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 Structured Debt
Private credit is not “alternative banking.” It is underwriting with fewer illusions. Funds and non-bank lenders price risk aggressively and they demand control, reporting, and downside protection. Eligibility is not about having a good story. It is about having verifiable cash flow, credible governance, and a structure that can survive stress.
This post breaks down the real eligibility factors that drive approvals, how lenders screen deals, and what causes fast declines. It is written for founders, CFOs, and sponsors preparing to raise growth capital, refinance, or fund acquisitions.
To understand our process and submission requirements, see How It Works and submit via Submit Your Deal.
Private credit is a broad market. “Am I eligible” depends on lender mandate: cash flow lending, asset based lending, recurring revenue lending, unitranche, mezzanine, or special situations. You do not become eligible by forcing your deal into the wrong box. You become eligible by matching structure to your economics and risk profile.
Private credit is built on downside control. Underwriters will ask the same question from multiple angles: if performance softens, do they still get paid, and can they enforce remedies quickly. The sections below map to how credit committees actually think.
Top-line scale matters less than revenue quality. Lenders prefer repeatability, low churn, contractual visibility, and limited dispute risk. If you sell into long payment cycles or high returns environments, lenders will demand stronger reserves, tighter covenants, and more control rights.
EEAT signal: lenders rarely accept revenue claims without corroboration. Expect bank statements, AR aging, contract samples, cohort retention, and customer concentration schedules to be requested early.
Most private credit is ultimately a coverage business. Even in growth structures, lenders want a path to cash generation that can service interest and amortization. If EBITDA is negative, you are not in “private credit” as most lenders define it. You are in venture debt, structured growth capital, or special situations, which have different terms and expectations.
Not all private credit is cash flow lending. Many approvals are driven by collateral coverage and control mechanics. Asset based lenders focus on receivables, inventory, equipment, and eligibility frameworks. Cash flow lenders focus on covenant packages, reporting, and enforcement rights.
| Coverage Type | What It Relies On | Typical Controls |
|---|---|---|
| Cash flow coverage | EBITDA stability and contractual revenue profile | Financial covenants, reporting, restrictions, cure rights |
| Asset based coverage | Eligible AR, inventory, or equipment value | Borrowing base, reserves, audits, field exams, dominion |
| Hybrid coverage | Cash flow plus collateral backstop | Dual covenant framework, tighter triggers and sweeps |
| Contract backed coverage | Assignable cash flows or documented offtake | Assignment, controlled accounts, step-in or consent rights |
Private credit lenders price risk, then reduce it through control. That means reporting cadence, covenant measurement, restricted payments discipline, and rights that activate when performance dips. Businesses that treat reporting as optional are rarely eligible for serious non-bank leverage.
Practical indicator: if your monthly close takes 45 days and your KPIs are not reconciled to financials, lenders will assume they cannot monitor risk and will either decline or price you as a special situation.
Eligibility also depends on what the debt is being used for. Growth capex, acquisition financing, refinancing, working capital, and shareholder liquidity each carry different risk profiles. Lenders want a simple story: why this debt exists, what it funds, and how it is repaid under both base and stress cases.
Speed and pricing are outcomes of preparation. A lender-grade submission requires a coherent narrative and verifiable evidence. The checklist below is what moves you from “inquiry” to “decisioning.”
Financely operates as a transaction-led capital advisory desk. We build the lender-grade package, map the deal to the correct lender box, and run structured decisioning to term sheets or written declines with reasons. Where execution requires licensing, we coordinate execution through appropriately licensed partners under their approvals.
To begin, review How It Works and What We Do. When ready, submit through Submit Your Deal.
Submit your financials, use of proceeds, and collateral summary. We will revert with feasibility, a checklist, and a decisioning plan sized to your timeline.
Many lenders have minimum scale requirements because fixed diligence and monitoring costs are real. Eligibility is driven more by cash flow quality and reporting than a single revenue number, but very small businesses often fall into non-institutional credit categories.
Not always, but audits materially improve underwriter confidence and can widen lender options. If you do not have audits, expect deeper diligence, tighter covenants, and a stronger requirement for bank statements and reconciled reporting.
Possibly through venture debt or structured growth credit, but terms differ from traditional private credit. Lenders will focus on cash burn, runway, customer retention, and capital support, and they will demand tighter controls.
It depends on lender mandate. Asset based lenders focus on eligible receivables and inventory, while cash flow lenders focus on enterprise value, covenants, and enforcement rights. Collateral is not just assets. It is also legal rights and control mechanics.
Submitting inconsistent numbers, unclear use of proceeds, and unsupported EBITDA adjustments. A lender will assume monitoring risk and governance risk and will exit quickly.
By packaging the deal to lender standards, mapping it to the correct lender box, and running a controlled decisioning process. Start via Submit Your Deal.
Eligibility is not a vibe. It is evidence, controls, and structure. If you prepare a lender-grade file and match your transaction to the correct underwriting box, private credit becomes a decisioning process rather than a guessing game.
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.
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request a quote
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book a paid telephone consultation.
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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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