Acquisition Projections Builder
Year-1 DSCR
2
After the owner salary, the lender convention
Weakest-Year DSCR
2
The year a lender asks about first
Stressed at +2 Points
1.84
Weakest-year coverage if the floating rate steps up; lenders run this before approving
Free Cash, 5 Years
$995,284
After salary, debt, and the capex reserve
| Year | SDE | Debt Service | Free Cash | DSCR | Loan Balance |
|---|---|---|---|---|---|
| 1 | $510,000 | $205,215 | $179,285 | 2 | $1,262,744 |
| 2 | $520,200 | $205,215 | $188,975 | 2.05 | $1,167,303 |
| 3 | $530,604 | $205,215 | $198,859 | 2.1 | $1,062,909 |
| 4 | $541,216 | $205,215 | $208,941 | 2.15 | $948,722 |
| 5 | $552,040 | $205,215 | $219,224 | 2.2 | $823,824 |
Year One, Month by Month
Debt service is level while revenue is not. Pick the shape closest to the trade; the shapes are stated simplifications, not forecasts.
Months Running Negative
0
Months where the level debt and draw outrun the season
Deepest Cash Hole
$0
The working capital to have at close before the strong season repays it
| Month | SDE | Debt | Net | Cumulative |
|---|---|---|---|---|
| 1 | $42,500 | $17,101 | $14,940 | $14,940 |
| 2 | $42,500 | $17,101 | $14,940 | $29,881 |
| 3 | $42,500 | $17,101 | $14,940 | $44,821 |
| 4 | $42,500 | $17,101 | $14,940 | $59,762 |
| 5 | $42,500 | $17,101 | $14,940 | $74,702 |
| 6 | $42,500 | $17,101 | $14,940 | $89,643 |
| 7 | $42,500 | $17,101 | $14,940 | $104,583 |
| 8 | $42,500 | $17,101 | $14,940 | $119,523 |
| 9 | $42,500 | $17,101 | $14,940 | $134,464 |
| 10 | $42,500 | $17,101 | $14,940 | $149,404 |
| 11 | $42,500 | $17,101 | $14,940 | $164,345 |
| 12 | $42,500 | $17,101 | $14,940 | $179,285 |