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Sample Deal Structures

How deals get funded

Below are illustrative, anonymized deal structures showing how acquisitions in the $500K–$25M range are typically financed. Actual terms vary by lender and file — every structure below was stress-tested for financeability before submission.

$700K — Wellness clinic acquisitionOntario · CSBFL-led

First-time buyer, strong operator, thin collateral. Needed a structure a senior lender would approve without delay.

  • CSBFL term loan$560K
  • Vendor take-back$56K
  • Buyer equity$84K
  • Working-capital line$150K

Why it works: A clean structure with a fast lender-approval path.

$1.4M — Home-services companyGTA · CSBFL + VTB

Recurring-revenue maintenance contracts made this an ideal CSBFL candidate; the seller stayed on briefly to transition key accounts.

  • CSBFL term loan$840K
  • Vendor take-back$280K
  • Buyer equity$280K

Why it works: The seller transition secures the contracts; the buyer steps into day-one cash flow.

$3.2M — Metal fabrication exitOntario · Bank term + VTB

Founder ready to exit after three decades. The buyer needed the price bridged without over-leveraging day one.

  • Bank term loan$2.08M
  • Vendor take-back$640K
  • Buyer equity$480K
  • ABL revolverOn receivables & inventory

Why it works: The seller reaches full valuation without over-leveraging the buyer.

$5.5M — Precision parts manufacturerOntario · Senior debt + ABL

Strategic buyer acquiring a complementary product line. Hard assets and contracted backlog supported a senior-led stack.

  • Senior bank term$3.3M
  • ABL revolver$800K
  • Vendor take-back$550K
  • Buyer equity$850K

Why it works: Hard assets and contracted backlog support a senior-led stack, DSCR stress-tested before submission.

$8M — Multi-location care groupCanada · Senior + Mezzanine

Regional group with professional management in place. Required layered capital to reach full enterprise value.

  • Senior debt$4.4M
  • Mezzanine$1.2M
  • Vendor take-back$800K
  • Buyer equity$1.6M
  • Operating lineDay-one liquidity

Why it works: Layered capital reaches full enterprise value while management continuity is preserved.

Illustrative, anonymized structures. Actual terms vary by lender and file. Company names and identifying details are withheld for confidentiality.

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Ravisha@capitalconclave.com

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