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.
Business Financing
Most “loan applications” fail before underwriting starts. Not because the borrower is weak, but because the submission is incomplete, inconsistent, or impossible to diligence. Lenders move fast when the file is clean. When it is not, you get silence.
This page gives you the real document checklist lenders expect, plus the packaging standard that turns documents into a decision-ready lender file. If you want Financely to run it end to end, start with How It Works.
A lender is not buying your idea. They are pricing risk and proving compliance. That means they need to answer three questions quickly: who is the borrower, how will the loan be repaid, and what protections exist if performance is weaker than expected. Your documents are the evidence. Without evidence, you do not get a term sheet.
Fast reality check: if your ownership is unclear, your numbers do not tie, or your use of proceeds keeps changing, the file will stall. Many lenders will not send a decline. They will simply stop responding.
This is the compliance gate. If KYB fails, underwriting usually does not start.
This is the repayment logic. Lenders need verifiable performance and a coherent ask.
If the structure is secured, the lender underwrites what they can control, monitor, and enforce.
A “loan application” is not a form. It is a lender file. The fastest borrowers are the ones who submit a pack that can be reviewed without back and forth.
Use this checklist as your baseline. Not every deal needs every item, but this is the document set that typically gets you from “inbox ignored” to “credit review started.”
| Category | What to provide | What the lender is checking |
|---|---|---|
| Entity and KYB | Certificate of incorporation or formation, registry extract, articles and bylaws, operating agreement, org chart, signatory authority, principal IDs, proof of address. | Who owns and controls the borrower, and whether the entity is eligible to transact. |
| Financing request | Requested amount, timing, use of proceeds, proposed structure, repayment source, and key constraints (currency, collateral limits, covenants). | Whether the ask is coherent, financeable, and consistent with mandates. |
| Financial performance | Last 2 to 3 years financials, year to date management accounts, trailing period summary, gross margin detail, and a short cash flow bridge. | Repayment capacity and volatility. Whether margins and cash generation are real. |
| Bank evidence | Recent bank statements or transaction summaries when relevant, plus AR collections evidence if the ask is working capital. | Whether cash flows match the story and whether collections behave as stated. |
| Debt and liens | Debt schedule, lender statements, maturity dates, security interests, covenant constraints, any intercreditor documents if applicable. | Priority, hidden constraints, and whether new debt is possible. |
| Collateral support | AR aging, top customers, dilution and disputes, inventory reports, equipment schedule, appraisals where applicable, insurance certificates and loss payee evidence. | Whether collateral is measurable, controllable, and insurable. |
| Commercial contracts | Material customer and supplier contracts, pipeline evidence where relevant, and any project documents that explain revenue or delivery. | Whether revenue is contractual and whether there are concentration risks. |
| Forecast and downside | Forecast with assumptions register, key sensitivities, and covenant headroom view when applicable. | Whether the structure survives stress, not only the base case. |
Even with a perfect data room, lenders decide whether to engage based on the first page. If you want speed, make this front page clean and specific.
Financely is built for one repeatable outcome: package the deal to lender standards, route it to matched lenders, and run decisioning to written outcomes. If you want the full process view, start at How It Works. If you want to submit a deal, use Contact Us.
| Deliverable | What it includes | What it solves |
|---|---|---|
| Readiness gate | Fit screen and a deal-specific checklist tied to lender expectations. | Prevents wasted submissions and fixes gaps early. |
| Lender pack | Credit memo, sources and uses, debt schedule, metrics summary, collateral and controls overview, covenant targets, controlled data room. | Gives lenders clean inputs and a consistent narrative. |
| Matched routing | Outreach to lenders whose mandates fit size, sector, geography, collateral, and structure. | Raises response rate and term sheet quality. |
| Decisioning workflow | Submission tracking, Q&A routing, term sheet matrix, written outcomes and decision log. | Turns silence into documented outcomes you can act on. |
Financely Term Sheet Desk is a single flat-fee mandate designed to be repeatable and measurable. The minimum requested facility size is USD 2,500,000.
| Item | Terms |
|---|---|
| Flat fee | USD 49,500 per mandate |
| Payment milestones | USD 19,500 to start USD 15,000 on lender-ready package delivery USD 15,000 when lender outreach begins |
| Minimum requested facility | USD 2,500,000 |
| Step | What happens | What you get |
|---|---|---|
| 1) Submit your deal | You submit the request and initial documents. Financely returns a fit decision and a deal-specific checklist. | A clear list of what is required to reach underwriting review. |
| 2) Sign and pay to start | You sign the engagement letter and pay the start milestone. We open your platform workspace and set up the controlled data room structure. | A single workspace for documents, questions, and progress tracking. |
| 3) Package to lender standard | We build the lender pack and prepare the submission file. You review and approve the outreach version. | A lender-ready package that reads like an internal credit review file. |
| 4) Decisioning through written outcomes | We run matched outreach, log Q&A, track submissions, and normalize term sheets into a comparison matrix. When offers progress, we coordinate diligence sequencing toward closing under lender timelines. | Documented written outcomes and a controlled path from term sheet to closing. |
Refund Guarantee: If, within 90 days of engagement start (date of the start milestone payment), you do not receive at least one written term sheet or a written decline from matched lenders after outreach launch, you may request a refund of all Financely fees paid on that mandate. This guarantee is conditioned on timely delivery of required documents, accurate disclosures, and reasonable cooperation with lender Q&A. Third-party costs, if any, are not refundable.
You can submit what you have, but a lender term sheet usually requires verifiable performance and a coherent repayment story. If you are early, the right approach is often to resize the ask, tighten the structure, or use a collateral-backed path where controls exist.
Not always. Some lenders focus primarily on cash flow. Others require collateral and controls. The structure depends on your industry, margins, stability, and reporting capability. For trade-oriented facilities, start with trade finance fundamentals.
That is normal. A lender pack is simply a standardized decision file: a clean summary, a consistent data room, and schedules that reconcile. Financely builds this as part of Term Sheet Desk.
If you want a lender decision, submit a lender-ready file. Financely will screen fit, build the pack, route to matched lenders, and run decisioning to written outcomes.
Start with How It Works or submit directly via Contact Us.
This page is for general information only and does not constitute legal, tax, investment, or regulatory advice. Financely is not a bank, not a broker-dealer, and not a direct lender. Financely acts as arranger and advisor and coordinates execution through regulated partners where required. Any engagement and any introduction process is subject to diligence, KYC, AML, sanctions screening, lender criteria, and definitive documentation. The refund guarantee terms above apply only as stated and are subject to the cooperation and disclosure conditions described.
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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