I forgot to record.

Okay. Yes, I can see it.

Okay. So, uh, yes, to answer your question mouse and you’re, you’re on mute. If you’re speaking, I don’t know if you’re speaking, but mouse over a quick open.

Okay, yeah, I see it now. There we go. And that’s how you see. Yeah, that’s how you see the different things that, that they do. Oh, it’s on the front. See, I was clicking on the back. I didn’t see. Oh, yeah. Oh, perfect. Okay. And that’s for each. Okay. Got it. Exactly. So, and that really, that document really carries everything because if they start doing the work and then they’re confused, the beauty is they ask you or if they, if you don’t know, or they don’t know, then they start asking us anyway via support.

So it’s like. So, it’s everything’s already we already thought of all the cases and everything. So, uh, that actually just just give that to the, uh, to the assistant and then and then we can start working with you. Okay. All right. Perfect. And then the last thing full disclosure. The last thing is that we’re actually updating that because, uh, you know, the go high level thing wasn’t really.

Included in that. So we’re just going to add it as an option to say if the founder wants to use go I level, uh, then we give the instructions to do a level. If not, then we give the instructions on how not to do go. I level. So that’s the last. That’s the only just to be transparent there. That’s the only thing that we haven’t added because it’s a new level is kind of a newer thing that we started changing to.

So, yeah. Okay, so to go high level, uh, it’s what the assistant help setting that up. Yeah, because we, we, we wanted to do it manually. Like, it was just me doing it manually with. You know, we started with around 8 members and then after now, we have 8 members that are doing it. So we’re just going to put it in the instructions now, like, all the different steps, how they should structure to go.

I level, like, how to set up, you know, all the details and that the technical details. So, um, so I’m actually personally going to finish that today just so that you have that there. If you decide to go and go, I level so that we can send emails using that. Okay, perfect.

Cool. Now, anything else before I hop onto the next one? No, I’m good for right now. Thanks. Awesome. No, no worries. All right, sir. Derek, how’s it going?

Good, how are you doing? Pretty good. Things are going in the right direction, slowly but surely. So everything is good on our side. Well, that’s good. That’s good. Um, I mean, my updates, uh, had a super busy week with some clients and stuff like that. So I’m getting… Um, the rest of the stuff over to Sean, I do, I did not have time to follow up with it cause it completely skipped my mind, but, uh, sheesh, but I’m gonna call them today, um, one, one, one of my clients, uh, and I’m calling me after our last call and, you know, you just get kind of thrown off.

All right. Yeah. So, um, and then I had, uh, you know, we ended up going to Puerto Rico to meet a meet with, uh, One of the bank sales was sale and everything. So, um, so, you know, that, that, that, that, that, that was interesting and everything. So, um, but there’s, but that’s quite a big, there’s quite a few banks that are down the sale.

Um, and everything, so we were looking at that one and a couple of them, but I mean, it was a good conversation. Just, you know, interesting because you know, brokers. Yeah, yeah, no, um, well, I mean, purely one of the best, one of the best associates we ever introduced anyone to. So, um, no, he’s the real deal. And if there’s anything where you need some more contacts, I will be happy to try to connect more.

But when those are really, uh, you know, we just have a lot of other members. So, uh, but if there’s anything where you need, you know, some more warm contacts, or, uh, you need any custom help, like, perhaps you just let us know via email and then we’ll try to take care of it as however we can. But it’s good to hear that at least you’re following up with them.

Yeah. Yeah. Um, and you know, I think, uh, I mean, I know I wanted to put together the, uh, investor site. So, I mean, we’re gonna be putting together, um, well, relaunching our, um, our, uh, pre signup site. So it’s kind of like, you know, invest, take a look,

sorry, the audio cut off as well. So that’s something that we’re working on as well. Since, you know, since you brought it up to Kevin, Kevin. Um, and everything is like, Oh, yeah, yeah, this stuff is something that, you know, that we’re going to work on and everything. Yeah. Yeah. So as well, I couldn’t really hear the beginning of what you said because the audio cut off.

If you could help me. Oh, oh, I’m sorry. Hold on. Let me disconnect my outside. I’m leaving. I have to go to an appointment. Um, so I’m leaving the house. Let me disconnect my Wi Fi. Okay. Okay. Is that a little better? Yeah, much better. Okay. Yeah. I was just saying that, um, we were, so we were relaunching our, you know, pre signup site for the bank.

And with that, we was also going to have like an investor page, you know, just kind of tell, you know, like, Hey, what we’re doing, what we’re raising, you know, kind of like the, the, all the deets and everything. So I was just mentioning that because you brought it up to Kevin. And everything. So that’s, that’s, that’s one reason why I was bringing it up.

Um, yeah, yeah, definitely following up with, uh, with Ashish and, um, today, um, I am sending over information to, uh, cause Sean wanted me to send over, you know, resume. Uh pitch deck stuff like that. So i’m saying that over to him My wife is just kind of cleaning up her resume or just kind of going over just to you know Make sure she she has what she feels is uh relevant on her resume good Yeah, and just emphasize uh, you really want to sell that that’s That site like that’s expertise and you want to really sell that Uh, you want to really sell that, um, I almost say almost, almost oversell like substantiates oversell and substantiate oversell and substantiate.

So I think go aggressive. Okay. Okay. You’re not, you’re not like lying. You’re just, you’re just, you’re just making bold claims and then you’re giving proof for those bold claims. That’s all you’re doing. Right. Right. Right. Right. Um, and so I, yeah, I finished the financials. Um, So I, and I made a couple of different ones.

So I made a, so you have the general financials from like, Oh, this is what the business is going to do or project the business is going to do in general, given the numbers. So I have it like, Oh, how many subscribers we have, or I’m sorry, members we have. What’s the average spin going to be, uh, what we think we’ll do on the investment bank side, sorry.

I’m sounding out of breath. Well, no, it was a really big heel. Yeah. Um, and then, uh, uh, of course with the proprietary trading, um, stuff. So, so the three legs that we believe that we will, uh, uh, you know, be most of our revenue drivers. So, so we, we have that, that stuff down and one financial model. Did we have an investor return one where it’s kind of like, Oh, you know, it calculates the investors projected return if we hit these numbers.

So if we hit these numbers. You know, your 20 million investment will go, will grow from, you know, 20 million to 75 or, you know, whatever it is. Right. Um, and I kind of modeled out, modeled out, uh, from a debt side. Oh, you know, if you just look at it from like a debt perspective, we used to do this, you have this mineral type of return that we’ll buy you out at, because we have to do it in equity form, but you can structure it like it’s, you know, with a stock repurchase agreements, things like that.

And do you have one where it’s like his pure equity was like, you know, you’re in for the long haul. So at year five, this is what we’re, you know, this is what your investment should be worth just in general. So, um, yeah, yeah, I mean, you know, that for the most part, that’s really it just, um, You know have the financials they’re done so, uh building out the site for the retail, um Client and and going to add investor page to it as well.

Um following up with the sheesh and um Sending over the information to sean okay, the only question I have about the financials like this is still for this is for the I guess the The one that doesn’t have the details of a specific bank that you’d like to acquire. And then you fill that in later. Is that is that the I’m sorry.

Could you repeat that? I couldn’t sure. So, the financial model you’re talking about, is that the financial model that is open for any type of bank that you want to buy? And then you fill in the details later, like, kind of the assumptions later, or is that for a specific bank? Oh, no, no, no. It’s in general.

Okay. It’s like the banks, the banks that we’re looking at, um. All the, the, the debt that would be currently, you know, the obligations and stuff like that, it’s kind of built in. So I kind of have it as like, Oh, we’re going to carve out the loan portfolio. You know, Oh, you know, we might keep it, but we’re going to, you know, we’ll carve it out.

We might get rid of some of the, you know, might get rid of some of the clients, the depositors and stuff like that, just like it’s basically whatever bank we buy, we will basically want to start over. Everything, but it does have the, I do have the general expenses of like, cause we, cause we were renegotiate, uh, leases and stuff like that.

So like in, in the, in the terms, uh, in the terms of the purchase agreement, you know, we could renegotiate or completely get out of the lease. That’s the, um, the, uh, uh, you know, that’s, that’s up to, to the investor, uh, the seller. You know, you know, the kind of have that the, um, the core banking system that right there will probably keep.

But then later on down the line, we would, um, you know, uh, you know, either. Get rid of it, but like, because we’ll build our own, so it’d be cheaper to just get out of it and just pay the rest of it, then just continue to run it, because every time, you know, there’s a transaction, you have more and more costs on top of this, so you might as well just buy out of the contract later on.

So we do have that, that modeled into it. Um, as well as some, you know, and then we, we start off with, uh, the salaries of the, because you got to have four, at least four employees. So we kind of added, added that into it as well. But I mean, other than that, for the most part, that’s pretty much it because you start from scratch.

Um, it doesn’t cost us anything for the FDIC insurance because the way we’re going to go or the way we’re going to go by about it. And everything. So, I mean, for the most part, you know, you have the first three to four months. Sorry. Yeah. First. Yeah, three or four months. That is, um, that, of course, there’s laws lose because we’re not making, we’re not generating any money because we’ve got our own board clients and, and, and all the other stuff.

So, um, I mean, I, I think you’re still shared things. So you can always take a look at the model if you wanted to, of course, it should still be where you can still have access to it. If not, just, you know, um, I can always just, you know, give you access. Okay, I’m going to personally take a look. I mean, my, my capacity obviously is, uh, like I reach a limit at some point.

Yeah, for sure, for sure. That’s what I say if you want. Yeah, and I’ll take a, I’ll take a look, but, uh, but I mean, in terms of me, uh, yeah, it’s either David, like, if you want to talk about, like. You know, something tangible with okay, like, what is the what is the IRR? What is the market value? Like, you know, it’s just them because they’re the ones, uh, but no, like, I’m curious.

I’m seeing how the thing looks like from a high level because I’m just more top down and saying, okay, so then the point is, we know, we know what we’re asking for the bank. We know what the IRR cash and cash is. And then everything else is really just a way for me to get to that answer. So I’m just looking at those, those four or five numbers.

Yeah, yeah, yeah. And like I said, I have, I have two investor side was kind of like, Oh, it’s debt. Um, let’s say we wanted to raise the 20 million strictly out of debt. But again, doing it in the equity way, uh, you know, we, we would do that through using the, uh, the parent company, the holding company and everything, you know, kind of, you know, and everything.

Well, and one thing is I’m generally a fan of like, I hate to say it in this market, but honestly, I’m generally a fan of raising as much debt as raising debt is just quicker. So, yeah, it is, you know, it’s just quicker. So, like, we’re always going to need the equity, but if you have the opportunity to raise more debts and then a small amount of equity, I’m just for it because.

Sometimes it just makes the offer more profitable anyway, so It does it does. Yeah, you have most time most often. It just makes it more profitable. Anyways, you know, yeah Yeah, so I mean I guess with you know, i’ll continue, you know, we’ll you know, i’ll work with sean I’ll follow with dashis and hope to aim to work with him and everything but yeah, I mean that that’s kind of how i’m thinking about it because we would like to You know, eventually be able to buy someone out.

So it was much easier to do that when there’s like, Oh, then equity wise, they’re not super invested into it. That, you know, they don’t have, you know, 20 million in equity in it, but they got like maybe 5 15 and debt and stuff like that. We pay off the debt and then you can, you know, you can. You can deal with someone who’s like a super minority partner, you know, you know, in it like that and then buy them out later, you know, that, you know, that’s the goal here and everything.

So, if anything, I think maybe I’ll see and I’ll update you maybe in the next week or two regarding if we need, let’s say, introductions to, let’s say, more people who are focused on that. Because I’m not, because I know Sean and Ashish and Brad, uh, they’re mainly, I think, on the equity side. Or at least Ashish and Sean is, you know, and everything so, um, but, but, but again, I’m, I’m, I was, uh, when I was talking to Sean, he wants me to do a search fund.

Yeah. I’m more leaning towards debt. So it’s kind of like, you know, well, how about we kind of meet in the middle round, you know, somewhere and everything. So, well, I mean, it’s music to my ears because it’s not hard for us to find, find some good debt people. Like, uh, I almost like to say they’re almost a dime a dozen to us.

So, um, Yeah, you’re one of the first people that said okay, we have too many equity people. So so let’s Happy to do that. Just just if and whenever then just notify us via email or you can even fill it out again And then and then I mean there’s paula joy because the thing is that there are a lot of people that are fund managers like abdiel who you raised a fund with us and Back in one of the earliest customers I think he’s like the second customer or something and paula joy came later on they have their own lending programs.

Eh, so like Uh, yeah, they’re they’re there and they have their own lending program. So check that out and uh, but when the time comes we’ll um, We’ll introduce and get cool from there. Yeah. Yeah like I said I’ve been thinking of a couple different structures like even if we go at it from a debt perspective like If, um, you know, acquire a bank, the bank not, might not have too many assets, um, per se, but I mean, you could do like a a, um, what it, a collateral pledge.

So for every loan we make and stuff like that, you know, you kind of, you know, you, you pledge some of the, uh, you know, a portion of the, um, asset to, you know, you know, to them and everything. Um, until until they’re fully covered. So, I mean, if we were to borrow, let’s say 20 million, but, you know, with the deposit that we have and everything we, you know, have a loan portfolio of 60 million, it’s easier to assign kind of break down the value.

And for the 20 minutes to have them fully covered and stuff like that, you know, just, just, you know, what, what, I mean, that’s, that’s, I mean, the debt side, I’m really, I’m, I’m, I’m good at regarding structuring so long as the, you know, the lender of course is open to conversations and stuff like that, you know, so that, that, that, that part can be easily figured out, but yeah, I’ll keep you updated though, but thank you so much for your time.

I appreciate it. No, no worries. It’s always a pleasure working with you. So, so no worries at all. So it’s good to see you. All right, cool. Cool. Well, I’m gonna hop off because I have to get on the train, but uh, good luck to everyone. Thank you. Safe travels. Yep. All right. Bye. Bye. Tomorrow. How’s it going?

Pretty good. Uh, I’m fixing the feedback you gave to me. So I sent it to the person. He’s fixing that. Um, I’m ready probably next week, uh, onwards, uh, with the guy to start the conversations. So what will be the next steps? Uh, do I need to do anything or, uh, can you walk me through, uh, on that? The next steps like once we get the go high level up and running everything.

Yeah, yeah. So then the next steps would be so I don’t have to CRM in front of me. Have you already? You already asked for the introduction for a few introductions, right? You’ve already done that. Like, I think that was like a month or two ago, right? Yeah, I got a few introduction. Some of them are successful goals.

Like, as I mentioned, right, some of them want to do a debt debt more than the equity. Only one or two guys were talking about the equity side. Uh, I would like them, I would probably reach out them back and ask, Hey, I’m doing this thing. What do you guys think? So the, uh, that’s why I was trying to get the numbers and everything.

So I put it like kind of a pitch deck. And I’ll send it to you, uh, that that piece. So that way, you can tell me, hey, you’re not what we need to change some things. So we can do that. Uh, once I put together. Okay, got it. You know, writing things, writing things down has always been a game changer. So. Uh, yeah, next up is we did get some last last we discussed.

We did find some new equity relationships. So what we can do, we can just introduce you. But the thing is that some of them are kind of, uh. The only problem is some of them, they like big deals. So, I mean, usually when you get to that 25, 2025, you know, then, you know, but we have, we have at least a few people.

So then, you know, 1st step would be. So for tomorrow, so tomorrow, this is you and this, this is me slash raises. com. So on YouTube, so just re re engage, hold intros, provide new intros, equity. So that’s 1 number 2 would be to, yeah, to go into the race to come session instructions and getting

the race to come instructions. And then from there, that seems to take care of a lot of it. Like, because what they’re doing specifically, they are going to log into the accounts. They’re going to the investor database, and then they’re sending the emails. So then there are 2 ways of sending emails. So, either they can send it through go eye level, or they can send it through G mass.

So, yeah. I was thinking the, since we got the, uh, go high level, it’s easier to use a go high level. Right? So that way it’s a 1 shot thing. I’m missing 1 application. Have everything it is. But then the only thing is. Outbound like the only thing that doesn’t really have and, uh, that I know about and I’ll ask some buddies that use global is that I’m not really sure how good they are at outbound email.

So then the, so then the, the, the, uh, the email automations. They’re inbound, like, it’s people that you already have that you’re important to the list, and then you’re sending automations to, but then there’s another thing called outbound, but you know what, let’s just do it for a level internally. And then I’ll confirm this later.

But basically the idea is, um, on your side.

Uh, so just waits ’cause we have to update the, in the instructions to at go level. So waits for us to update, uh, instructions to include go high level email settings, sending today and us, this is what we’ll do. So update instructions because as, as I was telling, um, I believe Kevin, uh, you know, we we’re not just doing G M Ss, we’re doing boy level as well.

So we’ll update that today.

But in, that’s pretty much it. In meanwhile, So, in the meanwhile, last thing is, in meanwhile, imports,

this instruction is in

list building SLPs. So, this is right here.

So, this is where the instruction is. It’s this.

That’s pretty much it. That should keep us, that’s a lot of work right there. So, then let’s just, yeah, we import everything this week. Um, we have, we have a million records, but then there’s some duplicates. Really, it’s probably 500, 000. We have a lot of records. So, yeah, we can start going. Uh, last thing I recommend.

Uh, on your go ahead level, uh, click on

validates emails. So if you can just share your screen, I can show you how to do this. It’s very important. Can

you see my screen? Yes, I can. It’s fantastic. So I’ll try to control amounts. It’s just faster if that’s okay. Yep, it is. Okay. Beautiful. Okay, so settings. Location. Automation. Textback.

Yeah, I just need to find something. Business profile. Domains.

Business logo. Yeah, just one second while I find this. Yeah, where is… Oh, yeah, email settings.

Okay. SMTP.

Hmm, it’s interesting the way you set this up.

You’re using Mailgun. Yeah, you may have to tell, um, because the way you set it up is, is a bit different than what I’m used to, but, um, but the point is that you may want to tell the code. I don’t know if you have the code or still available. You may want to tell them to just add email validation. Okay, so then have you actually logged on to Mailgun or did they all do, did they set this all up for you?

They set up all everything. Okay. Okay. That’s cool. Okay. And so have we, uh, have we tested this that it’s all working and we tested the email and we tested all this. Uh, we do not test the email, but we test the phone call, right? We did a call and you got a call back from this Yeah, no, exactly So so, you know what while we’re here something that can be productive Let’s test out we can just test out the email right now, you know, okay I think it’s important.

So what we can do we can go to marketing.

Okay, actually I remember I think I remember how to find it Uh, but I don’t have access to the account. But anyway, we go to marketing go to emails Campaigns create campaign.

Yeah, let’s just do a design editor.

What’s your email address again? Uh, info at, uh, brave line ma.com. M ma or and ma ma.com? Yeah. Okay.

Okay. And then I’m just opening it now to see if it’s working.

Info. Okay.

What’s that? So how long it normally takes to validate, uh, one email? It’s just because of one email. Pardon me? How long it normally take to validate a one email? Oh, to validate. Um, well, I mean, it should be like, it should be like nothing. Um, going level is kind of strange sometimes, but, uh, yeah, it shouldn’t be, uh, it shouldn’t be more than.

You know, like two minutes to send it to send one email or anything.

There we go. So I’m in, okay. So now let me see if I got the email. Okay. So I didn’t get it yet.

Okay. Got it. Beautiful, beautiful. It’s working. Oh, you got the email. Okay, good. So, okay. No, I’m happy. It’s working. So that’s good. Yeah. So now we just have to make sure that, uh, because sometimes like. We have, like, I think a, I think 95 or 90% of them are valid, but in a 10% that are invalid could hurt. It could hurt you to 10% or invalid could hurt your, uh, your campaign.

So, then we just want to make sure that go I level is automatically valid. So, the next step is, let me just add this to the next step. Next step is we have to check to make sure that tell the depth to check to make sure that. The emails are being validated before they get sent out. So I’m trying to find validate.

I can’t find it. So I’ll just tell the developer to do it. All right. And let me just check one more time to make sure I can find it settings.

So I’m stuck at the sub account level. Yep. Okay. So I think that’s, that’s the limit of what I can do. So, yeah, so let’s just tell the dev, because like, you don’t, I don’t have access to the full account. So let’s tell the dev to, um, uh, to, uh, check to make sure that emails are valid. I’ll share my screen to show you the next steps.

Okay. Let me stop it. Go ahead. Yep. Yeah.

So this is the VA’s responsibility, right? For the developer’s responsibility, the developer. Okay. Okay. Yeah. So VA is just responsible for doing things inside. Um, inside here. Yeah, this is just a, this is all addressed to you. So this is addressed to you. You should do all this. And then by you sending the VA the instructions, the VA is going to do the instructions.

Right. Okay.

Okay. And then last thing, tell your developer to use something called LC connect instead of Milligan. So, if you don’t understand, don’t worry about that, but it’s better. Trust me. We sent tons of that. That’s pretty much it. And then, um, and then I’ll make sure that you get this. Yep, um, 1 of the question I have, uh, to the, I send another, uh, company, um, for the analysis wise.

I would like to know the cash flow, um, stable company, or at least what I’m seeing real estate is around like 1. 25 or 1. let’s let’s assume 1. 3. then the business, they’re trying to sell it for 2. 5. I think we can negotiate and we can get up to 2. 2. So, it’s like, everything may be 1. 3. 5, maybe 3. 3 range. Um, so do you think we have a chance on raising money for that, that that deal?

I think if that’s where I wanna get it out from either mother or David, I want them to see it and come up with a number because I feel that have good cash flow. Uh, what I’m saying, I’m not saying I’m expert on financing, but from my knowledge wise, I look back guy take home like almost 300 K to 400 K every year.

Okay, so well, it’s good. So then, um, it’s so then, um, the thing is that you’re not you’re going to be you’re going to be an expert. Like, you’re becoming an expert eventually. So it’s not as if so the whole point of all this is that is that you get used to what matter is doing. And then eventually you become the person that’s the expert.

So, uh, but then to answer your question, uh, well, I mean, all I did, I just, uh, I signed matter directly because matter already had the model and he’s already used to how you work. So, yeah, I mean, I’m just waiting for him to respond. He should do it by today or tomorrow in terms of I think it’s a good investment.

So, I mean, I can look at. Repeat the numbers 1 more time, then I’ll try to give you an answer. So, let me give you 1 second. This is from based on the same. So, um, yeah, I’ve been in front of me as well. Yeah. Uh, yeah. So this is 2020. um, this is a balance sheet. Um, and, uh, uh, go up 1 little bit. They have a cash in equivalent, like almost 700 game.

Um, I think you need money on this business. That’s what I’m thinking. That’s why he have this much cash on the hand because of the payroll. It’s a health account pretty much. Yeah, so the disability wise. Um, so he’s thinking building is close to 630 seconds, 636. And I have a conference about 129. So it’s pretty good, reasonable, right?

Current assets wise. Um, then the, uh, for me, more appetizing part is the P and L. If you go down a little bit further down or up, I’m not sure where it is, um, uh,

I’m down. So hold on. Hold on. Let me ask you a question. I need to get a client. Can you go up a little bit? So what does this means for all those equity? Yeah. All right. So from my understanding, it means it’s a, it’s a cap table. So you own a hundred percent of the company. I’m just trying to wait before I say that, let me just make sure I read it first.

So then common stock, 1 per stock, 1 million shares authorized. So that means that this is the total amount of shares that exist, zero shares issued. So that means they issued none of their authorized shares. So like they have like a million shares. And then the actually like sense, so they have it kind of like in an imaginary bank account, so to speak, but then they actually issued 0 retained earnings.

So I know from tax returns. I guess we have an account that’s on the call me may know better than I do, but, uh, I don’t have to remember if Kevin’s an accountant, but, uh, retained earnings. And we did text not that long ago, shareholders equity. I think this is just saying that he owns 100% of the. Company, that’s what I’m thinking, but I’m not sure that’s what I’m trying to get a clarity.

Yeah, you know, I have to get matter to to really understand total liabilities and shareholders equity. So then let’s add up,

let’s add up the assets. Let me do something interesting. So then I wish this was a spreadsheet. Okay. Send me this information. Yeah. That’s the biggest problem with some of these deals. They put it in PDF format. Okay. So let’s look at the, um, the current assets. Uh, go up. So total current assets. But then if you look at the equipment, there are also these investments in total assets here.

So is this not just. This is the balance sheet. Maybe they have PNL somewhere further down, I guess. Let’s see. Yeah. Right. This is income entertaining. Right. So the.

Yeah, no, this is definitely a, yeah, this is definitely a matter or David question. Uh, this one is, uh, cause the question that you’re asking was, what was, what was the question again? You’re asking. Yeah. What does exactly this means on here and also do we, what exactly the cash flow for last three years? I won’t figure it out.

What exactly the cash flow for each of these years. Uh, from my understanding that will allow me to get an actual number, then I can have an honest conversation with the owner and he’s playing with a lot of money with that because of the health care business. So you can get is be alone very easily because of the code and everything.

So they took a hit around 2021. Um, then, uh, after 2021, 2022 onwards, they’ve been pretty good. Okay. So you know what I need, I need to get a month to put this on a, on a spreadsheet because, uh, he’s just, we have to manually put this on a spreadsheet because it’s just so much easier to see the cashflow. Uh, but basically to answer your question, the only thing that I can really, I’ll only talk about what I understand.

The only thing I understand is, uh, they create a hundred, they authorized all like a million shares, they issued zero. And in terms of the cash flow, we, I think we want to look at the statement of income rather than the balance sheet, because the balance sheet is more of like a snapshot. And then this 1 is more of like a moving picture.

So, then from here, we have to just take this 1 guessing and matters, you know, was assigned this, you know, we just need to take all this information, put it into his template and get it because I don’t really have an answer. But then I’d say, like, if we were just to read this as a 4 year old, you know, like net income, let’s just look at net income.

Thank you. And then look at retained earnings and where does this retain earnings from retain earnings is from when this is 2022, I think. Right. Yeah. Okay. Okay. I see. I see. Okay.

Revenue profit. Yeah. Okay. Sure. So then net income, whatever that income. So, how would it become 1. 5 million? That’s what I’m trying to figure it out. Pardon me, how does that became 1. 5 million? Yeah. Okay. How did this? Yeah, that’s what I’m trying to figure out. I’m not I’m not sure myself because it’s saying add retain earnings.

And it says beginning, so we’re taking this and then they’ve added retained earnings. So then retained earnings are from our 1. where is retained earnings?

We saw this somewhere. Can you hear me? Yeah, hold on. I think this, uh, this is right. So, in order for K in total assets, 1. 13

million. Sorry, so 1. 9, so here retained earnings. Okay, so it’s almost as if they’ve, they’ve taken the 1. 9 and then they, it’s like they subtracted the,

yeah, it’s almost like they subtracted the, the, uh, contain earnings from the net income because it’s like 400 K less. So if we add 4 to 8

plus, let’s just say minus 1.

Okay. It’s a million. So 1, 9, 5, 1. Well, there’s your, there’s your number, right? So that’s 4, 8. So then they’ve subtracted retained. So retained earnings minus beginning. So minus net income is this? Okay. So that’s where they got this from. Okay. And retain earnings ending. So I guess the beginning, they subtract it and then the ending they add it.

So all they’ve done, they’ve, uh, so this is not a minus. This is just like a hyphen. So this is earnings before they added this and they added this, then we get this. So I think what we have to do. This is my 4, this is my elementary level and forgive me. I’m not really the, uh, the, the, the CFA, but I would just take, I think we have to just get him to do that.

Take this number, put it in, like, a 5 year analysis, like, year 1 this much, year 2, year 3. You know, what we assume we assume and then based on that, then we do a DCF model based on like 5 years of 400 K in profit. And then from there, it was spit out the, uh, there are 2 things we need to get the enterprise value, which includes the debts.

So it may not be accurate if we get that. And then remember, then you have this market value, which is just like the equity, because if there’s already debt in it, remember how there’s like the market value where it’s just. The equity portion of it, and what the investors get, remember that those 2 different rows.

Yeah. So then that’s, that’s what we have to do. So then you just have a napkin. We can just say, Hey, this year, 2022, they made 400 K net income. Let’s just project that out 5 years from now, they make, they make this. And then what’s like a good EBITDA multiple in this industry. So then, Hey, for lack of better words, like without me getting into all the details, uh, let’s do like a multiple on the profit that we’re making in this industry is let’s say what 6X, whatever it is, 8X.

And then, and then, and then there we go. Then we just spit out the, um, we, we use the, the, the, the formula, the DC to get the enterprise value. And from there we can get the market value. And that’s what we’re telling the broker to say, Hey, this is the, um, why is you, why are you charging this when the, when the enterprise value, the market values is, so that’s, that’s how I see it.

And then, uh, forgive me, it’s a bit elementary. And then I need the, the people that are actually trained on the financials to, um, to go into, but yeah, that’s how I read it. Yeah, definitely. No, I like, I like the, uh, your thought process. Yes. I think it makes life easier. Definitely. Yeah. Because the thing is that sometimes like the CFPs are good, but sometimes they’re very, their, their brain is just really used to it.

So it’s hard for them to explain it in like, um, normal speak. Yeah. It’s a different world. So that’s all. That’s right. Um, so do you think we have an opportunity to raise the money for this kind of a deal? Thank you. In my mind, I don’t see why not the only thing I check is um, I mean the profit margin doesn’t seem that high like Okay, like we’re looking at like what like we I’ve heard of businesses like the henry deal.

I’ve heard of that one is 50 percent um profit margin and I maybe that’s a bit aggressive but

So these guys around uh, they’re Not even because look revenues earned four million they’re taking out this and then they’re saying that these are their expenses gross profit I’m just I just really care about the income. I care about, like, the worst case. So it looks like they’re making, like, 10%. Yeah, so I think there’s 937, the, the 5, the general administrative expense of 508.

I think that include almost like a 300k salary from the owner. Oh, I need to get a clarity on that piece. So that’s why I was just sending more information because I want to figure it out on, Oh, Hey, is that, is that, that means, so that means it’s not 400, it’s like a 700k. That’s what it is because this guy making almost 300, everything, every place I seen it at least for the last five years, he’s making 300k profit or income from the business.

Okay, so he’s keeping, okay, so he’s, so really it’s, it’s 700k, you know, profit after everything. Yeah, it’s a general and administrative expenses. That’s probably him. Plus like the nurses and things that he pays, right? That’s right. And actually have a management team and there’s another guy make like 100k.

Okay. Okay, it’s I think it’s so two things. One is I think it’s at the base. It’s at the I don’t think it’s like an amazing profit margin, so I kind of question quite a question to say, you know, where’s all this money? Like, how efficiently are you managing the organization such that the profit margin is like this?

I mean, revenues are good. It’s just a profit. Like, I’d like to see more profit. Uh, that’s all, you know, especially if it’s acid lights, because probably like, Okay. I don’t know if you said that there’s real estate attached that is optional, right? Yeah, it’s optional. So they put a price on the real estate.

It’s like 1. 3. Uh, and the business is 2. 2 or 2. 5. That’s what they are looking at the rate. So it’s like combined, if you say like a high end 3. 8 million, that’s what they’re looking at. 3. 8.

They can do a bit better on the profit. So I just dig into that number one. And the number two, if it’s, if it’s investable and so on, it’s more about like. What’s the our cash and cash return. So then if they, so then, yeah, then that’s how we need to model. So basically we have to, we have to get, so if somebody invests into the down payment of the deal, you know, maybe let’s just say 25% of the purchase price, which is whatever the answer, 25% of whatever the enterprise value.

What is he selling it for? He trying to sell the business for, uh, he’s for the business by itself. He’s asking 2. 5. Asking the real estate is 1. 3. Oh, but that’s, that’s annoying. Yeah. Yeah. No, the profit’s not that high. You know, maybe more of an appreciation play. Like, Um, yeah, yeah. So the, if we can buy without the real estate, that’s what he wants to do.

Then we need to rent the, we can, we can buy it. And he’d mentioned that part and he’s anyway paying another 124, 000 on each month or as a rent. Okay. So he is. Real estate is sitting on a different company or LLC or whatever it is. And he’s paying 124, 000 for that prop. Did he appraise the real estate? He appraised it, right?

Yeah, he appraised last year and it’s like 1. 325 or something like that. And we can get for 1. 3 or something like that. So it’s just like more pop numbers. Okay. So anyway, so, okay, good. So the business 2. 2 point, he said 2. 4. So 25. He’s going to get 2. 5. I think he’s willing to do another 200k down, uh, like to help it.

Um, yeah. Okay, so this time is 0. 2525. Whoops, that’s not a number. So 60. Okay, so we need to do a million. Yeah, another zero. Yes. Yeah. So 600 and this. So we just have to look at it like this 25% of the business. Like, let’s say we get a loan for 75% LTV 25% of the business is 600 about 600 K. Yes, and if somebody invests that much money to get 100% ownership over the business over a certain amount of time, then that doesn’t seem like a horrible deal because the profit margins are around, but the profit is around that much per year.

It’s 700 K per year. You make a hundred percent, make over a hundred percent on your money within a year. Um, but then you have to account for depreciation. It’s, it’s not a bad deal from that perspective because I didn’t know that the, the price of the business was at the low. So yeah, he was asking 2. 5. I said, I don’t think I want to go for 2.

5. I think I’m, I’m thinking about 2. 1. That’s why I told him. Okay. Then the broker did not push me back. Then I realized like, that means they’re willing to go for that price or at least thinking about. Okay. So that’s, I mean, that’s good. You want to see where they’re at. So then, okay. So then the only thing is, um, I don’t think it’s a bad deal.

I think because the, the buying price is not that high, you know, it makes up for the profit margins. So I’d pursue it. And the only thing is next step is we’re just chasing away. So I’ve already assigned this to matter right here. So you can see it’s assigned yesterday. So we’re just waiting for him to do the model, but the points of the model, like, let’s not get all dazzled with the model.

Basically, the point is we want to. Look at that, look at that, um, 400 to 700 K profits. Yeah. Yeah. Yeah. We want to look at that 5 year projection DCF to say, Hey, if somebody is buying 25% equity and 25% of company, they’re getting that much back every year. Right. And then you have to subtract the debt service and all that stuff.

Depreciation so it doesn’t seem it’s like, probably 80% return on your money within 1 year. If somebody’s buying 100% of it. So that’s that’s my kind of napkin napkin drawing. So it doesn’t seem like a bad deal. So, so I pursue it and then once we get the model, then we can start to nail that. But I pursue it to answer your question.

Okay. All right. It makes sense, right? Logically, that’s a good deal in your, in your mind. It doesn’t seem bad because the buying price is pretty low. Uh, I, the only thing is I questioned the management to say, Hey, listen, like, you know, even besides your salary, like, um, what, what are the expenses? You know, can you just walk me through that?

Help me understand, help me understand. I know some businesses in this sector that are 50% profit margin. Just help me understand what are some of the costs. Yeah. Okay. Okay. And it’s this is based where this is Georgia. Uh, this is Jonesboro, Georgia. Um, and, um, it’s like, uh, 45 minutes drive on south of the Georgia.

And, um, he’s running this thing is named John and, uh, he’s, he’s from, um, I think it’s originally from Nigeria. He’s going for a vacation for another 3 weeks for a Nigeria. So I said, hey, let me talk at least a couple of minutes. So I’m trying to have a conversation with him before you go for a bigger vacation.

Um, oh, he’s doing this thing almost last. Since 1997, he’s doing this thing for sometimes like this last 25 years. Um, and, um, he, he, he’s trying to sell this thing for the last 2 years or 1 and a half years on the business side. Um, uh, so local. I like that piece. Uh, and he’s focusing on the South of Georgia.

I was thinking if I get it, maybe I can focus on North of Georgia. So it’d give me like a full path through Atlanta. I can call on the, the, um, the county wise. And also in my mind, it’s kind of a resistance group because their focus is most like helping the disability people. So it’s like, doesn’t matter what age they need to help.

They help them that piece. So that way you will always have a market for them. Um, so you cannot survive on in my mind. Only bad years 2021, even that year he made money. So my name is like he took almost 300 K home. So, uh, I think it’s. I don’t know if this is being purposefully, but I would like to know, but I agree with you.

We need to figure out the expenses piece. Just take a dig a little bit on it. I’m curious if the real estate is, is, um, that’s attached has to do with it. Um, but, yeah, you know, it’s just a little bit bad, but, but I mean, if the structure is right, and then if, um. If we’re able to get that much, we may not the only thing is that we may not be able to get that much, like, the 75% if it’s just cash flow based.

So then that that then makes it harder because. Then people would have to invest more for a, a, uh, for the same cash, for the same profit, like, let’s say there’s only 40% LTV, um, you know, then you would have to invest like, what, like 60%? Instead, how much would be the, um,

if it is 3. 3 million, how much would be the margins would be the 3. 3 million is reasonable with the real estate. I think I don’t understand the question. So you see any of you attached. So I was thinking. At the moment he’s thinking his business was 2. 5 million. That’s what he’s asking price. Just a business.

No real estate. Yeah. Right. So my thought process is okay. That’s good. If he’s in 2. 5 million on that part, instead of I’m giving 2. 5 2. 1 million for the business. Then he’s saying real estate is worth now the 1. 3 to 1. 3 something, right? So in my mind, uh, instead of 1. 3, we will do 1. 2. So if you do it, it’s 3.3 million total with the liberal negotiation, I think he will budge up to 3.3 or maybe 3 million in my mind on the real estate plus everything if we do that.

How, what’s the, oh, so, well, it, it, the only thing that, that will help you on, so from my perspective, I think the, the real estate will just bump up the L t v, so it, it will just help you get a better loan. And if you find, um, if there’s a program with ADL and some others, You can get like, ideally you can get up to 80%.

I don’t know if you can do that now, but you know, the, the, it’s just, we just want to bump up the LTV so that it would be easy to raise them. Like you can even probably do this with yourself and a couple of buddies. And there’s one extra investor from us. Like it shouldn’t be like a hard deal to get done or even some seller carrier or something becomes really easy.

Um, but anyway, to answer your question, uh, so then I think that you’re asking. What happens if we get the real estate attached for a cheap deal? Not much. It just adds like the appreciation and then the appreciation can help you sell the appreciation side to investors. If they don’t like the cash flow, uh, the appreciation, it’s an appreciation sale.

And then you can get the L t V up because the L t V kind of is a risk of it being low if it’s just a business. So, because there’re less cashflow based lenders that would do 75% L T V for just a cashflow based business, even though the cashflow is good. Yeah, that’s right. That’s right. Okay. Okay, okay.

Yeah, but because the guy’s going on vacation, I yeah, like, I think I press I press hard. Yeah. I want to see next. I’m serious. I’m serious. You know, you’re serious. Um, the only thing is that I’d recommend to express concern about the. The expenses express concern about that. And then, um, and then my, my other concern is just the LTVs that we could get, uh, with and without the real estate to see how that would be.

So that’s just my quick thoughts based on this conversation. Okay, definitely. No, that’s this is pretty good. I was thinking about the expenses, but I think you made the same point. I think. I don’t have the full visibility on that piece. I don’t know who’s get paid what and what the cost of goods sold.

They need to have some sort of breakdown. So that way, I know that what are the expenses coming on? That’s that’s really good. Um, so, without the real estate, do you think it’s a great deal? Hi, the LTV will come, right? That’s what you’re saying because of the real estate is not there. Sorry. So, yeah, the point was, if the real estate is there, you’re saying it’s a greater deal or not a good deal.

I’d say, so if the real estate is included. The deal would be better for a few reasons. It would be better because it may be easier to get higher LTV. And you send number 1, number 2, you’ll be able to depend on appreciation because we’re fighting against this kind of like high expense situation. And I’m not too sure if the so, like, just from this quick napkin calculation, yeah, it looks like they may make 80% on their money in it for in a year.

You know, if they’re like, all the equity people make 80% a year on their money, that’s what it looks like. You know without going into the details, maybe maybe it’s complete rubbish. Maybe it’s not but The thing with the real estate that helps it out is that it Removes that concern of, Oh, am I going to make 80% of my money?

Because it’s going to appreciate anyway. Right. Whereas the business, you know, we’re just mostly looking at cashflow. So those are the reasons why it’s good. The only bad thing about adding the real estate could be, it could increase the buying price of the business, which, which would mean that we would need to raise more equity, which would mean that compared like the profits compared to the cashflow would be lower.

So the real estate doesn’t add much cash flow. I’m not even sure if it adds any cash flow. It just adds appreciation and higher LTV because there are more lenders that would do it. So that’s the only thing. So then the thing that can keep this deal together, I think, would be if the cash flows could sustain the deal with the added price of the real estate and if the appreciation of the real estate is worth the…

Um, the at the increased price of the business, you know, I’m saying, so, like, it’s like, and by, so then the critical thing is like. When we go back to get the model or whenever it comes back from vacation or before it gets in vacation, we have to just see like, if we add the real estate is the appreciation is the, is the projected appreciation of the real estate worth the added price of the business and real estate?

Because if it’s not, we just added like 1 million in, you know, for, for something that’s not appreciating fast enough for it to be worth it in like, let’s say 5 years. So that’s the critical question. So then we just have to project out. What the appreciation would be in five years for that real estate because it’s not doing anything else for us.

So that’s right That’s right. It does not because all the expenses he’s anyway, he’s charging hundred twenty four thousand dollars of rent. Oh He’s charging for the company for hundred twenty four thousand dollars worth of rent, but he’s charging it to himself because he owns a real estate That’s right.

So this is what I’m saying. I think

it’s okay. It’s his business. He can do whatever he wants to do. But when I buy it, I’m still have to pay 124, 000. So that’s why I’m thinking that the some of the expenses that we think as expenses are not necessarily expenses. If we get a hypothetical thing, well, it could be a tax strategy because. A lot of people go into real estate because and I haven’t looked into the books, but you can defer to tax and you notice as a real estate guy, you can defer to tax payments because the business makes profit because the business doesn’t maybe it doesn’t have enough equipment to claim for the to the IRS.

Then it claims the expense of the real estate of the rental, and then the rental business makes back that money. And perhaps there are some ways that he’s using to defer tax payments on that rental income. I’m not sure, you know, so that may be how he’s doing. Okay. That makes sense. Yeah, yeah, I think so too.

I think he tried to save the taxes. I agree certain extent. Yep. That’s right. It’s a good. Yeah, it’s a good idea because. Like, for example, even like, I’m not really that deep in the real estate side, but I have a, so we have this broker dealer pending company, and then we have this razor to come Inc. So then what we do sometimes is the CPA said, okay, we can charge the, the raises that come in company to the race that comes securities company.

So we can lower the perceived profit, and then we can find ways to justify. So it’s like one of these arms arms length things, and we just find ways to justify, you know, why we’re taking this payment for what services we’re charging this one for, even though I own 100% of both. So, you know, you people can do this and then, you know, sometimes it’s really common, but in a real estate as the added benefit I think can defer tax payment so I’d have to look in to how he does it.

But anyway, I don’t want to go in circles. So all I’m saying is like adding the real estate only makes sense if the appreciation is worth the added price of it. And if the, if the money that they make back in that year, uh, still really high, that’s all that makes sense. When you get the model, don’t get all like, uh, let’s not get all dazzled.

We’ll just focus on the 400 K, 400 to 7, 800 Cape in the next 5 years. What does that give us in enterprise value? What does that give us in the market value of the equity? And then what is the appreciation that we think the real estate will have if we add in the additional real estate price? And then if it’s too much that we ignore it, if it’s good, then we keep it and that’s it.

But the deal is the deal is decent. I can see on the deal is decent. So you think it’s it’s a good deal. Not a great deal, but the average deal that that makes money right? On a longer run. Presumably it’s very it’s good. And then also ask on the on where is he? Where is he? What is he spending his money on?

Yeah, expenses. Yes, yes. I figure if you keep more money in the business, you pay less tax because he’s paying himself. I don’t know. He’s paying himself salary dividends. I’m kind of surprised himself that much within if it’s a salary because salaries get taxed a lot. That’s right. Yeah. That’s what I was trying to figure it out too.

Um, he, like, um, I was going through his 2021 tax returns. I have the tax returns. He’s 322 K. Okay.

And, um, like, every year he’s making like 800, that kind of a range, 800 to a million dollar range, but every single year, he’s trying to come to the last spot. And he also making a rent. 124, 250, 000 every year for the last 3 years, at least 2019 onwards. Um, so that’s that’s the thing. And, um, the biggest expenses is the deduction.

I don’t know what that means. I need to more drill down on that part. Maybe deduction. Oh, I thought you meant depreciation. Uh, yeah, I think 4 59. 4 59 coming. Yeah. So I think he some loans on SBA too. Oh, okay. So, um,

um, yeah, so the, uh, I, I need to see it and I think I have the taxes. Uh, also I’m trying to get it, uh, a little bit of a couple of years at, this is 2022 and 2021, but once I get a little bit more details, I’ll dig down. Yeah, definitely. Yeah. What, last question, what is his, um, do you have his, some of his worst years?

’cause that could be a good. Um, risk re way of risk reducing your risk is like, just looking at his worst years, his worst year was 2021. And that’s, they’re coming out of the Covid, or that’s a covid year? Pretty much. Okay. And what was like, like what, like 500 k or like what were the, what was the net profit?

No, he, he had a negative. 129. Oh, he was negative. Yep. Let me show you. You have the,

this is a tax return. So it’s, uh, pretty much in my mind, it’s a good thing. You can rely on the government. So, um, so he made, can you see it? Yeah, so he made 3 million, uh, cost of good solds, 2 million. Then profit is, is 832. But this is the corporate tax returns, right? This your corporate, yeah, corporate tax returns.

Yeah. Okay. Um, then compensation for the offices is 322, so it doesn’t matter which year he’s, he’s making that money, right? Repair maintenance. That’s okay. This is the rent. He charged 124, 000 back to the business.

Then, uh, then there’s a deduction for 451, 000. I don’t know how to, I just, that says 100, 000 minus 127, 000. Well, I mean, you know he’s incentivized to say this stuff, right? Because, um, you know. Yes. So that’s, that’s the other thing is like. Some people, they have a model for, uh, I mean, this is what the Blackstone CEO was talking to, uh, I think another business about like some people, they have like one financial projection for the IRS and then one for people that want to buy their business.

So I, I’d really take this with a grain of salt as well. That’s right. That’s right. Yeah. That’s why I want to know the actual cash flow on this guy. That’s where I can make a, make a fair adjustment. Right. And he’s using accrual based accounting. So, um, you know, for the, uh, for the IRS, but accrual based accounting, uh, I don’t know, like, because the money hasn’t been realized.

So that’s why I don’t like accrual. Yeah. Yeah, that’s right. That’s right. Yeah. Yeah. So this is the balance sheet. So they were count receivable. They have close to now 790 and cash. They had 189 into the tax year. Um, then, uh, they have assets 2.1, then became 1.5. I don’t know what exactly happened here. And retain earnings 1.4, 1.5.

That’s what’s the retaining earning we are looking at. Um, so then, um, so this is the K one or M one.

So this 4 59, I think that’s the SS b a loan. Okay. So, um, then, uh, the K one for Mr. John,

John Aula. So he’s, So I think he took home like a 4. 59.

Yeah, that’s the same number that I think we saw is be alone. Right. That’s what we thought it. Yeah.

So deduction is 4 million. I don’t know what does it means? Is that not a tax deduction? Is that what it’s referring to? So I can look at this. So, okay. This is a K one document. So like when you get a K one, the K one is work is like this, like a, if you and me have a partnership. We create a document and show the company that you’re going to file separately on this spot.

So he was filing a K1 here. So this is the K1 he filed. This is actually pretty much from his business. This is what’s the income and all those things.

So, uh, yeah, so he has like 459 from the K1 and, um, I have his 2023 ones too. So I’m actually looking at, um, like an empty cable or I just Googled from the IRS and empty K1. Um,

yeah, I just wanted to get this deduction line. So deduction, just one second. It seems to be,

so your share of excess deductions, depletion.

So this is the 2023 Q1. Um,

so he had a cash equivalent 1. 9. 1 29, then 1.13 on the cash.

Okay, that’s . Uh, then the property plant equipment building, he’s thinking it’s like half a million. Uh, then the total assets, uh, then once you go through within 1.69 because you have s b a loan as a liability. And so up to March for three months, he made 900 k. So, yeah, revenues, but then the profit is, and that’s just gross.

Yeah, that’s that’s a bit, uh, anyway, but that’s just 3 months. Yeah, that’s not bad. So, so, so tomorrow, listen, so I actually have to hop off. I have somebody, uh, yeah, yeah. It’s more, it’s not been a customer. It’s more of, um, somebody that wants to, wants to join and he’s asking me questions. And so let me jump off, but I think next steps, I’ll send you that next steps is I’ll send you that Google documents of the go.

I love the stuff and the VA stuff, but then on that side matter, we’ll get the model together, but it overall. We’re looking at four to 700 K and probably put that in the worst case scenario, more, more 400 K five years DCF. That’ll get us the enterprise value. We get the market value. And then based on that, we can go over assets.

But in the meanwhile, I’d say tell us proceed, uh, just to check those expenses, see what is it, what’s going on with the expenses. And then, um, and I think that, I think that’s it, but overall, like the real estate should only be attached if the appreciation is high enough to warrants the Return that the investors are getting because the LTV would be higher, but then the amount invested or so we just want to see that that thing skyrockets in value.

If not, then leave it out. That’s what I would do. Okay. All right. Thank you. I appreciate it. Yep. I don’t want much time, but I know you have a jumper. Thank you. Appreciate it. Cheers. Thank you. Thank you.

 

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