WEEKLY
Exceptions
Exceptions, cash runway and customer health.
~/revuity/group / LENDERS & ADVISORS
DISCIPLINE YOU CAN UNDERWRITE.
Brokers, lenders and counsel should see how a buyer thinks before a file reaches them. Our screening, diligence and reporting standards are set out here, and the same material is available as a downloadable brief.
// diligence minimum
Four reviews,
before any close.
Each target would get its own price, debt schedule and lender analysis, and none of these reviews is intended to be waived to reach a close.
01 / FINANCIALThree years of tax returns, bank-to-ledger reconciliation, normalized owner earnings, debt, working capital, customer-level revenue, capex and tax exposure.
02 / OPERATIONALOrganization chart, employee retention, vendor concentration, licensing, service and quality records, owner responsibilities and security posture.
03 / COMMERCIALContracts, renewals, churn, pricing power, competitive substitution and customer concentration.
04 / LEGALEntity structure, liens, litigation, assignability, data and privacy obligations, and transaction-specific review.
// screening math, illustrative
Coverage before
any story.
Illustrative figures only, and not an actual target. A simplified 1.56x coverage ratio is the start of stress testing: a 20% revenue decline, owner transition, taxes, capex spikes, lease terms, covenants and lender requirements.
| Cash-flow bridge | Illustrative annual amount |
|---|---|
| Owner-adjusted earnings (SDE-style starting point) | $130,000 |
| Less replacement operator at market-rate management | ($65,000) |
| Less maintenance capex and operating adjustments | ($12,000) |
| Pre-financing available cash (simplified) | $53,000 |
| Illustrative annual loan and debt service | ($34,000) |
| Coverage ratio, $53,000 / $34,000 | 1.56x pre-tax, excluding working-capital swings |
// reporting cadence
The same numbers,
on a fixed rhythm.
SBA 7(a) may support qualifying changes of ownership, with eligibility and terms set by borrower, transaction and lender. Revuity Group Holdings has not applied for or been offered financing, and our plan assumes no acquisition closes until capital and financeability are verified.
MONTHLY
Economics
Unit economics, operator time and capital review.
QUARTERLY
Decisions
Ownership decisions, hurdle rates and capital allocation.
// proposed accountability map
Named people,
defined decision rights.
Every business we come to own is intended to keep a human operator answerable for customers, finances and compliance.
PARENT LEADOwnership thesis, system standards, capital approvals, risk appetite and escalations.
BUSINESS OPERATORCustomer outcomes, staff and vendors, daily financial controls, incidents and compliance.
FINANCE / CONTROLLERMonthly close, bank reconciliation, intercompany ledger, cash forecasts and covenant tracking.
TECHNICAL OWNERTool access, reliability, deployments, audit logs, security and recovery.
LEGAL SPECIALISTSEntity transactions, securities, employment, privacy and contract sign-off.