Bootstrapped SaaS Dividend Recapitalization Solver

Underwrite pulling multi-million dollar liquidity off the table using recurring revenue debt financing (SaaS Capital / CIBC), avoiding equity dilution, and paying down debt via free cash flow.

SaaS ARR & Debt Multiple

Company Annual Recurring Revenue (ARR $)

Recurring Revenue Debt Leverage Multiple (e.g. 2.5x ARR)

Free Cash Flow Margin (% for debt service)

Founder Dividend & Amortization

Upfront Founder Tax-Free / Dividend Liquidity Check

$8,750,000 Upfront Cash

Annual Free Cash Flow for Debt Service

$1,120,000 / yr FCF

Company Equity Retained by Founders

100% Equity Retained (Zero Dilution)