Financely is a structured finance advisory firm with hard skills in credit analysis, deal structuring, lender packaging, term sheet preparation, and capital provider distribution.
When lenders agree to provide financing, they don’t just hand over the money right away. They set certain conditions, called conditions precedent, that you need to meet first. A conditions precedent financing checklist is basically a detailed list of requirements borrowers must satisfy before a lender will release loan
When you apply for an SBA loan, your lender creates a detailed document that can make or break your approval. This document is called a credit memo. It serves as a complete financial profile of your business and shows the SBA why you qualify for the loan. A lender credit
Managing your company's cash flow can feel like a constant balancing act. You need to pay suppliers, hold inventory, and wait for customers to pay you. Cash conversion cycle financing helps businesses bridge the gap between when they spend money on operations and when they receive cash from
When you use assets as collateral for a loan, lenders want to know how much they could actually get if you default and they need to sell those assets fast. Liquidation value collateral is the estimated amount a lender expects to receive when selling pledged assets under time pressure, usually
When you need working capital but don’t want to take on traditional debt, receivable financing could be a practical solution. This method lets you turn unpaid invoices into quick cash by borrowing against your accounts receivable. The amount you can get hinges on the advance rate. That’s the
When you want to borrow money for your business and use inventory as collateral, lenders aren't going to hand over the full value of that inventory. An inventory advance rate is the percentage of your inventory's value that a lender will loan you—usually somewhere between
When you need financing for your business, lenders won't just hand you money based on a promise. They want security in the form of assets you own. A borrowing base calculation determines the maximum amount a lender will let you borrow by evaluating the value of your eligible
When you apply for a secured loan, lenders want to know if your collateral is actually worth enough to protect them if you can't pay back. That's where collateral coverage analysis comes in. Collateral coverage analysis is the process lenders use to compare the value of
Project finance deals can get complicated fast, with all the moving parts and paperwork involved. Getting the documents right isn’t just a formality—it’s what separates a successful deal from one that fizzles out. A complete project finance document checklist helps you gather all the legal agreements, financial
Large infrastructure projects—think power plants, toll roads, industrial facilities—need a mountain of cash to get off the ground. In project finance, "sources and uses" simply means where the money comes from and exactly how it’ll get spent during development and construction. This framework is the
Commercial real estate deals move large amounts of money from different places to specific purposes. A sources and uses statement is a financial document that lays out exactly where funding for a commercial real estate project comes from and how every dollar gets spent. This accounting tool helps investors, lenders,
Lenders make tough calls every day about who gets funding and on what terms. A financial model gives you a framework to forecast performance, assess risk, and back up those lending decisions with data. When you build or review a financial model for lending, you create a tool that predicts