> ## Content Index > Fetch the complete content index at: https://blog.financely.io/llms.txt > Use this file to discover other available public pages before exploring further. # Full-Scope Structured Finance Programme for Companies - URL: https://blog.financely.io/full-scope-structured-finance-programme-for-companies/ - Published: 2026-09-14T12:22:04.000Z - Updated: 2026-09-14T12:22:04.000Z - Description: Coordinate working capital, trade finance, acquisitions, projects and refinancing under one structured finance advisory and execution programme. - Author: Financely Debt Advisors Structured Finance Advisory ## Need Multiple Financing Facilities? Build One Capital Programme Companies undergoing expansion, acquisitions, major capital expenditure or rapid increases in trading volume rarely have only one financing requirement. A business may need working capital today, a letter of credit facility next quarter, acquisition debt for a transaction already under negotiation and longer-term project financing for a separate investment programme. Running each requirement as a disconnected financing exercise can create problems. Different lenders may compete for the same collateral, impose incompatible covenants, require conflicting cash controls or underwrite the same group cash flow without understanding the other facilities being contemplated. A full-scope structured finance programme takes a different approach. The company's financing requirements are assessed together, divided into the appropriate facilities, structured around the relevant entities and assets, prepared for institutional underwriting and taken to suitable capital providers through one coordinated advisory and execution mandate. **The objective is not to find one lender willing to provide everything.**It is to build a coherent capital programme in which each financing requirement has the appropriate structure, repayment source, security package, tenor and capital provider without creating unnecessary conflicts elsewhere in the group. ![Finance team reviewing a corporate financing programme during a meeting](https://images.unsplash.com/photo-1758691736451-6937303cc06f?auto=format&fit=crop&w=1600&q=82) Complex financing programmes require coordination across capital structure, underwriting, lender engagement and execution. ## What Is a Full-Scope Structured Finance Programme? A full-scope structured finance programme is a retained corporate finance mandate covering several connected financing requirements rather than one isolated facility. The advisory team develops the financing strategy, determines how individual facilities should interact, prepares lender-facing materials, identifies appropriate capital providers and manages the financing process through term development, diligence, documentation and closing. It can incorporate the same underwriting and execution disciplines used in [structured debt advisory ](https://blog.financely.io/what-is-structured-debt-advisory/), but apply them across a broader group of current and anticipated capital requirements. The result may ultimately involve several banks, private credit funds, asset-based lenders, trade finance institutions or other financing counterparties. What makes the programme coordinated is the capital strategy behind those facilities. ## What the Programme Can Cover ### Corporate Liquidity Revolving credit, working-capital facilities, asset-based lending, receivables finance, inventory finance and other liquidity structures supporting ongoing business operations. ### Trade Finance Documentary letters of credit, UPAS structures, supplier finance, guarantees, borrowing bases, pre-export facilities, commodity finance and other [trade finance structures ](https://www.financely.io/trade-finance?ref=blog.financely.io). ### Acquisition Finance Senior acquisition debt, private credit, bridge capital, refinancing facilities, acquisition working capital and other debt used to finance corporate purchases. ### Project and Infrastructure Finance Construction debt, project facilities, equipment finance, bridge facilities, reserve structures and long-term refinancing for capital-intensive investments. ### Asset and Real Estate Finance Property acquisition debt, bridge facilities, construction finance, refinancing, equipment-backed facilities and other asset-level financing requirements. ### Refinancing and Special Situations Replacement of existing debt, maturity management, recapitalisation, covenant restructuring, negotiated bridge financing and other situations where the current liability structure needs to be reorganised. ## Why Separate Financing Requirements Become Connected A facility that looks independent at first can materially affect the rest of the capital structure. The same receivables may be expected to support a revolving credit facility and an acquisition lender. A project lender may require parent-company support that reduces capacity elsewhere. A trade finance bank may request control over transaction proceeds that another lender expects to flow through its own accounts. | Issue | Why It Matters | Programme-Level Question | | ---------------- | ---------------------------------------------------------------------------------------------------- | ---------------------------------------------------------------------------------------------------- | | Collateral | Several facilities may rely on the same receivables, inventory, property, equipment or shares. | Which lender has first-ranking security and which assets remain available for subsequent facilities? | | Cash Flow | Different lenders may calculate available cash flow and debt service differently. | Can the group support every facility under a realistic downside case? | | Covenants | Restrictions imposed by one lender can limit additional borrowing, distributions or asset transfers. | Will the proposed covenant package permit the wider financing strategy? | | Cash Control | Trade, ABL and project facilities can each require controlled accounts or payment waterfalls. | How should collections and repayment flows move without creating conflicts? | | Maturity | Short-term facilities can create refinancing pressure before longer-term assets generate cash. | Are facility maturities aligned with the actual operating and investment cycle? | | Borrowing Entity | Debt may sit at operating-company, holding-company, acquisition-SPV or project-SPV level. | Which entity should borrow and where should security and repayment sit? | ## One Programme Does Not Mean One Facility A coordinated financing programme can contain several facilities with different lenders, maturities and security packages. The objective is not uniformity. It is to ensure that the facilities make sense together. ### Illustrative Corporate Financing Programme Consider a distribution and industrial group preparing for expansion. Management requires a USD 15 million revolving working-capital facility, a USD 20 million documentary credit line for suppliers, a USD 30 million acquisition facility and USD 10 million of receivables financing. Running four unrelated financing processes may produce four different views of the group's leverage, collateral and available cash flow. Under a coordinated programme, the facilities can first be assessed together. Receivables eligibility can be separated from other collateral, acquisition leverage can be tested against consolidated cash flow, trade facilities can be matched to actual trading cycles and covenant negotiations can take future borrowing requirements into account before documentation is signed. ## What Financely Does During the Mandate Full-scope execution involves considerably more than producing a lender list. Work begins with understanding the operating business, the existing liability structure, planned transactions, cash requirements, collateral and the sequence in which capital will be required. ### Capital Assessment Review existing debt, liquidity, financial performance, planned investments, transaction requirements, collateral and future capital needs. ### Capital Structure Design Determine which requirements should use senior debt, revolving facilities, asset-backed structures, trade instruments, bridge capital or other forms of structured financing. ### Debt Capacity Test leverage, debt service, collateral coverage, cash conversion and downside performance before facility sizes are taken to market. ### Transaction Preparation Organise financial models, credit information, transaction summaries, supporting schedules, data rooms and lender-facing documentation. ### Capital Provider Mapping Segment suitable banks, private credit funds, specialty lenders and other counterparties according to facility type, geography, size and risk appetite. ### Placement and Negotiation Coordinate controlled distribution, lender questions, management discussions, indicative proposals, term sheets and commercial negotiations. ### Diligence Coordination Keep lender, financial, legal, collateral, technical and commercial diligence workstreams aligned as transactions progress. ### Closing Management Track documentation, conditions precedent, outstanding information and execution requirements through closing. ## The Four-Step Procedure The programme is managed through four execution phases. Individual facilities can move through the phases at different speeds while remaining part of the same overall capital plan. 01 ### Assess Review the business, existing liabilities, requested facilities, transaction priorities, documentation, collateral and repayment capacity. 02 ### Structure Design the proposed capital stack, facility sizes, borrowers, repayment mechanics, security packages and lender-facing credit case. 03 ### Place Approach relevant capital providers, manage information flow, coordinate lender discussions and develop financing proposals. 04 ### Close Compare terms, support negotiations, coordinate diligence and documentation and manage outstanding workstreams through execution. A multi-facility programme should not be forced into an artificial closing date. Some facilities can move faster than others. The sequencing should reflect business priorities, lender requirements, documentation and the dependencies between each financing. ## Typical Programme Deliverables Deliverables depend on the mandate, but a full-scope programme can include: - Financing strategy and capital plan - Existing debt and maturity review - Debt-capacity assessment - Proposed capital structure - Facility sizing and sequencing - Borrower and SPV structuring considerations - Collateral and security mapping - Repayment-source analysis - Financial model review or development - Credit and financing memorandum - Lender presentation materials - Data-room preparation - Capital-provider universe - Controlled lender distribution - Lender Q&A management - Term-sheet comparison - Commercial negotiation support - Diligence coordination - Conditions-precedent tracking - Closing support ## Why Use One Mandate Instead of Several Unrelated Advisors? The principal advantage is coordination. One advisory team can maintain a consolidated view of debt capacity, lender discussions, collateral commitments, transaction priorities and financing documentation while individual specialists work on the relevant facilities. This can reduce duplicated diligence and prevent one financing process from unintentionally damaging another. It also gives management one central execution point for monitoring lender activity, financing proposals and outstanding transaction requirements. ### One Capital Strategy Every facility is considered against the company's broader financing objectives rather than optimised in isolation. ### Consistent Credit Information Lenders receive financial and transaction information built from the same underlying assumptions and reporting base. ### Coordinated Security Existing and proposed collateral commitments can be mapped before contradictory security packages are negotiated. ### Better Sequencing Facilities can be prioritised according to working-capital pressure, acquisition dates, construction milestones or refinancing maturities. ## Who Is This Designed For? Full-scope programmes are intended for established companies, corporate groups, sponsors, developers, asset owners, commodity traders and acquirers with material financing requirements that justify institutional underwriting and professional execution. They are particularly relevant when management is dealing with several financing events at the same time or expects capital requirements to develop over a defined expansion, acquisition or investment programme. Typical candidates have identifiable operating cash flow, contracts, assets, collateral or other supportable repayment sources together with sufficient financial information to withstand lender diligence. ## When a Full Programme Is Not Necessary Not every borrower needs a full-scope mandate. A company seeking one straightforward facility from an existing relationship bank may be better served by handling the transaction internally. The programme becomes more relevant when the capital requirement crosses several facilities, lenders, jurisdictions, entities, security packages or financing disciplines and management needs a central team responsible for structuring and execution. ## Why the Mandate Is Paid Considerable work takes place before a financing provider commits capital. Debt capacity has to be analysed. Facility structures need to be tested. Financial information must be prepared. Lender materials need to withstand credit review. Suitable capital providers must be identified and screened. Questions, revisions, diligence and negotiations then have to be managed. For that reason, full-scope programmes are undertaken as paid advisory mandates rather than success-fee-only lender introductions. The client retains an advisory and execution function to perform defined work regardless of when individual lenders make their credit decisions. Financing providers remain responsible for their own underwriting, credit approval, documentation and final commitment decisions. ## Frequently Asked Questions Does one programme require one lender? No. Different facilities can be placed with different banks, private credit funds, trade finance institutions, asset-based lenders or other capital providers. The programme coordinates the structures rather than forcing all requirements onto one balance sheet. Can the programme include both short-term and long-term finance? Yes. A programme can combine short-duration trade or working-capital facilities with acquisition debt, project finance, equipment financing or longer-term refinancing where the structures are commercially compatible. Do all facilities need to close at the same time? No. In many cases they should not. Facilities can be sequenced according to liquidity requirements, acquisition deadlines, project milestones, trading cycles or existing debt maturities. Can Financely replace an internal treasury or CFO team? The programme is designed to work alongside management, finance teams, treasury professionals, legal counsel and other advisers. Financely can act as the external structured finance and execution function responsible for organising and running the financing workstreams within the agreed mandate. Does Financely provide the capital directly? No. Financely acts as a structured finance adviser and arranger. Financing is provided by independent banks, private credit funds and other capital providers following their own underwriting, compliance and approval processes. What information is required to assess a programme? The starting point normally includes the existing debt schedule, requested financing facilities, use of proceeds, recent financial statements, forecasts, group structure, collateral information, relevant contracts and the expected timing of each capital requirement. ## Planning a Multi-Facility Financing Programme? Submit the current and anticipated financing requirements, facility sizes, use of proceeds, jurisdictions, repayment sources and available supporting documentation. Financely will assess the proposed mandate and determine the appropriate advisory and execution scope. [Request a Quote ](https://www.financely.io/requestaquote?ref=blog.financely.io) Disclaimer: Financely provides paid structured finance advisory, transaction preparation, capital-provider distribution and execution support on a best-efforts basis. Financely is not a bank and does not commit lender capital or guarantee financing. Financing remains subject to independent underwriting, KYC, AML and sanctions screening, financial and legal due diligence, credit approval, definitive documentation and satisfaction of applicable closing conditions.