Asset-Based Lending
Revolving and term facilities supported by receivables, inventory or equipment. Financely can structure an asset-based lending mandate around eligible business assets.
Commercial Lending • Private Credit • Business Finance
Alternative Business Lending
Financely helps companies and investors access alternative business lending for working capital, acquisitions and growth. We also arrange financing for equipment and commercial real estate. Our team structures the financing request and places qualified mandates with relevant lenders.
Borrowers seeking a broad commercial financing mandate can review our commercial lending solutions for U.S. businesses. Larger or more structured requirements may also qualify for private credit placement.
Alternative lending can provide capital for acquisitions, expansion, working capital and commercial assets.
Financing Built Around Your Business
Alternative lenders can underwrite cash flow and collateral. They can also evaluate enterprise value and transaction economics. This creates more flexibility for businesses with financing requirements outside conventional bank parameters.
Financely prepares the financing package and lender strategy. Our team then coordinates a targeted placement process for eligible mandates.
Request a Financing ReviewTypes of Financing
We review a wide range of business lending structures. The appropriate facility depends on the capital requirement and repayment profile. Collateral availability also influences lender selection.
Merchant Cash Advance
Short-duration capital based on recurring business sales. Companies requiring broader options can review our working capital facilities.
Equipment Leasing
Finance commercial machinery and equipment while spreading acquisition costs. See our equipment financing service for business assets.
Unsecured Business Loans
Business financing supported primarily by operating cash flow and borrower credit quality. Financely provides business loan consulting for eligible U.S. companies.
Business Acquisition Financing
Debt and structured capital for buyers acquiring operating businesses. Our U.S. business acquisition financing service covers eligible buyouts and acquisitions.
Cannabis and Hemp Financing
Financing for eligible licensed operators and related businesses. Availability depends on jurisdiction and lender policy. Complex cases can be reviewed through our private credit advisory service.
Business Bridge Loans
Short-term financing for a defined liquidity requirement or pending refinancing. Review our commercial bridge funding service for qualifying transactions.
CRE Bridge Loans
Short-term property financing for acquisitions and repositioning. Our CRE bridge loan service covers eligible transitional commercial properties.
CRE Permanent Financing
Longer-term debt for stabilized income-producing properties. Financely provides commercial real estate financing for qualifying assets.
Accounts Receivable Financing
Working capital supported by outstanding B2B invoices. Our accounts receivable funding service can support growing companies.
SBA Loan Program
Government-supported lending through participating U.S. lenders. Acquisition borrowers can use our SBA 7(a) and 504 loan packaging service.
USDA Loans
Financing programs for qualifying businesses and projects in eligible rural markets. U.S. borrowers can submit the requirement through our commercial lending advisory process.
Revenue-Based Financing
Growth funding supported by recurring company revenue. SaaS borrowers can also review our recurring revenue financing service.
Mezzanine Lending
Junior debt positioned behind senior financing. Our mezzanine financing service can support acquisitions and other structured transactions.
Securities-Based Lending
Credit supported by eligible investment portfolios. Larger structured requirements can be reviewed through our private credit placement process.
Asset-Based and Equipment Financing
Businesses with meaningful balance-sheet assets can use those assets to support borrowing capacity. Receivables and inventory are common collateral pools. Equipment can support a separate term facility or lease structure.
Companies with growing working capital requirements can review borrowing-base facilities for working capital. B2B companies can also consider receivables lending when customer payment terms create a cash-flow gap.
Inventory, receivables and equipment can form part of an asset-backed financing structure.
Business Acquisition Financing
Acquisition financing can combine senior debt with buyer equity. Seller financing and junior capital can also complete the capital structure.
Financely can prepare the transaction through its acquisition financing packaging service. Buyers requiring a wider capital stack can review senior debt, mezzanine and unitranche acquisition financing.
Transactions with a temporary closing gap can also use bridge capital for business acquisitions when the repayment strategy supports a short-term structure.
Acquisition finance can combine senior debt, bridge capital and structured junior financing.
Browse Financing Services
Select a financing category to access the most relevant Financely services.
Commercial Real Estate Lending
Commercial real estate borrowers can use bridge financing during acquisition or repositioning. Stabilized properties can transition into longer-term debt once occupancy and cash flow support permanent financing.
Financely provides commercial real estate debt raising for eligible U.S. transactions. Sponsors can also use our CRE debt structuring and capital markets advisory service for larger financing requirements.
Commercial real estate financing can cover acquisition, repositioning and stabilized assets.
CRE Bridge Loans
Bridge loans can support acquisitions that require speed. They can also finance renovation and lease-up strategies. Qualified borrowers can review our CRE bridge loan structuring and placement service.
CRE Permanent Financing
Permanent debt suits stabilized properties with established income. Underwriting usually focuses on property value and debt service capacity. Our global commercial real estate financing service covers eligible transactions.
Accounts Receivable Financing
Receivables financing converts eligible invoices into working capital. Borrowing availability can grow with the company's eligible receivable base.
B2B businesses with long customer payment terms can use accounts receivable funding. Companies evaluating different structures can also compare receivables financing and factoring.
Equipment Financing and Leasing
Equipment financing allows a company to acquire productive assets while preserving operating liquidity. The financed asset generally forms an important part of the lender's security package.
Financely can arrange equipment financing for business assets across eligible commercial transactions.
Revenue-Based Financing
Revenue-based financing can support companies with predictable recurring sales. Underwriting focuses heavily on historical revenue and operating performance.
SaaS businesses can review our recurring revenue financing for SaaS companies when recurring contracts support borrowing capacity.
Mezzanine Lending
Mezzanine financing provides junior capital within a larger capital structure. It can increase available leverage for acquisitions and recapitalizations.
Buyers and sponsors can review our acquisition financing with senior debt, mezzanine and unitranche for transactions requiring multiple layers of capital.
Securities-Based Lending
Securities-based lending uses an eligible investment portfolio to support borrowing. Advance rates depend on portfolio liquidity and concentration. The lender also considers market volatility.
Larger structured credit requirements can be submitted through Financely's private credit placement process for an initial review.
Compare Alternative Business Lending Options
| Financing Type | Primary Use | Main Underwriting Factor |
|---|---|---|
| Asset-Based Lending | Working capital and growth | Receivables, inventory and equipment |
| Merchant Cash Advance | Short-term liquidity | Recurring sales volume |
| Equipment Leasing | Equipment acquisition | Equipment value and cash flow |
| Unsecured Business Loans | General corporate purposes | Operating cash flow |
| Business Acquisition Financing | Company acquisitions | Target cash flow and enterprise value |
| Cannabis and Hemp Financing | Operations and expansion | Licensing, cash flow and assets |
| Business Bridge Loans | Temporary capital requirements | Defined repayment event |
| CRE Bridge Loans | Acquisition or repositioning | Property value and exit strategy |
| CRE Permanent Financing | Stabilized property financing | Property cash flow |
| Accounts Receivable Financing | Working capital | Eligible receivables |
| SBA Loan Program | Acquisitions and expansion | Program eligibility and repayment capacity |
| USDA Loans | Eligible rural businesses | Program eligibility |
| Revenue-Based Financing | Growth capital | Recurring revenue |
| Mezzanine Lending | Acquisitions and recapitalizations | Cash flow and enterprise value |
| Securities-Based Lending | Liquidity | Eligible investment assets |
Who We Serve
Business Owners
Financing for working capital and expansion. Equipment and acquisition requirements can also be reviewed.
Acquisition Entrepreneurs
Capital structures for business acquisitions and management buyouts. Search fund transactions can also qualify.
Property Investors
Bridge and permanent financing for eligible commercial real estate transactions.
Private Equity Firms
Debt placement for acquisitions and portfolio companies. Refinancing mandates can also be reviewed.
Established Companies
Private credit and asset-backed financing for companies with measurable operating history.
Special Situations
Structured financing for transactions requiring specialized underwriting or flexible lender parameters.
What Lenders Review
Each financing structure has different underwriting requirements. Most lenders begin with the company's financial position and intended use of funds.
- Historical financial statements
- Current management accounts
- Business bank statements
- Existing debt schedule
- Accounts receivable aging
- Inventory reports
- Equipment schedules
- Commercial real estate information
- Purchase agreements
- Financial projections
- Sources and uses
- Ownership information
Borrowers can improve lender presentation through our business loan packaging service. More complex debt raises may require private credit data room preparation.
How Financely Arranges Alternative Business Lending
1
Financing Review
We review the borrower and transaction. We also establish the required amount.
2
Structure
We identify the financing structure that fits the assets and repayment profile.
3
Lender Placement
We approach relevant lenders and capital providers for qualified mandates.
4
Execution
We coordinate diligence and commercial terms through the financing process.
Request an Alternative Lending Review
Submit your financing amount and intended use of funds. Include your company financials and available collateral. Financely will review suitable structures and potential lender categories.
Request Business FinancingFrequently Asked Questions
What is alternative business lending?
Alternative business lending includes financing from private lenders and specialized commercial finance providers. Structures include asset-based lending and bridge financing. Private credit and revenue-based facilities can also qualify.
What types of alternative business financing are available?
Financing options include asset-based lending and equipment financing. Acquisition loans and bridge facilities are also available. Receivables finance and mezzanine capital can support more complex requirements.
Can alternative lenders finance a business acquisition?
Yes. Acquisition lenders can finance eligible company purchases based on target cash flow and transaction structure. Enterprise value and buyer equity also influence lender appetite.
Can I obtain financing against accounts receivable?
Yes. Receivables financing can provide working capital against eligible B2B invoices. Lenders evaluate customer quality and invoice aging.
What is an asset-based business loan?
Asset-based lending uses business assets to support borrowing capacity. Common collateral includes receivables and inventory. Equipment can also support a facility.
Can Financely arrange commercial real estate financing?
Financely can review CRE bridge and permanent financing mandates. Terms depend on property type and cash flow. Leverage and exit strategy also influence lender appetite.
What is revenue-based financing?
Revenue-based financing provides capital based heavily on recurring business sales. Repayment economics can vary with company revenue performance.
What is mezzanine lending?
Mezzanine lending provides junior capital behind senior debt. It can increase total financing for acquisitions and recapitalizations.
What documents are required for business financing?
Lenders commonly request financial statements and bank statements. Debt schedules and projections may also be required. Asset reports support collateral-based structures.
How does Financely get paid?
Financely works under a commercial advisory mandate. Engagements can include a retainer and success-based compensation. Pricing depends on transaction size and complexity.
This page provides general commercial finance information. Financing remains subject to lender underwriting and credit approval. Program eligibility depends on the relevant provider. Financely works on a best-efforts basis. All mandates remain subject to KYC and AML review. Sanctions screening and transaction diligence also apply.