DEAL STRUCTURE BRAINSTORM - SBA, EARNOUTS, SELLER'S NOTES, ETC

I am in process of buying a business that had a poor 2019 and a record[redacted]Owner believes 2020 is sustainable, I"m concerned 2020 was simply 2019 carryover. What ideas do you have for deal structure where I can pay him for historical performance initially, then pay more in future if 2020 proves sustainable? Earnout was initial thought, but not allowable with SBA loan. Seller's note perhaps, but of course don't want to be obligated to pay if 2020 does not sustain. What other ways have you done this?



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