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.
A business line of credit is a revolving facility that lets you draw, repay, and draw again up to an approved limit. It can be unsecured, secured, or structured as an asset-based borrowing base. The catch is simple: lenders care less about your pitch and more about your documentation, controls, and repayment capacity.
Want real lender outcomes without the chaos? Financely packages your request into a lender-ready file and runs targeted introductions. Start with Submit Your Deal and review the workflow on our procedure page.
An unsecured line of credit is underwritten primarily to borrower credit, cash flow, and guarantees. A secured line of credit adds collateral support, which often improves capacity and pricing when the collateral is clean and enforceable. If you want a quick baseline, see the SBA overview and a practical comparison guide from Bankrate. SBA and Bankrate.
Important: Many of the largest “secured line of credit” facilities in the US are asset-based lending structures tied to eligible accounts receivable and inventory. They are still business lines of credit, just with tighter reporting and collateral controls.
Debt service capacity, margin stability, and how the business behaves during slow months.
Borrower history, ownership structure, and whether a personal guarantee is required.
For a secured line of credit, lenders test lien position, asset quality, and liquidation logic.
Clean financials, bank statements, tax filings, and consistent reporting that matches the request.
Red flag: anyone promising guaranteed approvals, asking for upfront fees before real underwriting, or pushing “proof” theatrics. A business line of credit is a credit decision, not a loophole.
Financely is a transaction-led capital advisory and placement desk. We package your line request into a lender-ready memo and route it to aligned lenders based on size, collateral profile, sector, and urgency. We do not blast your file across the market.
Credit narrative, sources and uses, covenant logic, collateral story, and a clean data room index.
Targeted outreach to the right desks, not generic broker spam.
Binary outcomes only: term sheets or written declines. No endless “maybe” loops.
We are not the lender. We do not guarantee approvals. Where licensing applies, regulated partners execute under their own approvals.
This list is not ranked by volume. It is a practical shortlist of widely used US providers across bank and non-bank channels, spanning unsecured line of credit, secured line of credit, and business line of credit structures.
| Provider | Category | Typical Structure | Link |
|---|---|---|---|
| Chase | Bank | Unsecured and secured | Business line of credit |
| Wells Fargo | Bank | Unsecured and secured | Lines of credit |
| Bank of America | Bank | Unsecured and secured | Secured line of credit |
| Citi | Bank | Unsecured and secured | Business credit lines |
| U.S. Bank | Bank | Unsecured and secured | Business lines of credit |
| PNC Bank | Bank | Unsecured and secured | Business lines of credit |
| Truist | Bank | Unsecured and secured | Small business line of credit |
| Capital One | Bank | Lines of credit (relationship-led) | Loans and lines of credit |
| TD Bank | Bank | Unsecured and secured | Loans and lines of credit |
| BMO | Bank | Unsecured and secured | Business lending |
| Fifth Third Bank | Bank | Unsecured and secured | Small business line of credit |
| KeyBank | Bank | Unsecured and secured | Small business lines of credit |
| Regions Bank | Bank | Unsecured and secured | Loans and lines of credit |
| Huntington Bank | Bank | Unsecured and secured | Business line of credit |
| Citizens Bank | Bank | Unsecured and secured | Business line of credit |
| M&T Bank | Bank | Unsecured and secured | Small business lines of credit |
| Comerica | Bank | Lines of credit and term loans | Business loans and lines of credit |
| First Citizens Bank | Bank | Unsecured and secured | Small business line of credit |
| Synovus | Bank | Unsecured and secured | Loans and lines of credit |
| Santander Bank | Bank | Unsecured and secured | Business line of credit |
| First Horizon | Bank | Unsecured line of credit | Business line of credit |
| Zions Bank | Bank | Unsecured and secured | Business lines of credit |
| Bank OZK | Bank | Loans and lines of credit | Business lending |
| Cadence Bank | Bank | Unsecured and secured | Business loans and lines |
| UMB | Bank | Unsecured and secured | Commercial lending |
| Frost Bank | Bank | Unsecured and secured | Business lines of credit |
| Webster Bank | Bank | Unsecured and secured | Business line of credit |
| East West Bank | Bank | Loans and lines of credit | Loans and lines of credit |
| Western Alliance Bank | Bank | Loans and lines of credit | Loans and credit |
| Texas Capital Bank | Bank | Term loans and lines of credit | Term loans and lines of credit |
| American Express Business Line of Credit | Non-bank | Unsecured line of credit | Business line of credit |
| Bluevine | Fintech | Unsecured line of credit | Line of credit |
| Fundbox | Fintech | Unsecured line of credit | Fundbox line of credit |
| OnDeck | Fintech | Unsecured line of credit | Business line of credit |
| Headway Capital | Fintech | Unsecured and secured | Line of credit |
| Rapid Finance | Fintech | Unsecured line of credit | Line of credit |
| Credibly | Fintech | Unsecured line of credit | Business line of credit |
| Kapitus | Fintech | Unsecured line of credit | Business lines of credit |
| eCapital | Secured lender | Secured line of credit | Asset-based line of credit |
| Crestmark (Pathward) | Secured lender | Secured line of credit | Business line of credit |
| SLR Business Credit | Secured lender | Secured line of credit | Asset-based lending |
| Siena Lending Group | Secured lender | Secured line of credit | Siena Lending |
| White Oak Commercial Finance | Secured lender | Secured line of credit | Asset-based lending |
| Eclipse Business Capital | Secured lender | Secured line of credit | Eclipse |
| Pathlight Capital | Secured lender | Secured line of credit | Pathlight |
| Tiger Finance (Tiger Group) | Secured lender | Secured line of credit | Tiger Finance |
| Gordon Brothers Finance Company | Secured lender | Secured line of credit | GB Finco |
| Republic Business Credit | Secured lender | Secured line of credit | Asset-based lending |
| LQD Business Finance | Secured lender | Secured line of credit | LQD |
| Gibraltar Business Capital | Secured lender | Secured line of credit | Gibraltar |
If you want a business line of credit, make the request decision-ready. This is the minimum package lenders expect.
| Item | What To Provide |
|---|---|
| Facility request | Requested limit, secured line of credit or unsecured line of credit preference, use of proceeds, and target timing. |
| Financial package | Recent financials, trailing performance, and a simple forward view tied to working capital needs. |
| Bank statements | Recent statements that reconcile to reported revenue and explain seasonality or concentration. |
| Debt schedule | All existing facilities, maturities, collateral liens, and payoff plan if refinancing. |
| Collateral detail (if secured) | Accounts receivable aging, inventory listing and turns, lien position evidence, and exclusions policy. |
| Ownership and compliance | Ownership chart, IDs, KYC basics, and clean explanations of any adverse history. |
Submit your file and we will respond with a written proposal. If your request is placeable, we package it and run targeted introductions to aligned providers.
No. Financely is not a lender. We package the request and introduce it to aligned providers who underwrite and decide.
Not usually. Unsecured risk can price higher. Secured lines can price better when collateral and liens are clean.
Yes. Many providers structure this as an asset-based revolving line with borrowing base reporting.
No. Outcomes are lender term sheets or written declines based on credit policy and documentation.
Inconsistent financials, missing bank statements, unclear liens, and a request that does not match the borrower profile.
No. Financely runs a transaction-led process. Submit first, then you receive a written proposal and next steps.
Compliance and scope note: Financely provides best-efforts advisory and lender introduction services. Financely does not provide loans, does not guarantee approvals, and does not issue commitments. Where licensing applies, regulated partners execute under their own approvals. This page is informational and is not legal, tax, or accounting advice.
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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