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The Terms | Scale Beyond Your Build | Stefanov Capital
Scale Beyond Your Build  |  Part Three

The Terms.

The last in a three-part series on growing by acquisition. The Map defined the job the acquisition has to do. The Line covered how a buyer earns a real shot. The Terms is about what comes next: underwriting the network like an owner, structuring what is still in motion, and making sure this acquisition leaves room for the next one.

Part 3 of 3  |  6-minute read

We have watched buyers walk the same deal, read the same materials, tour the same network, and come away underwriting two very different businesses.

One sees the EBITDA on the page. The other sees the network behind it: the customers likely to stay, the plant that will need capital, the competitive pressure building at the edge of the footprint, the obligations that survive closing, and the growth that still has to be executed.

Those buyers may put similar numbers on the first offer. What they believe they are buying can be very different. Winning the process determines who gets the asset. The underwriting determines what they actually bought.

Ownership lens

Underwrite like an owner.

We underwrite networks with an operator's lens because members of our team have owned and operated fiber and fixed wireless networks. That changes the questions we ask. Across the deals we work, the underwriting keeps returning to the same places.

The plant. Its remaining life, not just its existence. What was built, how it was built, what condition it is in, and what happens when the growth plan starts asking more of it.

The revenue. Not simply what appears on the trailing financials. What remains after promotional pricing rolls off, competition reaches the market, and churn begins to separate durable customers from temporary ones. Subscriber count is a starting point. Revenue quality tells you what those subscribers are worth.

The EBITDA. How much belongs to the underlying business, and how much depends on adjustments. We have seen add-backs that were supportable and add-backs that were hope. A buyer should know which is which before the offer hardens.

The obligations. Debt, liens, consents, contracts, commitments, and anything else that follows the assets into or through closing. None is automatically a problem. Unpriced, any of them can become one.

The capital. What the network will require after closing. Deferred maintenance, equipment refreshes, capacity upgrades, committed construction, or the next phase of growth may never appear in headline EBITDA. They will appear in the buyer's budget.

Then there are the operating realities a data room rarely volunteers on its own. How often does the network go down? Why? Where are the recurring trouble spots? What does the maintenance history tell you about how the network was actually run?

In broadband, the honest answer sometimes involves squirrels. We know to ask because we have seen them damage fiber. That is a small example of a larger point: operating a network teaches you to look for things a spreadsheet does not know to ask about. The questions that determine what year two looks like are often not the questions that got the business into the teaser.

You are not buying the story. You are buying the network on the day after closing.
Negotiation

The right terms are not the lowest price.

It is worth saying directly because buyers sometimes expect their advisor to promise it: buying on the right terms does not mean paying as little as possible. A buyer should absolutely change its view when the facts change. New information discovered in diligence can affect value, structure, or both.

That is different from treating every issue as an opportunity to take another dollar out of the deal. We have seen buyers focus so heavily on winning the negotiation that they create a closing problem, a seller problem, or a reputation problem that follows them into the next process. And a low price does not rescue a bad acquisition.

The right terms are more durable than the lowest number a buyer can negotiate. They reflect the business as it actually exists, account for what remains uncertain, and leave both sides able to close the transaction they agreed to. The best transactions we have been part of are the ones where, a year later, neither side describes the other as having won. Both got what they underwrote.

A bargain on the wrong asset is the most expensive purchase in this industry.
Where structure earns its keep

Price what is real. Structure what is still in motion.

Price what is real

Give the work already done its value.

Buyer and seller can agree on what the business is today and still disagree sharply on how much credit to give what comes next. A seller may have spent years securing a development relationship, engineering an expansion, winning a grant, obtaining permits, negotiating tower access, or preparing a new market. That work has value because real time, money, relationships, and risk have already been invested.

Structure what is still in motion

Put the remaining uncertainty where it belongs.

The buyer may still be the one funding the remaining build, executing the plan, carrying the operating risk, and proving the customers will come. A milestone payment can recognize a build already underway as specific work is completed. An earnout with clear measurements can give the seller credit for growth if the business delivers it. Other contingent consideration can bridge the same disagreement when the uncertainty can be defined and measured.

Structure should not make the deal more complicated. It should make the uncertainty explicit. The seller gets credit for value already created and a path to participate in value still developing; the buyer pays for that future as more of it becomes fact. That is not a negotiating trick. It is what disciplined underwriting should produce.

Capital

The deal after this one.

For an operator growing by acquisition, no deal stands alone. It is part of a sequence.

Can you finance this acquisition? That is the first question. What the financing leaves you able to do afterward may be the more important one. How this transaction is funded, what covenants come with that capital, how much liquidity remains, and what obligations the acquired business adds all determine whether the next good target is an opportunity or something you have to watch someone else buy.

We think about that before closing, not after it. The cheapest capital is not always the most useful capital, and the largest facility is not automatically the right one. Debt that solves today's acquisition but removes tomorrow's flexibility can be expensive in ways that never appear in the interest rate.

The next deal belongs in the underwriting for this one. Part of our job is making sure the transaction in front of the buyer can stand on its own without unnecessarily closing off what comes next.

Where the technologies split

The underwriting is shared. The evidence changes with the network.

Fiber

Fiber-weighted questions live heavily in the plant: age and condition, aerial versus underground mix, route diversity, replacement cost, make-ready and pole attachment exposure, permitting, and what the historical cost per passing says about the economics of extending the network.

Fixed Wireless

Fixed wireless-weighted questions live more heavily in the rights and the platform: spectrum position, site control and the economics and terms behind it, equipment age and refresh cycle, capacity, interference, and whether performance holds as subscriber density increases.

Shared questions come first, whatever the technology: churn and revenue quality, backhaul capacity, cost, term, and control, competitive exposure, grant activity in and around the footprint, the quality of the records, and the capital the system is likely to require. Neither list is complete. That is the point. A network has to be underwritten as the network it actually is, not as a technology label.

The three moves, complete
01The MapWhat does the acquisition need to accomplish?
02The LineWhat does the seller need to believe?
03The TermsWhat do we need to believe before we own it?
Three parts, one argument

The decisions belong in the right order.

The Map. What does the acquisition need to accomplish for us? That decision comes before the target. The strongest buyers know whether they are looking for a bolt-on, a new anchor, a strategic position, or another form of growth before an opportunity forces the question.

The Line. What does the seller need to believe about us? Price gets considered alongside financing, behavior, speed, fit, and the buyer's ability to execute. The seller is diligencing the buyer at the same time the buyer is diligencing the business.

The Terms. What do we need to believe about the business before we own it? Underwrite the network behind the materials. Price what exists. Structure what is still being created. Finance the acquisition with enough discipline to leave the next move available.

Some operators will keep growing by building. Some will add acquisition to the strategy. Often the right answer will involve both. The ones that buy well make the decisions in the right order: know what the acquisition needs to accomplish, become the buyer the seller believes can close, and underwrite the business they will actually own.

Scale beyond your build when the economics justify it. And leave yourself able to do it again.

Thinking about where acquisition belongs in your growth plan?

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Stefanov Capital advises independent broadband operators, fiber and fixed wireless, on both sides of the market. In any transaction we represent one side only. Figures and factors discussed in this series are market observations, not valuation conclusions, and no metric should be applied to any network without a company-specific analysis. Nothing in this series is tax or legal advice.