Sample Acquisition Structure
What a Ruddify-backed deal actually looks like.
Numbers, not theory.
A representative capital stack for a $2.4M enterprise value acquisition of a service business with ~$0.8M EBITDA.
Enterprise value
$2.4M
EBITDA
$0.8M
Multiple
3.0x
Capital stack
SBA 7(a) loan
10-yr amortization, owner-operator guarantee
90%
$2.16M
Seller note
Standby, 5-yr, behind senior debt
5%
$0.12M
Ruddify downpayment
Funded by Ruddify for qualified candidates
5%
$0.12M
Operator downpayment
No personal cash required at close for this illustrative structure
0%
$0
Ownership at close
Who owns what after the deal.
Ruddify
Equity stake for providing down-payment capital and program support
19.99%
Other capital partners
Reserved for additional equity or working-capital partners, if needed
Up to 10%
Operator ownership
You own and operate the business day-to-day
70.01% – 80.01%
Operator outcome
Why this matters for you, the CEO.
Majority ownership
You control the business from day one, with 70.01%–80.01% operator ownership at close.
No personal downpayment
This illustrative structure requires $0 personal cash at close; the SBA and Ruddify downpayment do the heavy lifting.
Aligned partners
Ruddify wins when you win. We are long-hold partners, not flip-and-exit investors.
Illustrative only. Actual structure varies by deal size, candidate profile, lender terms, and seller preferences. Not an offer of securities.
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