Private Credit for SMEs: 3 Ways to Get Funded When Banks Say No
Private Credit for SMEs: 3 Ways to Get Funded When Banks Say No
Small and mid-sized businesses are the backbone of the economy — but they’re also the first to get rejected by banks. Whether it’s due to lack of collateral, short operating history, or the sector being labeled “high risk,” banks are quick to say no.
That’s where private credit comes in. This isn’t crowdfunding or peer-to-peer lending. We’re talking about structured funding backed by receivables, contracts, or performance — provided by actual funds and institutional capital.
1. Receivables-Based Lending
If you’ve delivered a product or service and issued an invoice, that’s a fundable asset. Private lenders will advance capital based on the value and creditworthiness of your buyers.
This is ideal for:
- Exporters waiting on delayed payments
- Service companies working with large corporates
- Wholesalers or distributors with long payment cycles
2. Contract Finance
Have a signed agreement to deliver a project or fulfill an order? Even if payment is due later, that contract can be monetized. Private credit funds will finance you against the performance of the deal — especially if the end buyer is reputable.
We’ve seen this work well in industries like:
- Construction and logistics
- Government supply contracts
- Event production, consulting, and creative services
3. SBLC-Backed Trade Finance
If your SME can arrange a standby letter of credit (SBLC), you can open the door to larger working capital facilities. Many private lenders will fund against the strength of the SBLC — whether it’s for trade, import/export, or bridging a procurement deal.
Need Capital But Tired of Getting Rejected?
Financely helps SMEs secure real funding from private credit funds — not banks. Whether you need $250K or $10M, we package the deal and match you with capital partners who understand your business model.
Submit Your Deal Book a 1:1 CallWhat Documents Help Speed Things Up?
- Copies of issued invoices or signed contracts
- 3–6 months of bank statements
- Proof of past payments or delivery history
You don’t need a 5-year audited financial to get funded — but you do need a clear story and clean paperwork. Financely helps with both.
We speak the language of private credit. We’ll help you get in front of lenders who are ready to fund real businesses, not just Fortune 500s.
Talk to Our TeamGet Started With Us
Submit Your Deal & Receive a Proposal Within 1-3 Working Days
Submit your deal using our secure intake form, and receive a quote within 1-3 business days. Existing clients can connect with their relationship manager through our secure web portal.
All submissions are
promptly reviewed, and all communications are conducted through the intake form or the client portal for a seamless and secure process.
Thank you for considering working with us. A nominal fee of US$500 is required upon completion of each form. This fee covers the time and effort we invest in reviewing your submission and crafting a thorough proposal. We receive numerous inquiries and prioritize those that carry this fee, ensuring serious applicants receive prompt attention.
Trade Finance
Tap into solutions like letters of credit, bank guarantees, and payment facilitation. We address the challenge of global transaction risk through structured strategies that foster cross-border growth. Complete the form to unlock streamlined funding aligned with your commercial objectives.
Submit a RequestProject Finance
Access non-recourse funding for infrastructure, renewable energy, or other capital-intensive ventures. We mitigate capital constraints by isolating project assets and focusing on risk management. Provide your details to receive a structure that drives growth and maximizes returns.
Submit a RequestAcquisitions
Secure financing for business or real estate acquisitions. We ease transaction hurdles by reviewing cash flow, synergy opportunities, and exit plans. Complete the form for a customized proposal that supports your strategic investment objectives.
Submit a RequestFor Banks
Financely assists banks facing Basel III pressures by distributing trade finance deals and providing collateral for letters of credit. We reduce capital burdens while preserving client relationships and fostering service expansion. Submit your request to optimize your trade finance offerings.
Submit a RequestOnce we receive your submission, our team will review your information to determine feasibility. If eligible, you will receive a proposal or term sheet within 1–3 business days. Visit our FAQ and Procedure pages for more information.
Disclaimer: Financely provides financing based on due diligence and feasibility. Approval is not guaranteed, and past performance does not predict future outcomes. All terms are subject to review. Financely primarily assists with structuring and distribution. Qualified parties carry out the project if the client approves the proposal.
