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 Financing
Seller note financing is one of the most effective tools for closing small and mid-market business acquisitions where buyer equity alone is insufficient. Instead of demanding full cash at closing, the seller agrees to defer part of the purchase price and receive repayment over time through a promissory note.
In real transactions, seller notes often make the difference between a deal that dies in underwriting and a deal that reaches closing. Lenders treat seller notes as quasi-equity support, while buyers benefit from lower cash requirements and improved leverage.
Seller note financing (also called a seller carryback note or seller financing note) is debt issued by the buyer to the seller as part of the purchase price. The note specifies principal amount, interest rate, maturity, payment schedule, and default remedies.
Unlike earn-outs, which depend on future performance, a seller note is a fixed legal obligation. Payments are owed regardless of whether revenue grows or contracts, subject only to negotiated subordination and standstill terms.
From a lender’s perspective, a seller note demonstrates that the seller believes in the sustainability of the business. The seller is effectively reinvesting part of their proceeds into the company’s future.
This alignment reduces perceived risk, improves debt service coverage ratios, and lowers the buyer’s required equity contribution. In many acquisition financings, a 15%–25% seller note can replace a large portion of buyer cash.
| Term | Typical Range |
|---|---|
| Interest Rate | 6% – 12% |
| Amortization | 5 – 7 years |
| Interest-Only Period | 0 – 24 months |
| Security | Second lien or unsecured |
| Subordination | Yes (to senior lender) |
Purchase Price: $10,000,000 Senior Loan: $6,500,000 Buyer Equity: $1,500,000 Seller Note: $2,000,000
Result: Buyer closes with 15% equity instead of 35%+, while the lender sees stronger capitalization and seller alignment.
Seller notes provide certainty. Earn-outs introduce performance disputes, accounting arguments, and cash flow unpredictability. For that reason, lenders almost always prefer seller notes over earn-outs.
Financely structures acquisition capital stacks that combine senior debt, seller notes, mezzanine or junior tranches, and buyer equity into lender-ready packages. We then introduce transactions to banks and private credit funds in our network.
We do not offer success-fee-only work. Packaging, underwriting, and lender placement are paid engagements.
If you have an LOI, purchase price, and target business, submit your deal for structuring and lender placement.
Submit Your DealSeller notes are leverage tools. Structured properly, they convert marginal acquisitions into financeable transactions.
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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