Succession
The negotiated purchase and transaction expenses.
03 / Financial workbench
Fund the transfer.
Leave room to grow.
Succession capital, operating resilience and transition investment are different requirements. A purchase that consumes all three leaves little space for the intended transformation.
Minjerribah / Queensland / outwardSource concept artwork · provenance ↗September 2026 / public workbench
Explore, compare, question. Luke's proposed architecture, source records and bounded tools. No purchase, sign-up or agreement is required.
Public proposal01 / EXPLORE
Three uses of capital.
Operating resilience
Payroll liquidity, inventory, maintenance and interruption capacity.
Transition
Systems, equipment, paid learning, mentoring and implementation.
02 / EXPLORE
Little founder cash is not no capital.
A seller note defers part of the purchase price; it is not cash received by the business. Investor and member contributions supply capital on agreed terms. Loans require repayment. A guarantee supports a financing arrangement but is not cash available at settlement. An earn-out is contingent consideration and is not modelled as guaranteed funding here.
Interactive illustration
Capital & cash-flow explorer
Every amount is in Australian dollars. These sample values are invented, not a market estimate. Nothing is uploaded or automatically saved.
Total uses of capitalCalculating
Funding differenceCalculating
Annual modelled debt serviceCalculating
Base cash after debt and workforce budgetCalculating
Stressed cash after debt and workforce budgetCalculating
Stressed cash / debt serviceCalculating
03 / EXPLORE
What the model includes, and leaves open.
The tool compares total uses of capital with cash finance plus the deferred seller price. It calculates level annual repayments on the two illustrated loans, then examines base and stressed cash after debt service and the proposed annual workforce budget. The annual cash input is assumed to be after tax, ordinary operating costs, management pay, maintenance and working-capital requirements, but before acquisition financing and the added workforce budget. Investor distributions, fees, interest-only periods, refinancing, earn-outs and changes in tax are not forecast.
Source trail: S05 · Business Queensland: Due diligence when buying a business D05 · Fiji-Australia Vuvale Union Submission
04 / EXPLORE
Growth and benefits draw on the same surplus.
The proposed mutual would decide how much available cash supports resilience, upgrading, current participants and the next acquisition. Finishing an acquisition loan creates an opportunity to revisit that allocation; it does not automatically create a universal income entitlement.
A funding gap is a design question. A hidden funding gap is a failure of the model.