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.
Private Credit And Direct Lending
If you are raising debt for a middle market business, the fastest path is often not a bank syndicate. It is a non bank direct lender that can underwrite, commit, and close with fewer moving parts.
This post lists ten major platforms active in US middle market direct lending, plus a practical checklist for approaching them with a file that gets traction. If you want a lender ready packaging process, see How Our Platform Works and our Private Debt Advisory Services.
In this context, “non bank lender” usually means a private credit fund, BDC platform, or credit manager that originates loans directly to operating companies. The debt is typically senior secured and floating rate, and the lender is underwriting to cash flow, sponsor support, collateral, and covenant structure. The appeal is simple: fewer approvals across multiple banks, clearer accountability, and a tighter path from credit decision to closing.
Reality check: there is no single definition of “middle market.” In private credit, many lenders bucket borrowers by EBITDA bands and deal size. Your job is to match your transaction profile to a lender’s actual mandate, not their marketing language.
This list is not a league table. It is a practical shortlist of widely recognized US direct lending platforms that routinely finance middle market companies, including sponsor backed and select non sponsor situations. Always confirm fit on industry, leverage tolerance, collateral, and jurisdiction before submitting.
| Platform | Best Fit | Common Structures | Official Link |
|---|---|---|---|
| Ares (Credit, US Direct Lending) | Broad middle market, repeat sponsor relationships, cash flow and asset based situations | First lien, unitranche, revolvers, senior secured term loans | aresmgmt.com |
| Blue Owl (Credit, Direct Lending) | Primarily upper middle market, sponsor backed and select non sponsor, recession resistant sectors | First lien and unitranche style solutions, customized private credit | blueowl.com |
| Golub Capital | Sponsor backed middle market, repeat borrower and sponsor relationships | Unitranche and senior secured loans, hold to maturity style lending | golubcapital.com |
| Antares Capital (Direct Lending) | Private equity owned middle market companies, larger holds, lead arranger style execution | Senior secured, first lien, second lien, unitranche | antares.com |
| Monroe Capital | Lower middle market to middle market, direct lending with flexible execution | Senior secured, unitranche, junior capital in select cases | monroecap.com |
| Sixth Street (Direct Lending) | Middle market through large cap, speed and certainty oriented, thematic underwriting | Senior secured, structured private financings, bespoke solutions | sixthstreet.com |
| Apollo (MidCap Financial) | Middle market origination and specialty finance, sponsor and non sponsor across sectors | Senior debt solutions, specialty lending formats, bespoke structures | apollo.com |
| KKR (Credit) | Private credit across senior and junior capital, including direct lending strategies | Senior direct lending, junior debt, asset based finance | kkr.com |
| Blackstone (Credit And Insurance) | Large scale private corporate credit with direct lending capabilities | Senior direct lending, private corporate credit solutions | blackstone.com |
| Carlyle (Global Credit, Direct Lending) | Middle market direct lending and private credit solutions | Direct lending, opportunistic credit, special situations where relevant | carlyle.com |
A lender that loves sponsor buyouts may pass on a family owned carve out with messy reporting. Fit is not “who is biggest.” Fit is “who funds files like mine.”
The fastest declines come from numbers that do not reconcile, missing diligence, or a story that only works in the upside case.
If you want serious underwriting, you need a serious file. This is what moves a lender from “send more” to “credit review started.”
Core Package:
Financely runs private debt advisory and placement with a credit led process. We build the lender pack, clean up the underwriting narrative, route to a targeted panel based on mandate fit, and manage decisioning through written outcomes. If you are raising private debt, start with Private Debt Advisory And Placement and review our execution workflow at How Our Platform Works.
The quickest win is not blasting 50 lenders. It is submitting a tight package to the 5 to 12 that actually fund your exact profile. We can package your file to underwriting standards and run a controlled outreach process.
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 lend. Any lender engagement is subject to diligence, credit approvals, KYC and AML, sanctions screening, 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.
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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