees are disclosed to the lender on Form 159. Financely's fees comply fully with applicable SBA guidelines.
Standard packages are delivered in 10–14 business days. Complex packages, including acquisitions and projections built from scratch, are delivered in 7 business days on a priority basis.
Financely operates as a transaction-led advisory desk and as an SBA agent under applicable regulations. It does not accept deposits, provide direct loans, or promise funding outcomes. Any financing is subject to third-party review, transaction quality, lender appetite, and formal approval by the relevant capital provider. All agent compensation is disclosed on SBA Form 159 at the commencement of each engagement.
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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