Build Your Capital Stack
Our interactive calculator lets visitors model senior debt, mezzanine capital, seller notes, and equity contributions to see how each variable affects their acquisition or funding structure.
Interactive Capital Stack & Financing Engine
Adjust inputs below to simulate dynamic acquisition paydowns, JV revenue allocations, and debt refinancing metrics.
Deal Identity
Deal Terms
Ownership Trigger EBITDA
$1,000,000
Available Cash (65%)
$650,000
Cash Left in BigBang
$325,000
Applied to Seller Note
$325,000
Acquisition Strategy
Annual Revenue
$1,000,000
Operating Cost (15%)
$150,000
OntarioCo 70% Share
$595,000
Annual Acquisition Payment
$500,000
OntarioCo Annual Cash Left
$95,000
Max/6mo: $297,500
Refinance Test
Effective Refi Amount
$1,439,720
Cost of Capital
15.00%
BigBang EBITDA at Refi
$1,104,081
DSCR Test
1.75xAvailable cash ÷ annual debt service / 1.50x+ target = very good
Annual Debt Service
$411,010
EBITDA After Debt Service
$693,071
Acquisition Stack Summary Table
| Stack Component | Amount | Cumulative Total |
|---|---|---|
| OntarioCo Cash at Closing | $400,000 | $400,000 |
| DataCo New Revenue Principal Paydown | $1,544,995 | $1,944,995 |
| BigBang Principal Paydown | $615,285 | $2,560,280 |
| Seller Note at Refinance | $1,439,720 | $4,000,000 |
| Seller Interest Earned | $786,403 | – |
| Total Seller Receipts | $4,786,403 | $4,786,403 |
Purchase price is shown separately from seller interest. Interest is additional compensation earned by the seller for carrying the note.
Detailed Amortization Ledgers
| Date | BigBang EBITDA | Milestone | DataCo New Revenue | BigBang | Total Pay | Interest | Principal | OntarioCo Ownership | Seller Note |
|---|---|---|---|---|---|---|---|---|---|
| Jul 2027 | $1.01M | – | $0 | $0 | $0 | $0 | $0 | 10.00% | $3.60M |
| Jan 2028 | $1.02M | – | $250K | $0 | $250K | $108K | $142K | 13.55% | $3.46M |
| Jul 2028 | $1.03M | – | $250K | $0 | $250K | $104K | $146K | 17.21% | $3.31M |
| Jan 2029 | $1.04M | – | $250K | $0 | $250K | $99K | $151K | 20.97% | $3.16M |
| Jul 2029 | $1.05M | – | $250K | $0 | $250K | $95K | $155K | 24.85% | $3.01M |
| Jan 2030 | $1.06M | – | $250K | $0 | $250K | $90K | $160K | 28.85% | $2.85M |
| Jul 2030 | $1.07M | OWNERSHIP TRIGGER | $250K | $0 | $250K | $85K | $165K | 32.96% | $2.68M |
| Jan 2031 | $1.08M | – | $250K | $345K | $595K | $80K | $514K | 45.82% | $2.17M |
| Jul 2031 | $1.09M | – | $250K | $0 | $250K | $65K | $185K | 50.45% | $1.98M |
| Jan 2032 | $1.10M | REFINANCE TRIGGER | $250K | $352K | $602K | $59K | $542K | 64.01% | $1.44M |
For illustrative purposes only. Figures are based on user-entered assumptions and should not be relied upon as final financial, lending, investment, tax, or legal advice. This calculator and its methodology are proprietary to Keystone Capital Partners Inc.
Keystone Capital Partners Inc. | www.keystonecapitalpartners.ca