Two established Amazon FBA supplement brands operating under a single family ownership group are consolidating two existing SBA 7(a) facilities and adding working capital to fund inventory growth.
Top-rated keto-friendly electrolyte brand on Amazon. Product line includes electrolyte powder stick packs, tub powders, capsules, instant keto coffee, greens blends, and energy formulas. Zero-calorie, zero-carb, sugar-free across the line.
Broad-line health supplement brand carrying NSF-certified products across vitamins, antioxidants, circulatory health, and skin health. All products encapsulated and bottled in the USA in GMP-certified facilities.
TTM April 2025 to March 2026
| Total Revenue | $3,007,994 |
| Refunds and Promotional Discounts | ($175,905) |
| Net Revenue | $2,832,089 |
| Cost of Goods Sold | ($1,889,415) |
| Gross Profit | $942,674 |
| Gross Margin | 33.3% |
Brand entity also houses Intego Nutrition, a secondary supplement brand contributing $162,912 of TTM revenue. Keto Vitals brand alone is $2,730,243 of the entity total.
TTM April 2025 to March 2026
| Total Revenue | $1,883,812 |
| Refunds and Promotional Discounts | ($110,349) |
| Net Revenue | $1,773,463 |
| Cost of Goods Sold | ($1,159,422) |
| Gross Profit | $614,041 |
| Gross Margin | 34.6% |
Year-to-date 2026 revenue is running ahead of TTM pace, driven by recovery in the Diosmin Hesperidin and Phytoceramides lines.
| Channel | Keto Vitals | We Like Vitamins |
|---|---|---|
| Amazon | 99.2% | 97.1% |
| Walmart | 0.5% | 0.9% |
| D2C (Shopify) | 0.3% | 0.2% |
| eBay | 0.0% | 1.7% |
| TikTok Shop | 0.0% | 0.0% |
Both brands are predominantly Amazon FBA. We treat this as the area of greatest single-channel risk and address it explicitly under Risk Disclosure on page 5. Walmart and D2C are live, branded channels with USPTO-protected listings and represent diversification optionality, not current revenue.
January 1 to May 8, 2026 year-to-date. Lender packet TTM concentration available on request.
| Keto Vitals SKU | YTD Sales | % Brand |
|---|---|---|
| Original Electrolyte Powder Packets | $490,946 | 47.9% |
| Berry Antioxidant Electrolyte Powder | $395,433 | 38.6% |
| Instant Keto Coffee with MCT | $50,244 | 4.9% |
| Intego Nutrition Vitamin B Complex | $47,131 | 4.6% |
| Unflavored Electrolyte Powder | $27,312 | 2.7% |
| Top 5 (78 long-tail SKUs follow) | $1,011,066 | 98.7% |
| We Like Vitamins SKU | YTD Sales | % Brand |
|---|---|---|
| Diosmin Hesperidin 1000mg | $197,863 | 27.5% |
| Phytoceramides 700mg | $76,396 | 10.6% |
| Resveratrol 1000mg | $73,040 | 10.1% |
| NSF Glutathione 500mg | $73,026 | 10.1% |
| Astaxanthin 10mg | $62,163 | 8.6% |
| Top 5 (143 long-tail SKUs follow) | $482,488 | 67.0% |
Keto Vitals concentration is intentional. The two electrolyte powders are the brand's flagship products, supported by 5+ years of Amazon review history, established repeat-purchase patterns, and a defended search ranking on the primary keyword set. We Like Vitamins follows a long-tail catalog model with no single SKU exceeding 30% of brand revenue.
The reported TTM consolidated P&L shows a small net operating loss. That loss is fully attributable to two non-recurring or non-cash items that resolve at close: a $326,604 management fee paid up to the holding company that discontinues post-close, and $216,091 of non-cash amortization. Below is the bridge from reported numbers to post-close cash flow available for debt service.
| Line Item | Keto Vitals | We Like Vitamins | Combined |
|---|---|---|---|
| Total Revenue | $3,007,994 | $1,883,812 | $4,891,807 |
| Refunds and Discounts | ($175,905) | ($110,349) | ($286,254) |
| Net Revenue | $2,832,089 | $1,773,463 | $4,605,552 |
| Cost of Goods Sold | ($1,889,415) | ($1,159,422) | ($3,048,837) |
| Gross Profit | $942,674 | $614,041 | $1,556,715 |
| Operating Expenses | ($950,553) | ($694,416) | ($1,644,969) |
| Reported Net Operating Income | ($7,879) | ($80,375) | ($88,254) |
| Add back: Management Fee (discontinues post-close) | $326,604 | $0 | $326,604 |
| Add back: Interest on Refinanced Debt | $46,404 | $155,115 | $201,519 |
| Add back: Amortization (non-cash) | $60,758 | $155,333 | $216,091 |
| Cash Flow Available for Debt Service (SDE) | $425,887 | $230,073 | $655,960 |
| Line | Amount |
|---|---|
| Cash Flow Available for Debt Service (above) | $655,960 |
| Pro Forma Annual Debt Service on $2,171,380, SBA 7(a), 10-year amortization | ($345,000) |
| Pro Forma Annual Cash Flow After Debt Service | $310,960 |
| Pro Forma DSCR | 1.90x |
Pro forma debt service assumes WSJ Prime plus 2.75%, fully amortizing over 10 years. Final terms subject to lender quote. At the SBA 7(a) maximum spread of WSJ Prime plus 3.00%, debt service would be approximately $349,000 and DSCR would be 1.88x. SBA 7(a) underwriting standard is DSCR >= 1.15x; this loan clears the standard by a margin of more than 60 percentage points.
The $300,000 working capital portion is allocated to inventory replenishment for the We Like Vitamins entity, which is currently under-stocked across the top-five SKU set due to constrained working capital under the existing capital structure. Restoring optimal in-stock position is expected to recover sales velocity on the affected SKUs and reduce keyword-rank decay caused by stockout-driven Buy Box loss. Detailed inventory deployment schedule available on request.
This is a generational ownership transition within a single family-operated portfolio. Two senior owners are stepping back from active operations. Three working partners, all family members and all already active in the businesses today, are taking over full ownership and operational control. No outside parties are entering the cap table.
| Operating Entity | Brand | Current Owner | Post-Close Owners |
|---|---|---|---|
| Fast Impact Investors AMZ 1 LLC | Keto Vitals | Hunaid Hakam | Aamir Bhai, Karim Bhai, Ali Hemani |
| UF Supplement Series LLC | We Like Vitamins | Ali Bhai | Aamir Bhai, Karim Bhai, Ali Hemani |
Post-close membership: equal one-third split among the three working partners across both entities. Departing owners remain available for transition support during the first 12 months post-close.
| Component | Amount |
|---|---|
| Refinance: Columbia Bank SBA 7(a) on Fast Impact Investors AMZ 1 LLC (Keto Vitals) | $449,518 |
| Refinance: First Business Bank SBA 7(a) on UF Supplement Series LLC (We Like Vitamins) | $1,421,862 |
| Working Capital: We Like Vitamins inventory replenishment | $300,000 |
| Total Loan Request | $2,171,380 |
| Loan Type | SBA 7(a), single consolidated facility |
| Term | 10 years, fully amortizing |
| Borrower Equity Injection | 10% standby seller note from departing owners (Hakam, Bhai), full standby 24 months |
| Personal Guarantees | Three working partners, full and unconditional, including spousal consents |
| Collateral | UCC-1 on operating assets of both entities; assignment of trademarks where required |
| Pro Forma DSCR | 1.90x |
| Loan to SDE | 3.31x |
| Combined SBA Exposure of New Borrower Group | None outside this facility |
We treat the following risks as material to a lender's underwriting and address each directly rather than leaving them for diligence to surface.
| Risk | Mitigant |
|---|---|
| Amazon Channel Concentration 99.2% KV, 97.1% WLV |
Both brands are Amazon-FBA-native, with Walmart, eBay, D2C, and TikTok Shop live as diversification channels rather than primary revenue. Brand defenses include USPTO-registered marks, NSF certifications (WLV), and 5-plus years of Amazon review history that cannot be replicated by a new entrant. Account health metrics for both seller accounts are in good standing. |
| Keto Vitals SKU Concentration 86.5% from top 2 SKUs |
Concentration is intentional. The two flagship electrolyte powders are the highest-velocity, highest-margin items in the catalog and have held first-page rankings on primary keywords for over four years. The post-close working capital injection is allocated to We Like Vitamins, allowing Keto Vitals to retain inventory cushion on its top SKUs without compromise. |
| WLV Inventory Undercapitalization Identified under existing structure |
This is the working capital ask. The post-close inventory plan restores optimal in-stock position on the top-five SKU set and provides a 60-day cushion that the current capital structure cannot support. |
| Trademark, Liability, and IP Continuity | Both entities hold registered USPTO marks and the operating-entity-level structure preserves the trademark-to-revenue chain through the ownership change. Counsel-prepared assignment documentation will accompany closing. |