RE: Premier — two paths


    After looking through everything, this could be a great fit if you're looking to grow the agency.

    I've run numbers on two viable paths — one with borrowing to finance the acquisition, one paying from current cash flow. Detail in the attached. Quick read:

    Path A — Finance. $1.2M acquisition cost. SBA-eligible. Cash outlay year 1 stays under $180k. Net agency cash flow positive by month 14. Higher upside, more leverage.

    Path B — Cash. Pay from operating cash, no debt. Year 1 reserves get tight (4 months runway vs your usual 9). Cleaner balance sheet. Better if rates climb.

    
    
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        Premier — Two paths.pdf
        2.4 MB · 6 pages · Includes 5-yr projection
      
      
        
      
    

    If you decide to make an offer, I'll loop in your CPA and attorney to get things in motion. Good luck.

    Kenny
Bravo 4 Financial