Debt Advisory, Refinancing And Capital Raising
Financely advises companies, sponsors and asset owners seeking to raise capital or refinance debt through senior secured debt, private credit, asset-backed lending, acquisition finance, growth capital, bridge financing, recapitalization, structured equity or refinancing of existing obligations.
Raise Capital / Refinance Debt
Companies raise capital or refinance debt when their current capital structure no longer fits the business plan. The issue may be acquisition funding, growth capital, working capital, covenant pressure, upcoming maturity, high-cost debt, inadequate availability under an existing facility, or a need to replace bank debt with a private credit solution.
Financely helps clients convert a capital need into a lender-readable transaction. That means we define the use of proceeds, analyze repayment capacity, identify suitable debt and equity instruments, prepare the credit narrative, organize the data room and route the mandate to capital providers with relevant appetite.
Typical client: a company with revenue, assets, contracts, receivables, acquisition documents, cash flow, collateral or a defined transaction that needs USD 5 million plus of debt, refinancing or structured capital.
Common Capital Raising And Refinancing Needs
Acquisition Financing
Debt and structured equity for business acquisitions, add-on acquisitions, sponsor-led buyouts, seller note coordination and closing-date capital needs.
Growth Capital
Capital for expansion, capex, new contracts, inventory build, working capital, receivables growth, equipment purchases or project mobilization.
Debt Refinancing
Replacement of existing debt, maturity extension, lender takeout, covenant reset, amortization relief, pricing review or collateral-based recapitalization.
Recapitalization
Capital structure adjustment through senior debt, subordinated debt, preferred equity, minority equity, shareholder liquidity or balance sheet repair.
Financing Instruments We Consider
| Instrument | Use Case |
|---|---|
| Senior Secured Debt | Core refinancing, acquisition finance, asset-backed lending, receivables finance, inventory finance, equipment finance or cash-flow lending. |
| Private Credit | Non-bank debt for borrowers that need speed, structure, higher leverage, larger proceeds or more flexible collateral treatment than bank lenders provide. |
| Unitranche Financing | Single debt facility used for acquisitions, sponsor-backed growth, refinancing or situations where senior and subordinated debt are combined. |
| Mezzanine Debt | Junior debt used where senior debt proceeds are insufficient and the borrower wants to reduce common equity dilution. |
| Preferred Equity | Structured equity capital with negotiated return, redemption rights, payment-in-kind features, control protections or conversion provisions. |
| Bridge Financing | Short-term capital used ahead of refinancing, asset sale, receivables collection, acquisition closing, project milestone or longer-term facility. |
Our Process
Financely starts by testing the transaction against lender appetite. We review the capital requirement, debt schedule, collateral, financial statements, cash flow, covenant profile, repayment sources and the closing timeline. If the transaction has a credible path, we prepare the materials needed for lender and investor review.
1. Capital Need Assessment
We review the use of proceeds, amount required, existing debt, target closing date, cash flow, collateral, leverage tolerance and likely funding sources.
2. Capital Structure Design
We determine whether the transaction fits senior debt, private credit, mezzanine debt, preferred equity, asset-backed lending, bridge capital or a blended structure.
3. Credit Materials
We prepare a credit memo, sources and uses, repayment analysis, debt schedule, collateral summary, lender questions, data room index and term sheet logic.
4. Capital Provider Outreach
We approach suitable lenders, private credit funds, family offices, alternative lenders, asset-backed lenders and structured equity investors.
What Lenders Will Underwrite
Lenders do not underwrite ambition alone. They review historical performance, cash flow, collateral, debt service capacity, management quality, reporting discipline, customer concentration, supplier concentration, legal structure, repayment source, downside case and exit route. A borrower seeking refinancing must also explain why the current facility should be replaced and how the new structure improves repayment visibility.
| Review Area | What Must Be Clear |
|---|---|
| Use Of Proceeds | Exact capital requirement, allocation of funds, closing date, transaction costs, debt repayment, working capital, capex or acquisition consideration. |
| Repayment Capacity | EBITDA, cash flow, DSCR, working capital cycle, receivables conversion, margin stability, customer payment history and refinancing exit. |
| Collateral | Receivables, inventory, equipment, real estate, contracts, cash, deposits, pledged shares, guarantees or other security available to support the facility. |
| Existing Debt | Current lenders, maturity dates, covenants, pricing, amortization, liens, intercreditor position, defaults, waivers and payoff requirements. |
| Closing Risk | Document readiness, diligence gaps, legal issues, shareholder approvals, third-party consents, compliance checks and funding timeline. |
Important: a refinancing request is harder to place when the borrower cannot explain existing lender issues, covenant pressure, lien position, collateral value, cash leakage or repayment capacity. These gaps should be addressed before lender outreach.
Best-Fit Transactions
Financely is best suited for borrowers and sponsors with defined capital needs, credible documents and a near-term transaction. This includes acquisition financing, refinancing, bridge-to-close funding, debt consolidation, maturity management, growth capital, asset-backed lending, receivables financing, inventory financing, equipment-backed debt and structured private credit mandates.
We are less suited to speculative raises with no financial statements, no contracts, no collateral, no buyer or lender-ready evidence, no repayment source and no budget for transaction preparation. Capital markets work requires discipline. The borrower must be prepared to support every claim with documents.
Raise Capital Or Refinance Debt
Submit your transaction summary, requested amount, use of proceeds, existing debt schedule, financial statements, collateral details and target closing date. Financely will assess whether the request can be structured for capital provider review.
Financely Inc. is a corporate finance consulting firm. Financely is not a bank, securities broker-dealer, law firm, tax advisor or investment adviser. Financing is subject to diligence, lender appetite, KYC, KYB, sanctions screening, legal documentation, collateral review, closing conditions and final approval by funding parties. No financing outcome is guaranteed.