AcquireFlow — Creative Deal Architect

📁 Deal Library

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—Break-Even EBITDA (Opt B)

—EBITDA / Revenue Margin

—Yr1 FCF (selected opt)

—Cash Runway

—WC Reserve

—Buyer Take-Home Pay

✓ SBA SOP 50 10 8 ⚡ Partial Standby: DSCR benefit only — not equity credit ✓ Full Standby only: Seller Note → equity credit (max 50%) ⚡ SBA Cap: $5M · Pari Passu for Excess ✓ Oakworth Tier 1 ≤$10M · Tier 2 ≤$25M

📋 4-Option Offer Comparison Matrix

Live side-by-side comparison — all values update instantly as you adjust the sidebar inputs

Metric

Option A

SBA 80/10/10

No Standby
Seller paid day 1

Option B

SBA 80/10/10

2-Yr Partial Standby
$0 Yr1 · IO Yr2 · P&I Yr3+

Option C

SBA 85/10/5

2-Yr Partial Standby
Higher leverage · Smaller note

Option D

Oakworth

75/10/10 + 5% Seller RE
Active Day 1 · No SBA Rules

Purchase Price

—

EBITDA Multiple (EV/EBITDA)

—

Revenue Multiple (EV/Rev)

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Primary Bank Loan

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Loan Amort. Term

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Pari Passu Loan

—

Oakworth Tier

—

Buyer Equity at Close

—

Seller Note

—

Note Standby Status

—

Earn-out

—

Consulting Agreement

—

Seller Rollover Equity

—

Annual Debt Service

—

DSCR

—

Post-Debt Free Cash Flow

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Cash-on-Cash Return

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Buyer Cash Injection

—

SBA Equity · SOP 50 10 8

—

Est. Closing Costs

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5-Yr Seller Walk-Away

—

Verdict

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📌 Select Active Scenario — controls health cards, Sources & Uses, Waterfall & IRR below:

A · SBA 80/10/10 No Standby B · SBA 80/10/10 Partial Standby C · SBA 85/10/5 Partial Standby D · Oakworth 75/10/10

DSCR (Active Scenario)

—

Annual DS: —

Calculating...

Total Deal Price

—

— × EBITDA

OpCo + RE

Buyer Cash Injection

—

Calculating...

Adj EBITDA

—

Debt Service Base

📊 Sources & Uses — Option B

Where every dollar comes from and where it goes · Working capital reserve included

Item	Amount	Note

📊 Seller 5-Year Walk-Away

Cumulative seller receipts by option — cash at close + note payments + consulting + earn-out + rollover

Option	At Close	+ Yr 1	+ Yr 2	+ Yr 3	+ Yr 4	+ Yr 5	5-Yr Total	Standby

🤖 AI Deal Advisor — Antigravity Integration

Copy the briefing below and paste it into Antigravity for custom structuring advice on this specific deal

Calculating...

💡 How to use: Click Copy above → paste into the Antigravity chat window → ask for creative structuring ideas, seller psychology analysis, or custom LOI language for this specific deal and seller.

🌊 14-Year Deal Waterfall — Option B

Year-by-year EBITDA growth · Full amortization · Exit valuation at every year · Market multiple auto-lookup

Line Item

📊 Exit Value Trajectory

Net Exit Value to Buyer

Cumulative Free Cash Flow (Retained)

🎯 DSCR Sensitivity Analysis

How each option performs if SDE declines from base — green ≥min DSCR, amber marginal, red unbankable

EBITDA Scenario	A 80/10/10 No Standby	B 80/10/10 2-Yr Standby	C 85/10/5 2-Yr Standby	D Oakworth Day 1

📈 Return on Investment — IRR & MOIC

Based on selected waterfall option — adjust Exit Year in the Projections tab

—Equity Invested

—Cumulative FCF

—Exit Value

—MOIC

—IRR

💡 MOIC (Multiple on Invested Capital) = total value returned ÷ equity invested. IRR = annualized return on that equity, accounting for timing of FCF and exit proceeds. Change the Exit Year slider in the Projections tab to model different hold periods.