# AI Workflow Automation Agency & B2B Micro-SaaS Roll-Up Acquisition 5-Year SBA 7(a) DSCR Model

- **Platform**: TierCFO (`https://tiercfo.com`)
- **Application Scenario**: Search Fund Operators & Tech Buyers Acquiring $500k–$3M EBITDA Digital Agencies (+430% YoY Search Growth)
- **Canonical URL**: `https://tiercfo.com/models/ai-automation-vertical-saas-agency-roll-up-sba-acquisition-model.html`

## Executive Summary
Structuring 80% SBA Debt + 10% Seller Standby Note + 10% Buyer Equity Under 2026 SBA Partial-Buyout Rules

## 2026 Quantitative Benchmark Matrix
| Key Parameter / Component | Conventional Baseline / Risk | 2026 Optimal Target / Benchmark | Actionable Execution Protocol |
| :--- | :--- | :--- | :--- |
| Acquisition Multiple & Deal Structure | 3.2x – 4.2x Adjusted Seller Discretionary Earnings | 80% SBA 7(a) + 10% Seller Note on 24m Standby | Reduces buyer out-of-pocket cash down payment to 10% |
| AI Agent Delivery Margin Expansion | Gross Margin lifts from 52% to 76% | LLM API + n8n/Make automation replaces manual hours | Documented post-close cost-synergy add-backs |
| Year-1 Post-Acquisition Bank DSCR | 1.95x – 2.45x DSCR | 78% Net Dollar Retention on B2B retainers | Meets SBA intangible/goodwill lending guidelines |

## Application Scenario & Execution Blueprint
SBA Underwriting Application Scenario: Built for acquisition entrepreneurs buying traditional bookkeeping, marketing, or IT managed-service providers (MSPs) via SBA 7(a) and modernizing margins with AI workflow automation.