Lender-Ready Package: Credit Memo, Model and Lender List
Find The Right Lender Faster. Access 12,000+ Lenders.
AI Lender Match helps business owners, investors, and sponsors identify lenders that fit their deal profile without wasting weeks on cold outreach. Get a smarter starting point for acquisitions, commercial real estate, trade finance, and structured debt transactions.
The Credit Package Lenders Expect, Delivered in 2 to 4 Weeks
Most financing requests are declined before a credit committee ever sees them, because the file is incomplete, the model doesn't hold up or the request goes to the wrong lenders. The Lender-Ready Package gives you a complete, underwriter-grade credit file and a shortlist of lenders matched to your deal, for one fixed fee.
What You Receive
The credit case written the way an underwriter writes it: business, use of proceeds, repayment source, collateral, key risks and mitigants. Built by our debt underwriting team.
A clean financial model with a base case and a downside case, so lenders can see how the business performs under stress.
The facility amount, structure and tenor your numbers can support, with DSCR, leverage and covenant headroom shown.
A one-page teaser for first contact, or a full information memorandum for larger raises.
A structured index of every document a lender will request, with gaps flagged, ready for a full data room.
Lenders from our network of over 12,700 that are active in your deal size, sector, structure and jurisdiction, with what each one looks for.
Who It's For
Companies refinancing maturing debt. Your current lender is pulling back or the facility is due within 18 months, and you need a file new lenders will take seriously.
Importers, distributors and traders. You need a borrowing base, receivables or inventory facility, and your bank wants more than your accounts.
Sponsors and acquirers. You are raising acquisition, bridge or real estate debt and want to approach lenders with a complete package from day one.
Pricing
One fixed fee, paid upfront when you sign the engagement letter. No milestones and no success fee.
Facilities up to USD 5 million. One borrowing entity, a single facility and at least two years of financial statements. Includes a teaser.
Facilities of USD 5 to 25 million. Refinancings, borrowing base and asset-based facilities, or groups with several entities. Includes an information memorandum.
Facilities above USD 25 million, cross-border deals, construction or project finance, and layered capital structures. Scoped and quoted per deal.
How It Works
- Deal Review. Submit your request. For a USD 500 Deal Review Fee, an advisor assesses the deal and confirms the tier and a fixed price.
- Engagement. You sign the engagement letter and pay the package fee. Work starts the same week.
- Information request. We send a tailored document list and hold one working session with your finance team.
- Delivery. You receive the full package, walk through it with us, and get one round of revisions.
- Optional placement. Use the package with your own lenders, or appoint us under a separate retainer to run the lender process for you.
Frequently Asked Questions
Does the package guarantee financing?
No. You are paying for a defined set of documents and analysis. Lending decisions are made by lenders after their own underwriting. A complete, credible file gives your request the best chance of a serious review.
Can I use the package with my own bank or lenders?
Yes. The documents are yours to use with any lender, including your existing bank. The shortlist adds lenders you may not have considered.
What happens if I want you to approach lenders?
We quote a separate placement retainer covering lender outreach, term sheet negotiation and closing support. Because the package is already done, placement can start immediately.
What do you need from me?
Recent financial statements, management accounts, existing debt terms, details of the collateral and a clear use of proceeds. We send the full list after the Deal Review.
Is the Deal Review Fee credited?
Yes. The USD 500 Deal Review Fee is credited against the arranger fee on any full mandate that follows.
Get Your Deal Lender-Ready
Tell us the amount, the purpose and the timeline. We will confirm your tier and a fixed price.
Request a QuoteThe Lender-Ready Package fee is payment for the preparation of documents and analysis, not for obtaining a loan. Financely is an advisory and arranging firm, not a lender or broker-dealer. Any financing is subject to lender underwriting, due diligence, credit approval, documentation and conditions precedent. No outcome, terms or timeline is guaranteed.
Independent Capital Advisory
About Financely
Financely is an independent capital adviser focused on trade finance, project finance, commercial real estate and M&A funding. We structure, underwrite and place transactions through regulated partners across banks, funds and insurers.
Our work is transaction-specific. We assess the underlying financing requirement, commercial structure, repayment mechanics, collateral, documentation and counterparty risks before preparing opportunities for lender or investor review.
In trade and commodity finance, this includes analysis of the underlying trade, payment mechanics, market evidence, collateral controls and compliance risks. Engagements are undertaken on a best-efforts basis and do not constitute a commitment to lend or invest. All transactions remain subject to KYC, AML, due diligence, credit approval and counterparty requirements.
Trade Finance Expertise
Institutional Trade Finance Experience
Financely combines experience across documentary credits, structured trade finance, commodity finance, structured credit and working-capital facilities with transaction structuring, underwriting preparation and capital placement capabilities.
Our trade finance capabilities cover import, export, pre-shipment, post-shipment and commodity-backed financing structures across Europe, Africa, the Middle East, South Asia and Southeast Asia. We assess the commercial transaction alongside the proposed financing structure, including payment mechanics, counterparties, collateral, repayment sources and transaction controls.
Financely supports importers, exporters, commodity traders, manufacturers and other operating companies with structuring, underwriting preparation and placement of financing opportunities with banks, private credit funds, specialty lenders, insurers and other institutional capital providers.
Our work may include documentary credit structures, supplier financing, receivables facilities, inventory financing, borrowing-base facilities, pre-export finance and other structured working-capital solutions. Each mandate is developed around the underlying trade flow, credit profile and requirements of prospective financing providers.
Trade Finance Capabilities
- Documentary letters of credit under UCP 600
- Standby letters of credit under ISP98
- UPAS and supplier-payment structures
- Import and export financing
- Pre-export and pre-shipment facilities
- Post-shipment financing
- Receivables discounting and financing
- Inventory-backed facilities
- Commodity-backed working-capital facilities
- Borrowing-base financing structures
- Collateral-control structures
- Structured credit and private debt facilities
Underwriting & Execution
- Transaction structure and financing analysis
- Trade-flow and repayment-source assessment
- Counterparty and commercial-document review
- Collateral and security-package structuring
- Cash-control and repayment mechanisms
- KYC, AML and compliance coordination
- Credit memorandum and lender-package preparation
- Financial and transaction data-room preparation
- Lender and capital-provider identification
- Financing structure and term-sheet coordination
- Documentation-process coordination
- Financing placement and execution support
Financely's trade finance capabilities include postgraduate finance qualifications and professional experience across banking, structured credit, documentary trade finance, working-capital finance and cross-border commodity transactions. Sector exposure includes energy, metals, agricultural commodities, industrial products and general import-export trade.
Advisory Services
Find the Right Financing Service
Select the financing category relevant to your transaction. Each mandate is assessed based on transaction structure, capital requirement, execution readiness and lender suitability.
Trade Finance Advisory
Structuring and placement for importers, exporters, commodity traders and companies executing cross-border transactions. Mandates may involve documentary credits, commodity-backed facilities, receivables, inventory and structured working capital.
Project Finance Advisory
Debt and capital advisory for renewable energy, infrastructure, industrial and other capital-intensive projects. Financely supports sponsors with financing structure, lender preparation and capital placement.
Commercial Real Estate Finance
Capital advisory for commercial property acquisitions, developments, bridge transactions, construction projects and refinancing requirements.
M&A and Acquisition Finance
Capital structuring for acquisitions, buyouts, sponsor-backed transactions and strategic corporate purchases. Mandates may combine senior debt, private credit, bridge capital and mezzanine financing.
Private Credit and Structured Debt
Bespoke debt structures for companies and sponsors requiring institutional capital outside conventional bank lending parameters.
Financely Structured Finance Insights
