Sample Acquisition Structure
What a Ruddify-backed deal actually looks like.
Numbers, not theory.
A representative capital stack for a $5M enterprise value acquisition of a service business with ~$1.2M EBITDA.
Enterprise value
$5.0M
EBITDA
$1.2M
Multiple
4.2x
Capital stack
SBA 7(a) loan
10-yr amortization, owner-operator guarantee
70%
$3.5M
Seller note
Standby, 5-yr, behind senior debt
15%
$0.75M
Ruddify equity (down payment)
Funded by Ruddify for qualified candidates
10%
$0.5M
Operator equity
Candidate's personal investment + sweat
5%
$0.25M
Operator outcome
Why this matters for you, the CEO.
Meaningful equity
You typically end up with 20–35% of the business at close, with earn-up to majority through performance.
Capped personal risk
Your personal check is real but bounded. SBA + Ruddify equity does the heavy lifting.
Aligned partners
Ruddify wins when you win. We're 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.
Want the full model?