ANALYZE / STRUCTURE
PRICE IS ONLY ONE LEVER.
Coordinate buyer equity, senior debt, seller financing, earnouts, working capital, transition terms, contingencies, and risk allocation around a deal the business can actually carry.
A better structure can rescue a good business from a bad price conversation.
SOURCES & USES
Balance acquisition requirements against equity and seller capital.
TOTAL USES$1,545,000
EQUITY + SELLER NOTE$315,000
INDICATED SENIOR CAPITAL GAP$1,230,000
Illustrative calculations only. Not an appraisal, approval, lender quote, or recommendation. Verify financial statements, allowable adjustments, loan terms, and professional advice.
Deal Structure Builder // TOOL
Can the Deal Carry the Capital Stack?
CAPITAL STACK PLANNER$1,300,000SENIOR DEBT NEED
USES$1,600,000
NON-SENIOR SOURCES$300,000
DEBT NEED$1,300,000
Capital allocation only. Use Deal Reality Check to test debt service and coverage; this planner does not represent lender approval.
SELLER NOTE STRUCTURE
Estimate amortizing seller note obligations and their cash-flow effect.
ANNUAL SELLER NOTE SERVICE$33,266
MONTHLY PAYMENT$2,772
Illustrative calculations only. Not an appraisal, approval, lender quote, or recommendation. Verify financial statements, allowable adjustments, loan terms, and professional advice.
WORKING CAPITAL & RESERVES
Size post-close liquidity needs separately from the purchase price.
TOTAL REQUIRED$1,545,000
FUNDING AFTER EQUITY$1,370,000
Illustrative calculations only. Not an appraisal, approval, lender quote, or recommendation. Verify financial statements, allowable adjustments, loan terms, and professional advice.
DECISION INTELLIGENCE
Signals That Change the Decision
THE NEXT MOVE
MOVE THE DEAL FORWARD—OR KILL IT FOR A GOOD REASON.
Use the next layer only when the evidence earns it. Discovery should lead to analysis. Analysis should lead to financing, diligence, structure, or a disciplined no.