Mechanics of an earnout? Alternatives to earnouts?

January 06, 2023
by a searcher in Burlington, VT, USA
I’m interested in acquiring a business that hasn’t proven to be profitable except in the last twelve months. They seem to have a promising backlog. However, I won’t be able to get conventional lenders to pony up the cash. I can leverage the real estate though to offer cash for the acquisition (it’ll be a bridge loan with no principal payments, just interest).
How can I structure the earnout, and what are the mechanics of it? For instance, if I offer an earnout, do I have to put the entire amount in escrow?
Ideally, I’d like to be able to refinance the debt each year they achieve the necessary results because I don’t have any cash to give except for what I can raise from the real estate.
Example Valuation: $10m
Year 1: $3m EBITDA achieved
Year 2: $3.5m EBITDA achieved
Year 3: $3.8m EBITDA achieved
How much should they be paid each year, and where does the money come from?
in New York, NY, USA
from Ivey Business School at Western University in Toronto, ON, Canada