Buying a profitable small or mid-sized business is one of the most direct ways to compound wealth and build predictable cash flow. The challenge is not finding targets. The challenge is putting together a capital stack that a real credit committee can approve on a tight timeline.
Financely supports SME acquirers, independent sponsors, and repeat buyers seeking acquisition financing through regulated partners. We are not a bank and we do not lend from our own balance sheet. We run underwriting-led processes designed to convert a signed LOI into executable financing, not vague “interest” that disappears during diligence.
The exact structure depends on the target’s cash flow, asset base, and sector profile. For many SME transactions, lenders focus on senior secured leverage supported by historical earnings, with optional layers when the purchase price or growth plan requires more flexibility.
A clean acquisition stack balances ambition with resilience. The goal is to fund the purchase without creating a fragile cost base that fails under small revenue shocks.
The consistent advantage is decision speed and a clear equity plan from day one.
Lenders prefer businesses that can be understood quickly and stress-tested conservatively.
The underwriting lens is blunt and practical. A lender wants to know whether the target’s cash flow can service the debt through normal volatility, and whether the buyer has the governance and operating plan to protect downside risk.
For most institutional processes, meaningful buyer equity is not optional. It is part of the risk-sharing logic that allows leverage to be approved. The exact level depends on the target, the sector, and the structure. What does not change is the need for clear evidence that the equity is committed and timed to the closing plan.
Buyers who attempt to raise the full purchase price as debt often waste time and weaken credibility. A balanced approach attracts more serious term sheet engagement.
SME deals move fast until they do not. Most delays come from preventable gaps in preparation.
A lender-ready file saves weeks. The following items materially improve process speed:
Financely acts as advisor and arranger through regulated partners. We do not provide direct loans. We do not promise guaranteed approvals. We build a focused, institution-friendly narrative that matches the target’s risk profile and the buyer’s real capacity.
Our work typically includes eligibility review, capital stack design, lender-grade materials, data room structuring, targeted outreach, credit Q&A support, and help through documentation. The objective is clear. Secure executable terms that protect the buyer’s downside while still allowing the acquisition thesis to work post-close.
If you have a live LOI or are close to signing one and need senior debt, unitranche, or a structured acquisition capital stack, Financely can review your case and coordinate an underwriting-led process through regulated partners.
Request Acquisition Financing ReviewDisclaimer: This page is for general information only and does not constitute legal, financial, or investment advice. References to acquisition structures, leverage expectations, or eligibility are illustrative and may not reflect the requirements of any specific institution or jurisdiction. Financely acts as advisor and arranger through regulated partners and is not a bank or direct lender. Any financing outcome is subject to underwriting, KYC, AML, sanctions screening, legal review, and approvals by relevant institutions. Professional and corporate audience only.
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.
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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