Business Financing

How to Access Debt Financing for Your Business

Accessing debt financing starts with a financeable request: a defined amount, use of proceeds, repayment source, security package and evidence that the business can service the debt. Lenders underwrite the numbers and the transaction, not the fundraising narrative.

Financely supports post-revenue companies through structured finance services and structured lender outreach.

Size the Debt Before Approaching Lenders

The company should model leverage, debt service, liquidity and downside performance. Acquisition, project, working-capital and asset-backed facilities use different sizing metrics, but each requires a clear view of how the debt is repaid.

Credit CaseAmount, purpose, repayment and downside protection.Data RoomFinancial, legal and transaction evidence.Lender ProcessTargeted outreach, terms and diligence management.

Prepare a Credit-Ready File

Typical materials include financial statements, management accounts, forecasts, debt schedules, ownership information, use-of-proceeds detail, material contracts and a data room. The lender should be able to reconcile the requested facility to the business plan and cash flow.

Run a Targeted Lender Process

Banks, private credit funds, asset-based lenders and specialty financiers have different mandates. A controlled process compares written terms across pricing, leverage, amortization, collateral, covenants and execution certainty.

Debt is easier to raise when the request is specific

“We need capital to grow” is not a credit case. “We need a $5 million revolver to fund receivables generated by contracted sales” gives a lender something to underwrite.

Frequently Asked Questions

What revenue level is needed for institutional debt?

It depends on product and lender. Financely generally focuses on established, post-revenue businesses rather than pre-revenue consumer or startup credit.

Do I need collateral?

Not always. Some facilities are cash-flow based, while others require receivables, inventory, property or other security.

How do I engage Financely?

Begin with the paid structured debt intake so the request can be reviewed and scoped before outreach.

Discuss a Financing Mandate With Financely

For companies with a defined trade, project or business financing requirement, Financely can review the transaction, structure the lender case and run targeted institutional outreach under a paid engagement.

Start Your EngagementFinancely provides paid advisory and transaction execution support. Financely is not a direct lender and does not guarantee lender interest, pricing, approval or closing. Third-party financial institutions make independent KYC, compliance and credit decisions.