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Private equity

LBO model

Test whether acquisition financing, operating cash flow, debt paydown and exit assumptions can support the proposed equity return across downside cases.

Quick answer

An LBO model is a transaction model that links acquisition price and funding sources to operating forecasts, cash generation, debt schedules and an exit value. It is used to test financing capacity, covenant headroom, liquidity, debt repayment and sponsor equity returns under stated assumptions.

Use the worked example

Meaning and transaction use

An SEC-filed merger document describes sponsor equity and mezzanine debt used together to finance a transaction. [S1]

Another SEC-filed proxy describes financing commitments and states that aggregate proceeds, with other cash, are intended to fund consideration and transaction costs. [S2]

Proposed control method: reconcile every model source and use to financing evidence, then test operating, leverage, interest, covenant and exit assumptions independently.

Worked example

Illustrative simplified model only. Assume entry enterprise value of 100.0 million, debt of 60.0 million, sponsor equity of 45.0 million including fees, exit enterprise value of 120.0 million and exit debt of 35.0 million.

Scroll the table horizontally to view all columns.

MeasureCalculationResult
Exit equity value120.0 - 35.085.0m
Sponsor MOIC85.0 / 45.01.89x
Debt paydown60.0 - 35.025.0m
Equity gain85.0 - 45.040.0m

The simplified case produces 1.89x MOIC before interim distributions and excludes taxes, dilution and other adjustments.

Proposed transaction review process

Build sources and uses

Reconcile price, debt, equity, fees, refinancing and minimum cash.

Model operations

Link revenue, margins, working capital, capital expenditure, tax and cash flow.

Schedule debt

Apply interest, amortisation, mandatory prepayment, cash sweep and covenants.

Test returns

Run exit, downside, liquidity and covenant sensitivities with an assumption register.

Evidence checklist

Entry

Offer terms, net debt, fees, financing commitments and equity evidence.

Operations

Historical results, forecast drivers, diligence adjustments and cash conversion.

Debt

Term sheets, pricing, amortisation, covenants, baskets and cash sweep.

Exit

Multiple, timing, debt balance, transaction costs and distribution waterfall.

Decision framework

SituationProposed action
Downside cash becomes negativeReduce leverage, add liquidity or revise the price and plan.
Covenant headroom is narrowTest cure, basket and operating scenarios against documents.
Returns depend on multiple expansionSeparate operational value creation from exit-multiple effects.
Financing terms changeUpdate sources, interest, fees, covenants and returns together.

Common errors to check

  • Balancing the model with an unexplained cash plug.
  • Using EBITDA without cash-conversion testing.
  • Ignoring financing fees and minimum cash.
  • Reporting MOIC without the cash-flow timing needed for IRR.

Stress-test the acquisition model

Bring the transaction assumptions, financing terms and operating forecast to an LBO model review. Reconcile sources, liquidity, covenants and return drivers.

Discuss the transaction

Primary references and editorial scope

  1. SEC filing: Sponsor equity and mezzanine financing
    Example combination of sponsor equity and debt financing for a merger. Reference checked 17 September 2026.
  2. SEC filing: Financing commitments and transaction funding
    Example equity and debt commitments intended to fund consideration and transaction expenses. Reference checked 17 September 2026.
Editorial qualification

General transaction education using public United States filings. Figures are hypothetical. Actual financing capacity and returns depend on diligence, executed documents, taxes, operating performance and market conditions.

General business information. Obtain advice appropriate to the legal, tax, accounting and financing facts. No offer, lender commitment or transaction outcome is represented. All worked examples use expressly assumed figures. Editorial draft date: 17 September 2026.

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