Every opportunity on Associe undergoes rigorous multi-layer vetting:
1. Operator Screening: Founders undergo background/credit checks, industry validation, and operational competency assessments.
2. Deal Underwriting: Our team evaluates business fundamentals, financial projections, deal structure, and alignment between the operator’s expertise and the target business.
3. Proprietary Scoring: Deals are scored against our investment criteria for scalability, margin resilience, and market defensibility. <10% of submitted opportunities clear our review process.
Associe focuses on essential-service SMBs ("Main Street" businesses) with proven cash flows and growth potential, such as:
1. Specialized trades (HVAC, electrical services)
2. Niche B2B services (IT managed services, commercial cleaning)
3. Localized CPG/F&B brands (craft beverage, specialty food) Deal sizes typically range from 1.5M to 15M enterprise value, with each opportunity featuring a unique risk-return profile tied to its operational roadmap and market dynamics.
Associe provides institutional-grade transparency for every deal:
Offering Memorandum: Legal structure, terms, and risk factors.
1. Operator Business Plan: Growth strategy, financial forecasts, and operator equity commitment.
2. Virtual Data Room: Historical financials, customer concentration reports, key contracts, and third-party diligence (e.g., quality of earnings reports).
Live Q&A Access: Direct dialogues with operators via investor webinars.
3. Alignment Metrics: Operator skin-in-the-game, performance incentives, and distribution waterfalls.
Supporting the next generation of American Operators is crucial for the future of our great nation. Small businesses are the backbone of our economy, fueling job growth, innovation, and community vitality.
Charles Mullenger SMB Owner Veteran
Mainshares is an incredibly valuable resource and partner for those pursuing a business acquisition. The team has built an unparalleled platform with a wealth of resources.
Matt Yarborough Operator
Investing in acquisitions provides exposure to validated business systems with documented cash flow, stable customer bases, skilled teams, and tangible assets. Historically, acquiring existing businesses demonstrates significantly higher success rates than ground-up ventures (failure rates reduced by 60%+*), offering investors quantifiable risk mitigation.
Associe deals utilize a Three-Tier Capital Stack:
1. Senior Debt (50-60%): Provided by banks/lenders with operator personal guarantees;
2. Seller Financing (10-20%): Deferred payment from former owners demonstrating confidence alignment;
3. Investor Equity (20-40%): Raised via Associe to participate in growth upside. Our underwriting team rigorously reviews leverage ratios and debt service coverage.
We implement a Layered Priority Structure:
1. Priority Distribution: Preferred equity investors receive quarterly dividends before operators;
2. Accruing Preferred Return: Unpaid returns compound annually at 8-10%*;
3. Profit Participation: After capital recovery + preferred return, investors share ≥50% of excess profits. See individual Offering Memoranda for specific terms.
Quarterly Cash Distributions commence when:
1. The business maintains ≥3 months of operating reserves;
2. Excess cash flow is automatically distributed to investor accounts;
3. Distribution records and tax documentation are accessible in real-time via the Associe platform.
Zero Investor-Fee Principle:
1. No subscription/management/carried interest fees charged to investors;
2. Operators pay a placement fee upon successful closing (facilitated by Associe Capital Partners);
3. All fee structures are fully disclosed pre-investment.
Website Disclosure: This website (“Website”) is owned and operated by Associe International Ltd. (“Associe”). By accessing this Website, you agree to be bound by Associe’s Terms of Service and Privacy Policy. The information provided herein is strictly for informational purposes and does not constitute investment advice, recommendation, or an offer to sell securities.
Critical Risk Disclosure: Investing in private small and medium enterprise (“SME”) securities involves high speculation and substantial risks, including the potential for complete capital loss. These investments lack secondary market liquidity, have limited operational history and financial data, involve unverified valuations, and carry higher failure rates compared to established businesses. Investors must be prepared to withstand total loss of invested capital.
Investor Commitments: By considering any investment opportunity, you acknowledge the high-risk nature of these investments and commit to conducting independent due diligence, including obtaining additional company information, consulting professional advisors, and verifying regulatory compliance. You confirm that Associe provides no investment recommendations, has not verified issuer-provided information, and assumes no liability for investment decisions.
Individual Investor Requirements: Individual investors must prove Professional Investor status meeting jurisdictional thresholds (e.g., minimum HK$8 million portfolio in Hong Kong), demonstrate “Aggressive” risk tolerance through standardized assessment, and accept binding 36-month lock-up periods. Enhanced due diligence including review of audited financials and management background checks is mandatory.
Jurisdictional Access: Asia-Pacific investors may access opportunities through direct certification (minimum HKD 500,000),SME fund participation(minimum HKD 100,000), or special purpose vehicles (minimum HKD 50,000). United States investors must comply exclusively with Regulation S requirements and are ineligible for retail participation. Mainland China individuals require QDII/QDLP channels with no direct access available.
Regulatory Notice: No securities regulator has approved these offerings or verified content accuracy. All investments are exempt from registration requirements, provide no liquidity guarantees, and may involve material valuation discrepancies.
Our partnership with Associe provides valuable access to capital, advancing our mission at Owners In Honor to help Veterans and Military Spouses confidently transition into small business ownership. This opportunity not only empowers transitioning Veterans but also drives economic growth and fosters lasting community impact.
Patrick Flood Owners in Honor