How Our Offers Work
Most acquisitions are a single event: you sign, you get a check, you're done. Ours is structured differently. We'll offer the same purchase price, delivered as a seller note plus retained equity instead of a lump sum. Here's exactly how the two compare, with real math.
ILLUSTRATIVE EXAMPLE
Traditional Lump Sum
FSH Structure
(80% note, 20% equity)
Purchase Price
$3.0M (5x EBITDA)
$3.0M (same 5x EBITDA)
Cash At Closing
~$2.25M, once
(after ~25% effective tax)
$0
Payments Over Time
$0
~$2.85M over 5yr
(principal + interest on financed 80%, at 7%)
Ongoing Ownership
None - You're Out
20%, growing with the business
Equity Value in 5yr
None
~$1.06M
(at 12%/yr revenue growth, flat margin, 5x multiple)
Total Potential Value
~$2.25M
~$3.9M
For some, 0$ at closing is a deal-breaker. We understand. While we do have traditional financing options available, seller financing is our preferred deal structure. Every dollar using our structure arrives over time, through note payments, then eventually as equity value if and when the business grows or a future liquidity event occurs. In exchange, we keep the business name, the team, and you keep a stake in what comes next.
If you need cash now, our traditional structure isn't the right deal for you and we would rather you know that up front rather than after signing.
These figures are shown in nominal (future) dollars, not discounted to present value. A dollar in year 5 isn't worth the same as a dollar today. Run both scenarios through your CPA before comparing them directly; we're happy to sit in on that conversation.