Debt Refinancing, Credit Memo Preparation And Lender Outreach

Business Debt Refinancing Packaging Service

Financely prepares lender-ready debt refinancing packages for companies seeking to refinance existing loans, replace expensive debt, address near-term maturities, consolidate facilities, extend tenor, improve amortization terms, or move from short-term bridge debt into a more stable capital structure. This service is designed for borrowers that need a professional refinancing memo, updated debt schedule, payoff analysis, and lender outreach package before approaching banks, private credit funds, direct lenders, asset-based lenders, or specialty finance providers.

Fixed fee: USD 7,500 upfront. This service is available for companies seeking debt refinancing facilities of USD 2,500,000 or more. The scope includes refinancing package preparation first, followed by lender introduction positioning where the file is commercially viable.

What We Prepare

  • Lender-ready debt refinancing package.
  • Refinancing memo.
  • Credit memo-style lender summary.
  • Debt schedule and payoff overview.
  • Sources and uses table.
  • Repayment and collateral summary.
  • Lender outreach narrative.

Best Fit

  • Maturity refinancing.
  • Bridge loan refinance.
  • Expensive debt replacement.
  • Debt consolidation.
  • Working capital refinance.
  • Commercial Real Estate refinance.
  • Private credit refinancing.
  • Asset-based refinance facilities.

Lender Review Focus

  • Existing debt schedule.
  • Payoff letters and maturity dates.
  • EBITDA and cash flow.
  • Debt service coverage ratio.
  • Collateral and lien position.
  • Covenant history.
  • Use of proceeds.
  • Refinancing rationale.

Pricing And Trigger Point

Service Fee: USD 7,500 upfront.

Minimum Facility Size: USD 2,500,000.

Trigger Point: Engage Financely when your company has a loan maturity, expensive debt, pending balloon payment, covenant issue, refinancing requirement, bridge facility, lender payoff request, or need to approach replacement lenders with a complete credit file.

Common Documents Reviewed: Existing loan agreements, debt schedule, payoff letters, covenant history, payment history, bank statements, historical financial statements, management accounts, tax returns, collateral schedules, accounts receivable aging, inventory reports, appraisals, financial model, and corporate documents.

Refinancing lenders want a clean view of the existing capital structure before they review a new facility. The package needs to explain the borrower, current debt, maturity profile, payoff amount, collateral, lien position, use of proceeds, repayment source, financial performance, covenant history, DSCR, leverage, working capital position, risks, mitigants, and requested refinancing terms. Financely prepares the file so lenders can review the request as a serious business debt refinancing opportunity.

This service may support senior debt refinancing, bridge loan refinance, private credit refinancing, asset-based refinancing, working capital refinancing, Commercial Real Estate refinancing, acquisition debt refinancing, receivables-backed refinancing, inventory-backed refinancing, and debt consolidation requests. Lender introductions are considered only where the borrower has enough documentation, repayment capacity, collateral support, and commercial logic for review.

Start Your Business Debt Refinancing Package

Pay the USD 7,500 service fee directly, then submit your borrower documents for refinancing memo preparation, debt schedule review, credit file organization, and lender outreach review.

Pay USD 7,500

Financely is a corporate finance advisory firm and does not operate as a bank, direct lender, securities broker, investment adviser, mortgage broker, law firm, accounting firm, valuation firm, or guaranteed funding provider. Debt refinancing packaging, refinancing memo preparation, lender outreach, and lender introductions are subject to borrower documentation, lender appetite, underwriting, KYC, AML, sanctions screening, financial review, collateral review, lien review, legal documentation, market conditions, and final approval by the relevant funding parties. Payment of the service fee does not guarantee a term sheet, payoff approval, credit approval, commitment letter, refinance closing, or funding.