Notice. This page is informational and general in nature. FG Capital Advisors is not a bank or lender and does not accept client money. Any support is provided on a best-efforts basis and remains subject to diligence, compliance checks, definitive documentation, and third-party approvals. No funding, pricing, or timeline is guaranteed. Obtain independent legal and tax advice.
Full Scope Private Debt Advisory
Private debt is not “finding a lender.” It is underwriting, structuring, and running a controlled process to written outcomes. Deals stall when the story is soft, collateral is unclear, covenants don’t match the model, and the lender package is not decision-ready.
FG Capital Advisors provides full scope private debt advisory. We build the lender-ready file, match to the right credit funds and specialty lenders, and manage the term sheet workflow through closing, coordinated through suitable third-party providers where required.
Email Us to StartWhat We Mean by Full Scope
Full scope means we own the process end-to-end: data room build, underwriting memo, structure design, lender targeting, submission management, Q&A routing, term sheet comparison, and the closing workstreams. You get term sheets or written declines with clear reason codes, not endless “let’s hop on a call” loops.
Related internal pages: Sustainable Finance Structuring and Placement , Project Finance Debt Structuring , and Green Bond Advisory and Issuance Support.
What We Arrange
- Senior secured private credit. First lien, cashflow + collateral structures.
- Unitranche. One-doc solution blending senior and junior risk.
- Mezzanine and holdco debt. Structured around sponsor equity and distributions.
- Second lien and split collateral. When the senior stack is capacity constrained.
- Special situations. Complex credits requiring tighter controls and bespoke terms.
- Acquisition financing. Sponsor-backed M&A, add-ons, and platform builds.
- Refinancings. Maturity walls, covenant resets, and liquidity events.
- Working capital. Asset-based and hybrid solutions when cash conversion is the issue.
If your case is collateral-led, start here: Asset-Based Lending Advisory.
Our Process
| Step | What Happens | What You Receive |
|---|---|---|
| 1) Fit Screen | We review the transaction thesis, repayment sources, collateral, leverage tolerance, and timing. | Document checklist and a clear scope for the lender-ready pack. |
| 2) Underwrite and Structure | We pressure-test the story, build the model view lenders will use, and define covenant targets and controls. | Underwriting memo, sources and uses, debt schedule, collateral and controls summary. |
| 3) Target and Submit | We map the deal to lender boxes, run structured outreach, and manage submissions and lender Q&A. | Tracked submissions, lender feedback, and term sheet pipeline visibility. |
| 4) Term Sheets to Close | We compare term sheets, coordinate diligence workstreams, and run the closing tracker with counsel and counterparties. | Term sheet comparison matrix and a controlled path to closing. |
What Lenders Underwrite
Private credit investors are paid to be skeptical. They will focus on (1) repayment sources, (2) downside case, (3) collateral and control, and (4) legal enforceability.
- Cashflow quality. Concentration, churn, gross margin stability, and pricing power.
- Asset and security. Lien package, control accounts, and what can be liquidated in reality.
- Leverage and covenants. Cushion, definitions, and what triggers a lock-up.
- Management and execution risk. Track record and operational controls.
- Use of proceeds. Growth, acquisition, recap, capex, working capital, or refinance.
When You Should Hire Us
- You need a real lender process. Not introductions. A workflow to written outcomes.
- The deal is non-standard. Structure and documentation matter more than “story.”
- You have a clock. Acquisition close, refinancing, or liquidity deadline.
- You want leverage discipline. Covenant targets and control stack defined early.
If your financing is linked to acquisition execution, see: Mergers and Acquisitions Advisory.
Typical Deal Inputs We Ask For
- Financials. 3 years historical and YTD, plus forecast with assumptions.
- Debt and obligations. Current facilities, covenants, maturity schedule.
- Collateral. AR aging, inventory reports, appraisals where available, asset schedule.
- Transaction documents. LOI/APA for acquisitions, capex budgets, key contracts.
- Compliance. UBO details, corporate documents, source of funds narrative if needed.
FAQ
Do you guarantee funding or pricing?
No. We run a lender-grade process on a best-efforts basis, subject to diligence, compliance screening, definitive documentation, and lender approvals.
Do you work with pre-revenue companies?
Only in narrow cases where there is real collateral, contracted revenue, or a credible takeout. Most private debt mandates are post-revenue.
Is this only for sponsor-backed deals?
No. We support sponsor-backed and non-sponsored borrowers. The file still needs to be underwriteable.
What is the fastest way to move?
Send a clean summary: use of proceeds, requested size, leverage tolerance, collateral, and financials. We respond with a scoped checklist and process plan.
If you want a structured path to term sheets, email your transaction summary and financials. We will revert with scope, next steps, and what a lender-ready package needs to include.
Email Us to StartDisclosure. This content is for informational purposes and does not constitute legal, tax, accounting, or financial advice. FG Capital Advisors is not a bank or lender and does not accept client money. Any support is provided on a best-efforts basis and remains subject to third-party approvals, diligence, compliance checks, and definitive documentation. No funding, pricing, or timeline is guaranteed.
