Acquisition Finance

Acquisition of a Competitor Plumbing Business in the South West

£380,000 · 5 years · 7.50% fixed. The owner of a plumbing and heating business in Bristol identified an opportunity to acquire a retiring competitor - adding their customer base, six trained engineers, a fully equipped van fleet, and a maintenance.

Category
Acquisition Finance
Loan Amount
£380,000
Rate
7.50% fixed

The Client

Owner of a plumbing and heating business in Bristol

The Challenge

The owner of a plumbing and heating business in Bristol identified an opportunity to acquire a retiring competitor - adding their customer base, six trained engineers, a fully equipped van fleet, and a maintenance contract book valued at £280,000 per annum. The acquisition price was £480,000. The buyer had £100,000 equity and needed £380,000 of acquisition finance.

Our Solution

Doulton arranged a secured acquisition loan assessed primarily on the combined EBITDA of both businesses post-acquisition. The target's maintenance contract book - a highly visible recurring revenue stream - was central to the lending case. The loan was secured on the combined business assets and a personal guarantee from the owner.

The Outcome

Acquisition completed. Combined business now employing fourteen engineers. Annual maintenance contract revenue: £510,000 (buyer's own plus acquisition target). Loan being repaid comfortably from combined cash generation. Key highlights: Maintenance contract book - recurring revenue central to lending; Combined post-acquisition EBITDA used for affordability; 14 engineers and £510k recurring revenue in combined business.

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