IWouldFundThat, LLC

Retainer financing
for growth-company raises.

Growth companies raising $1M–$10M usually have to pay an investment bank retainer and fund investor outreach before any capital comes in. IWouldFundThat finances those two costs. Each company receives $200K: $100K retains an institutional investment bank to run the raise, and $100K pays for investor dinner seminars. The loan is repaid from the raise proceeds, and the lender receives an equity warrant in the company.

The $1M Retainer Program Summary of Terms
$200KFinanced per company
$1M–$10MTarget raise per company
~40Accredited investors per seminar
2Seminars per week
The $1M Retainer Program
Program structure

One $1M loan, deployed $200K per company across five growth companies.

$1,000,000 loan5 companies × $200,000
Company 1$200K
Company 2$200K
Company 3$200K
Company 4$200K
Company 5$200K
Each company$200,000
Investment bank · $100K
Investor seminars · $100K
$100,000 · Institutional investment bank

Retainer for an exclusive bank to run the raise: investor materials, outreach, and closing.

$100,000 · Investor dinner seminars

Seminars where the CEO presents to accredited investors, who are then referred to the bank.

InterestNone
Maturity1 year
RepaymentFrom raise proceeds
Target raise$1M–$10M each
Capital flow
From funding to repayment

The companies pay nothing upfront. Steps 2–5 run for each of the five companies.

1

Lender funds $1M

$200K to each of five companies, under a non-interest-bearing note and a warrant.

2

Bank is retained

$100K retains an institutional investment bank to take the company to market.

3

Seminars run

$100K funds dinner seminars. Interested investors are referred to the bank.

4

Raise closes

$1M–$10M per company. Accredited investors first, then institutions.

5

Lender is repaid

$200K repaid from proceeds. The lender keeps the $200K equity stake.

Returns
What the lender receives

Two components: return of principal, and an equity stake in each company.

Principal $1,000,000

Repaid from raise proceeds, $200,000 per company. No interest.

Equity retained $1,000,000

A $200,000 stake in each of five companies, held via warrant.

~$1,000Warrant cost basis, per company
$200,000Stake value when the raise is closed
Equity value if the five companies grow after the raise
$1M
No growth
$2M
2x
$3M
3x

Principal is repaid separately and is not included. Illustrative only; equity value depends on each company's performance.

Investor seminars
How companies reach investors

Seminars are run with Simplicity UFC, which has more than 30 years of experience connecting investors with companies.

30+Years operating
~40Accredited investors per dinner
2Seminars per week
100%Accredited attendees
Recent example

Fleming's Prime Steakhouse, Newport Beach

Two nights. Invitations mailed by name. Agenda: taxes, income, estate planning, and alternative investments.

72 confirmed
40 waitlist
36 seats on each of two nights112 total interest
Market context
Why there is demand

An estimated $124T is expected to change hands through 2048, and U.S. seminar spending already runs in the billions per year.

$124TWealth transfer through 2048
$105TTo heirs
$62TFrom high-net-worth households

Source: Cerulli Associates, 2024

Estimated annual U.S. seminar spend by segment
RIAs & wealth managers
$600M–$1.5B
Insurance & annuity producers
$500M–$1.2B
Estate planning attorneys
$150M–$400M
Tax & CPA firms
$100M–$300M
Private capital & alternatives
$1B–$5B+
$0$1B$2B$3B$4B$5B
Total estimated annual spend$2.3B–$8.4B+

Industry estimates.

Structure
Protections

Diversification

The $1M is spread across five companies rather than one.

Repayment from proceeds

Each company's loan is repaid out of its capital raise.

Institutional bank

Every raise is run by the retained institutional investment bank.

Low cost basis

Each equity stake has a cost basis of approximately $1,000.

Summary of terms
Key terms
Investment$1,000,000
Structure$200K per company across five
Per-company split$100K bank · $100K seminars
InterestNone (non-interest-bearing note)
MaturityOne year
RepaymentFrom raise proceeds at close
Equity$200K stake per company via warrant
Cost basisApproximately $1,000 per company
Investor phases1: Accredited · 2: Institutional

Final terms per definitive documents

Next steps
Intro call, deal review, funding.
1

Intro call

Walk through the program with Richard Johnson.

2

Review the deals

See the five companies and the note and warrant terms.

3

Fund the $1M

One loan supporting five growth companies.

Richard A. Johnson II · CEO/Founder, IWouldFundThat, LLC
RJohnson@IWouldFundThat.com · 949-533-7812
8105 Irvine Center Drive, Irvine, CA 92618