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.
Business Acquisition
Seller financing is one of the most practical tools in lower middle market acquisitions. It can reduce cash at close, align incentives, and help a senior lender get comfortable. It also creates real obligations, so the terms must be clean.
For broader acquisition financing context, see: SMB acquisition finance.
Seller financing is a deferred portion of the purchase price paid over time. It can be structured as a note with scheduled payments, interest, and defined remedies. In underwriting, the key question is: does it strengthen the capital stack, or does it behave like hidden leverage that weakens debt service?
A seller that carries paper is still exposed to business performance. That often reduces perceived information risk.
Seller notes can bridge an equity gap without forcing the buyer to over-reach on cash. If the gap is larger, structured solutions may be needed.
| Term | What lenders prefer | Why it matters |
|---|---|---|
| Subordination | Clear subordination to senior debt | Avoids payment leakage before senior debt is serviced |
| Payment profile | Reasonable schedule that fits cash flow | Protects DSCR and reduces default risk |
| Standstill / cure mechanics | Defined rights and timing if issues arise | Prevents messy enforcement disputes |
| Security | Consistent with intercreditor terms | Avoids conflicting claims on the same collateral |
A seller note is not always enough. If the equity shortfall is structural, the deal may need a dedicated gap tranche with defined pricing and control terms. This is a practical reference: gap funding for a business acquisition.
Financely structures acquisition capital stacks and runs lender processes that produce term sheets and a closing path. If your deal benefits from multiple lender quotes, start here: Lender Introduction and Term Sheet Auction Management.
Share your LOI or purchase agreement, target financial summary, buyer profile, and the proposed seller note terms. We will revert with lender-compatible structures and what will be required to close. For process expectations, see How It Works.
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. All outcomes are subject to diligence, compliance screening including KYC, AML, and sanctions, lender approvals, and definitive documentation.
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.
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