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A health and fitness app · B2C · host's newly bought app

Buy an app at about 3x yearly earnings with a loan its income covers

Just closed: ~$350K, ~$5K/month payments vs ~$10K/month earnings

Unknownfinancingexit-ma

What they did

Bought an app earning about $10K/month (closer to profit than revenue) for roughly 3x annual earnings (~$350K). Financed with a 10-year loan at about $5K/month, so the app's current income covers payments. Structure: some cash, an earnout on revenue (not profit) milestones, and a deferred payment / seller's note. Risks found in diligence were used to negotiate the multiple. Josh's caveats: 10-year app life is optimistic; rule of thumb is that current revenue must cover loan payments; any growth pays the loan faster.

What happened

Deal closed the week of recording; results not yet known.
Stage
Exit (just acquired)
34:32
“So, literally, I just took I got a loan right now and, you know, we made a pretty decent purchase, and we got it for 350.”
Steve P. Young
“The app is making $10,000, my loan is only $5,000, why wouldn't I do this all the freaking time”
Steve P. Young
45:57
“the way we did our deal was cash, bit of cash, and then we did an earnout based off of like different milestones, revenue milestones, not profit, and then the deferred payment or a seller's note”
Steve P. Young

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