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.
Commercial Real Estate
A 2026 maturity is not a “future problem.” If you wait until the last 60 to 90 days, you are negotiating from weakness and the market will price that in. The goal is simple: protect optionality so you can refinance, extend, recapitalize, or exit on your terms.
Financely runs lender and investor processes for sponsors and operating companies. If you want a direct view of how we execute, start with How It Works or go straight to Commercial Real Estate financing.
Forced sales usually come from one of three gaps: the refinance proceeds are short, the timeline is too tight, or the credit story is not clean enough to get to a binding term sheet. It is rarely just “rates.” It is the combination of current debt yield expectations, DSCR constraints, sponsor liquidity, reserves, capex requirements, and cash management terms that change the outcome.
There is no single “best” option. There is a best option for your timeline, your proceeds gap, and your asset profile. The right move is often a staged plan: extension to buy time, then bridge-to-perm, plus targeted equity to hit the refinance proceeds.
| Option | Works best when | Typical trade offs | Execution reality |
|---|---|---|---|
| Extension or modification | Asset is close to lender metrics and sponsor can fund reserves or partial paydown. | Fee, rate reset, tighter covenants, extra reserves, cash management. | Fastest path when you bring a credible plan and real sponsor support. |
| New senior refinance | Stabilized cash flow supports proceeds at current underwriting. | Lower proceeds vs peak cycle, lender control terms, escrows. | Best outcome if you start early and package the file cleanly. |
| Bridge to perm | Near term value creation is clear: lease up, TI/LC, capex, repositioning. | Higher cost of capital, stronger controls, shorter tenor. | Works when the business plan is real and the exit takeout is believable. |
| Preferred equity or JV equity | There is a refinance gap and the asset still has institutional appeal. | Control rights, coupons, IRR hurdles, approval rights. | Often the cleanest way to avoid a sale when proceeds are short. |
| Mezzanine debt | Senior is available but proceeds are short and cash flow can service layered debt. | Intercreditor complexity, pricing, covenant friction. | Feasible in the right assets, not a magic fix for weak cash flow. |
| Note sale or discounted payoff | Lender wants out and you want time or a reset to recapitalize. | Negotiation heavy, requires credibility and speed. | Can be powerful when the lender is motivated and the buyer set is real. |
Step 1:
quantify the proceeds gap under current underwriting, not hopes.
Step 2:
decide if time solves it (lease up, capex, NOI quality) or if only capital solves it (paydown, equity, recap).
Step 3:
run parallel paths so you are never boxed into a sale: extension path, refinance path, and recap path.
We do not “forward a deck.” We underwrite, package, and run a controlled outreach process so you get written feedback and real term sheets. Execution is coordinated through appropriately licensed and regulated firms where required, under their own approvals.
| Phase | What we do | What you get |
|---|---|---|
| Underwrite and gap map | Proceeds model, covenant sensitivity, sponsor support analysis, option set design. | A clear plan: extension, refinance, recap, plus a timeline you can execute. |
| Build lender package | Memo, sources and uses, story discipline, data room cleanup. | A lender ready file that credit teams can actually review. |
| Run outreach | Targeted outreach to matched lenders and capital providers. | Term sheets, written feedback, and negotiation support. |
| Diligence and closing | Coordinate third party reports, legal workflow, conditions precedent tracking. | A managed path to funding with fewer surprises late in the process. |
Week 1:
intake, data room checklist, gap map, underwriting memo draft.
Week 2:
lender package final, outreach begins, first feedback loop.
Weeks 3 to 5:
term sheets, Q and A, lender diligence, third party ordering.
Weeks 6 to 10:
legal docs, conditions precedent, funding.
Timelines compress when the file is clean and decision makers are responsive. Timelines blow out when ownership is messy, leases are unclear, or the plan is not credible.
If you have a 2026 maturity and want to avoid a forced sale, submit your file. We will assess the proceeds gap, map the best option set, and run a lender process built to produce real term sheets and a clear path to closing.
Start here: Commercial Real Estate financing or submit directly through Contact Us.
This page is provided for general information only and does not constitute legal, tax, investment, or regulatory advice. Financely is not a bank and does not custody client funds. All outcomes are subject to diligence, compliance screening including KYC, AML, and sanctions, counterparty and lender approvals, and definitive documentation. Where regulated execution is required, delivery is coordinated through appropriately licensed firms under their own approvals.
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.
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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