SME and Commercial Loans
Finance pools of originated business loans supported by consistent underwriting, servicing and performance data.
Scalable Capital for Asset Originators
Warehouse Lending Facility Advisory Services
Financely structures warehouse lending facilities for specialty finance companies and asset originators that need revolving capital to fund loans, leases or receivables before repayment, refinancing or securitization.
Revolving financing for eligible financial assets originated under a defined credit policy.
Finance Originations Without Using Permanent Equity
A warehouse facility provides capital against a borrowing base of eligible assets. Borrowers can draw as new assets are originated and repay the facility as receivables are collected, refinanced or sold.
We structure the facility, analyze portfolio performance and prepare the transaction for placement with banks, private credit funds and asset-backed lenders.
Request a Warehouse Facility ReviewEligible Asset Classes
Loans and Leases
Establish revolving capacity against eligible equipment loans, leases and related payment streams.
Invoice and Contract Assets
Fund purchased or originated receivables that satisfy defined eligibility and concentration requirements.
Structured Loan Portfolios
Consider specialty consumer, merchant, healthcare or contractual credit assets with reliable servicing data.
A warehouse line is underwritten against both the originator and the assets. Providers will assess management, liquidity, servicing controls and historical portfolio performance.
Typical Facility Terms
- Revolving commitment and availability period
- Advance rates by asset category
- Asset eligibility criteria
- Borrower and obligor concentration limits
- Delinquency and default triggers
- Cash reserves and overcollateralization
- Controlled collection accounts
- Reinvestment and amortization periods
What Providers Evaluate
Originator
- Management experience
- Underwriting policy
- Financial performance
- Equity and liquidity
- Servicing capacity
Portfolio
- Loan-level data
- Delinquency history
- Net loss performance
- Recoveries and prepayments
- Portfolio concentrations
Our Advisory Process
1
Portfolio Review
We assess the business model, underwriting process and available asset data.
2
Facility Modeling
We model advance rates, reserves, triggers and potential borrowing capacity.
3
Provider Placement
We present the completed credit package to suitable warehouse lenders.
4
Closing Support
We coordinate diligence, term negotiation and documentation through closing.
Request Warehouse Lending Facility Advisory
Submit the requested commitment, asset type, portfolio tape, underwriting policy and historical performance for an initial assessment.
Submit a Warehouse Financing RequestFrequently Asked Questions
What is a warehouse lending facility?
It is a revolving credit facility secured by eligible financial assets. It allows an originator to fund new assets before repayment, refinancing or sale.
How is borrowing capacity calculated?
Capacity is generally based on the eligible portfolio balance multiplied by agreed advance rates, less reserves, exclusions and concentration adjustments.
Can a newer lending company qualify?
A newer company may qualify when its management, underwriting controls, equity support and portfolio data meet the lender’s requirements.
Is a minimum portfolio size required?
Requirements vary by lender. The facility must be large enough to justify legal, diligence, reporting and administration costs.
Does Financely provide the warehouse line?
Financely provides advisory, structuring, underwriting preparation and placement support. Third-party capital providers make final credit decisions.
This page is provided for general information and does not constitute a commitment to arrange or provide financing. Financely works on a best-efforts basis. All mandates remain subject to KYC and AML review, sanctions screening, portfolio diligence, provider approval and definitive documentation.