{"server":"com.zeroacquire/zeroacquire","count":2,"changes":[{"tool":"build_sba_stack","kind":"added","observed_at":"2026-09-30T23:33:56.061Z","fields":[],"description_before":null,"description_after":"Price the SBA 7(a) route for buying a business: the least buyer cash SBA allows (a 10% down payment that cannot be waived, at most half of it from a seller note on full standby), the loan it unlocks at SBA's maximum rate for its size, and whether the business clears SBA's 1.25x debt service cover. Terms from SBA SOP 50 10 8.1. Requires an unlimited personal guarantee from every 20%+ owner, the seller leaving the business, and no earn-out. Pass today's Prime rate; there is no default because it moves. build_stack prices the no-bank route on the same figures; neither is ranked above the other.","description_similarity":null,"before_hash":null,"after_hash":"ba73783a65c6ad3aafd33d5ce3918bce"},{"tool":"build_stack","kind":"added","observed_at":"2026-09-30T23:33:56.061Z","fields":[],"description_before":null,"description_after":"Price the capital stack that buys a business with the least of the buyer's own cash, from seller-financed and contingent structures. Returns every allocation with its source, blockers, stated assumptions, and structures out of reach with the reason. Arithmetic on the figures given, not advice. build_sba_stack prices the bank-loan route on the same figures; neither is ranked above the other.","description_similarity":null,"before_hash":null,"after_hash":"9932b2cbd95cdb6ed20623a536660016"}],"next_before":null,"next_actions":[]}