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 not “a form you fill out.” It is a credit decision backed by documents, controls, and a repayment story that survives scrutiny. Whether you want a secured line of credit or an unsecured line of credit, the process follows the same spine: define the request, prove repayment, prove eligibility, then close the legal documents.
If you want a disciplined process and introductions that match your profile, start with Financely’s deal submission form. For the exact workflow, read our underwriting and process rules.
Lenders reject vague requests. Your first job is to specify the facility in plain terms: limit, purpose, tenor, pricing expectations, and whether it is a secured line of credit or an unsecured line of credit. If you cannot explain why the limit is the size it is, the file stalls.
Working capital, inventory buys, receivables timing, contract performance, seasonal swings, or refinancing an existing line.
Unsecured revolver, secured revolver, or borrowing-base line tied to eligible receivables and inventory.
What you can pledge, lien position, and whether guarantees are acceptable for your ownership group.
Decision deadline, closing timeline, and any constraints on reporting, covenants, or draw mechanics.
A secured line of credit can increase capacity and reduce pricing when collateral is clean. An unsecured line of credit can be simpler, but it leans harder on cash flow, credit profile, and guarantees. The best choice is the one you can actually support with documentation and reporting.
| Type | What It Usually Requires | Where It Breaks |
|---|---|---|
| Unsecured line of credit | Strong cash flow, clean tax filings, stable bank statements, credible management, often a guarantee. | Thin margins, volatile cash flow, weak credit, or unclear use of proceeds. |
| Secured line of credit | Collateral you can pledge cleanly, clear lien position, documentation that proves ownership and value. | Existing liens, unclear title, weak collateral liquidity, poor reporting discipline. |
| Borrowing-base revolver (asset-based) | AR aging, inventory reporting, eligibility rules, monthly borrowing base certificates, field exams and appraisals. | Disputed receivables, high dilution, customer concentration, obsolete inventory, messy records. |
Reality check: The cheapest line is the one you can keep. If your reporting is weak, the line becomes a liability when covenants tighten or collateral swings.
Underwriting is predictable. The lender wants to see repayment, control, and clean documentation. The fastest files are boring in the best way: consistent numbers, clean explanations, and zero missing pieces.
Recent financial statements, trailing performance, and a simple forward view tied to your working capital cycle.
Statements that reconcile with reported revenue and explain seasonality, large transfers, or concentration.
Debt schedule, existing facilities, lien position, UCC housekeeping, and payoff logic if refinancing.
AR aging, top customers, inventory listings, turns, and any collateral exclusions if you want a secured line of credit.
You do not want “any lender.” You want the lender that matches your size, industry, collateral profile, and reporting capabilities. A mismatch wastes weeks and increases the chance your file gets circulated in the wrong circles.
Red flag behavior: guaranteed approvals, pay-first promises, or anyone offering “proof” theatrics in place of underwriting. A real business line of credit is approved through credit committees, documented collateral, and enforceable legal documents.
Once the right lender is engaged, the process becomes mechanical: credit questions, diligence, term sheet, legal drafting, then closing. Expect the lender to stress-test your projections and ask uncomfortable questions. That is normal.
| Stage | What Happens | What You Control |
|---|---|---|
| Credit review | Initial underwriting, questions, and clarification requests. | Speed and clarity of responses, consistency of your numbers. |
| Diligence | Verification of financials, collateral, liens, and corporate documents. | Document completeness and clean explanations of any issues. |
| Term sheet | Proposed limit, pricing, covenants, collateral terms, and conditions to close. | Whether your ask is realistic and your documentation supports it. |
| Legal documentation | Loan agreement, security documents, guarantees, and closing deliverables list. | How fast you can produce signatures, resolutions, and closing items. |
| Closing and activation | Line becomes active, draw procedures are set, reporting cadence begins. | Ongoing reporting discipline and covenant compliance. |
Financely is a transaction-led capital advisory and placement desk. We package your request into a lender-ready memo and run targeted lender introductions. We do not run open-ended consulting. We run decisioning.
We turn scattered documents into a coherent credit package that lenders can actually underwrite.
We route to lenders aligned with your facility profile, then keep the process tight through diligence.
Term sheets or written declines. No endless loops, no “maybe” theater.
We are not the lender. We do not guarantee approvals. Where licensing applies, regulated partners execute under their own approvals.
Submit your request and supporting documents. We respond with a written proposal and next steps. If the file is placeable, we package it and run targeted introductions.
A specific facility request, clean financials, consistent bank statements, and a complete document set that answers lender questions before they ask.
Yes. The lender will confirm ownership, lien position, and liquidation logic. If collateral is messy, the “secured” label does not help.
Usually no. Unsecured decisions rely heavily on cash flow quality and credit profile. If cash flow is weak, consider a collateral-supported structure.
Debt schedules, lien clarity, AR and inventory backup, and a coherent explanation of use of proceeds tied to the requested limit.
No. Financely is not a lender. We package the file and introduce it to aligned providers who underwrite and decide.
No. We run a fixed, transaction-led process. Submit the file first, then we respond in writing with a 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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