Short-Term Funding for Deal Closing: Real Options for Buyers with Signed LOIs
Short-Term Funding for Deal Closing: Real Options for Buyers with Signed LOIs
When you’ve got a signed LOI, the clock starts ticking. The seller expects movement. Legal fees start burning. And if you don’t have the full capital stack lined up—especially the first 5%–10%—you’re dead in the water. Traditional lenders can’t move fast enough. Most brokers aren’t even sure what to do once you’re past term sheet stage. That’s where short-term funding comes in.
What Is Short-Term Deal Funding?
Short-term deal funding is capital provided on a compressed timeline—usually 7 to 30 days—specifically to support buyers with committed transactions. This could be acquisition deposits, earnest money, gap equity, or bridge notes needed to close an asset deal, a business buyout, or a JV. It’s not speculative. You’re in contract, and the only thing between you and the finish line is cash-on-hand timing.
Financely works with private capital sources that specialize in filling this exact need: fast, focused, short-duration capital into credible deals with sponsor commitment.
Why This Pain Point Keeps Killing Deals
U.S. buyers routinely lose real estate and business acquisition opportunities because they can’t close fast enough. They have the back-end equity or bank financing approved—but no liquidity for the first $100K to $500K. Friends-and-family won’t touch it. Private lenders move too slow. And most capital groups won’t look at anything under $2M unless it’s fully packaged.
We’ve seen sponsors walk away from $10M–$20M deals over a short-term shortfall of less than $300K. That’s the margin where Financely operates.
What We Actually Fund
If you're buying a company, commercial asset, or off-market portfolio and have a signed LOI or PSA in hand, we can help you access:
— Gap funding to cover missing equity contributions — Deposit or escrow-backed bridge notes — Short-term working capital to satisfy conditional closing terms — Syndicated capital to fill shortfalls before full-stack funding
Our capital providers don’t fund ideas. They fund execution risk. You show the signed deal, the timeline, and the exit plan—and we show up with structure.
What You Need to Prepare
Be ready to show: — Executed LOI or purchase agreement — Evidence of additional committed capital (bank, equity, JV) — A breakdown of closing costs and timeline — Who the seller is and when the clock runs out
Financely packages and underwrites the deal for private groups who fund this niche. We’re not placing the whole raise—we’re solving the exact problem most buyers ignore until it’s too late.
Need Short-Term Capital to Close Your Deal?
If you’ve got a signed LOI and a short runway, we can underwrite and distribute your request in under 10 days.
Submit a Deal Book a CallExpected Timing & Costs
Most deals take 5–10 business days from submission to funding. We require upfront engagement once the file is reviewed. Typical costs are 2%–6% flat, or a convertible note structure with performance kicker. Some high-margin deals qualify for equity-linked structures that reduce short-term fees.
The Financely Advantage
We work with U.S. sponsors who know time kills deals. If your transaction is in motion, and you need real capital—not fluff or pitch decks—we’ll get it funded, structured, and documented before the clock runs out. If the deal is real, we’ll back it with capital that moves like you do.
Get Started With Us
Submit Your Deal & Receive a Proposal Within 1-3 Working Days
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.
Trade Finance
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.
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Access 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.
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Secure 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.
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Financely 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.
