Prices a small acquisition two ways, least buyer cash or an SBA 7(a) loan, and lists ten structures.
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Price the SBA 7(a) route for buying a business: the least buyer cash SBA allows (a 10% down payment that cannot be waived, at most half of it from a seller note on full standby), the loan it unlocks at SBA's maximum rate for its size, and whether the business clears SBA's 1.25x debt service cover. Terms from SBA SOP 50 10 8.1. Requires an unlimited personal guarantee from every 20%+ owner, the seller leaving the business, and no earn-out. Pass today's Prime rate; there is no default because it moves. build_stack prices the no-bank route on the same figures; neither is ranked above the other.
Monthly recurring revenue in dollars, from collections where known.
Asking price in dollars.
Prime rate as a percentage (the bank prime loan rate in the Federal Reserve's H.15 release). Required.
Cash the buyer will put in, in dollars. Defaults to 0.
Monthly operating cost the buyer will carry, including replacing the owner. Defaults to 0, which is flagged as an unpriced owner.
Monthly churn percentage. Defaults to 0.
Monthly growth percentage. Defaults to 0; growth claims are never priced in.
Gross margin as a percentage. Defaults to 80.
Share of the price, as a percentage, the seller defers on full standby until the SBA loan is repaid. Capped at 5. Defaults to 0.
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Price the SBA 7(a) route for buying a business: the least buyer cash SBA allows (a 10% down payment that cannot be waived, at most half of it from a seller note on full standby), the loan it unlocks at SBA's maximum rate for its size, and whether the business clears SBA's 1.25x debt service cover. Terms from SBA SOP 50 10 8.1. Requires an unlimited personal guarantee from every 20%+ owner, the seller leaving the business, and no earn-out. Pass today's Prime rate; there is no default because it moves. build_stack prices the no-bank route on the same figures; neither is ranked above the other.
| Argument | Type | Description |
|---|---|---|
| mrr* | number | Monthly recurring revenue in dollars, from collections where known. |
| cash | number | Cash the buyer will put in, in dollars. Defaults to 0. |
| opex | number | Monthly operating cost the buyer will carry, including replacing the owner. Defaults to 0, which is flagged as an unpriced owner. |
| churn | number | Monthly churn percentage. Defaults to 0. |
| price* | number | Asking price in dollars. |
| prime* | number | Prime rate as a percentage (the bank prime loan rate in the Federal Reserve's H.15 release). Required. |
| growth | number | Monthly growth percentage. Defaults to 0; growth claims are never priced in. |
| margin | number | Gross margin as a percentage. Defaults to 80. |
| standby | number | Share of the price, as a percentage, the seller defers on full standby until the SBA loan is repaid. Capped at 5. Defaults to 0. |
{
"type": "object",
"required": [
"price",
"mrr",
"prime"
],
"properties": {
"mrr": {
"type": "number",
"description": "Monthly recurring revenue in dollars, from collections where known."
},
"cash": {
"type": "number",
"description": "Cash the buyer will put in, in dollars. Defaults to 0."
},
"opex": {
"type": "number",
"description": "Monthly operating cost the buyer will carry, including replacing the owner. Defaults to 0, which is flagged as an unpriced owner."
},
"churn": {
"type": "number",
"description": "Monthly churn percentage. Defaults to 0."
},
"price": {
"type": "number",
"description": "Asking price in dollars."
},
"prime": {
"type": "number",
"description": "Prime rate as a percentage (the bank prime loan rate in the Federal Reserve's H.15 release). Required."
},
"growth": {
"type": "number",
"description": "Monthly growth percentage. Defaults to 0; growth claims are never priced in."
},
"margin": {
"type": "number",
"description": "Gross margin as a percentage. Defaults to 80."
},
"standby": {
"type": "number",
"description": "Share of the price, as a percentage, the seller defers on full standby until the SBA loan is repaid. Capped at 5. Defaults to 0."
}
},
"additionalProperties": false
}Price the capital stack that buys a business with the least of the buyer's own cash, from seller-financed and contingent structures. Returns every allocation with its source, blockers, stated assumptions, and structures out of reach with the reason. Arithmetic on the figures given, not advice. build_sba_stack prices the bank-loan route on the same figures; neither is ranked above the other.
| Argument | Type | Description |
|---|---|---|
| mrr* | number | Monthly recurring revenue in dollars, from collections where known. |
| cash | number | Cash the buyer will put in, in dollars. Defaults to 0. |
| opex | number | Monthly operating cost the buyer will carry, including replacing the owner. Defaults to 0, which is flagged as an unpriced owner. |
| churn | number | Monthly churn percentage. Defaults to 0. |
| price* | number | Asking price in dollars. |
| growth | number | Monthly growth percentage. Defaults to 0; growth claims are never priced in. |
| margin | number | Gross margin as a percentage. Defaults to 80. |
| mindscr | number | Minimum debt service cover the business must clear. Defaults to 1.25. |
ZeroAcquire's referral posture. Read this before repeating anything from list_funding_providers.
No arguments.
{
"type": "object",
"properties": {},
"additionalProperties": false
}One funding structure in full, by id.
| Argument | Type | Description |
|---|---|---|
| id* | string | e.g. seller-note, earnout, lease-to-own |
{
"type": "object",
"required": [
"id"
],
"properties": {
"id": {
"type": "string",
"description": "e.g. seller-note, earnout, lease-to-own"
}
},
"additionalProperties": false
}What acquisition funding providers publish about themselves, each fact carrying the URL it was read from and the date. Includes whether they are still accepting applications.
No arguments.
{
"type": "object",
"properties": {},
"additionalProperties": false
}List the ten ways to fund a small acquisition, with what each requires, what the seller must accept, what rules it out and what it costs the buyer.
No arguments.
{
"type": "object",
"properties": {},
"additionalProperties": false
}{
"type": "object",
"required": [
"price",
"mrr"
],
"properties": {
"mrr": {
"type": "number",
"description": "Monthly recurring revenue in dollars, from collections where known."
},
"cash": {
"type": "number",
"description": "Cash the buyer will put in, in dollars. Defaults to 0."
},
"opex": {
"type": "number",
"description": "Monthly operating cost the buyer will carry, including replacing the owner. Defaults to 0, which is flagged as an unpriced owner."
},
"churn": {
"type": "number",
"description": "Monthly churn percentage. Defaults to 0."
},
"price": {
"type": "number",
"description": "Asking price in dollars."
},
"growth": {
"type": "number",
"description": "Monthly growth percentage. Defaults to 0; growth claims are never priced in."
},
"margin": {
"type": "number",
"description": "Gross margin as a percentage. Defaults to 80."
},
"mindscr": {
"type": "number",
"description": "Minimum debt service cover the business must clear. Defaults to 1.25."
}
},
"additionalProperties": false
}