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.
TTM Revenue
$4,891,807
Apr 2025 to Mar 2026, accrual basis
Combined SDE
$655,960
Cash flow available for debt service
Loan Request
$2,171,380
Pro forma DSCR 1.90x
Brand 1
Keto Vitals
ketovitals.com · USPTO Registered · Acquired July 2020
Top-rated keto-friendly electrolyte brand on Amazon. Powder stick packs, tub powders, capsules, instant keto coffee, greens blends. Zero-calorie, zero-carb, sugar-free across the line.
Legal Entity
Fast Impact Investors AMZ 1 LLC
Brand 2
We Like Vitamins
welikevitamins.com · USPTO Reg. 5622670 · Acquired January 2021
Broad-line health supplement brand carrying NSF-certified products across vitamins, antioxidants, circulatory health, and skin health. Manufactured in USA in GMP-certified facilities.
Legal Entity
UF Supplement Series LLC
The ask: A single SBA 7(a) Change of Ownership facility of $2,171,380 that consolidates two existing SBA 7(a) loans ($1,871,380 combined) and provides $300,000 in working capital. Ownership of both operating entities transitions from senior family members (Hunaid Hakam, Ali Bhai) to three working partners within the same family. The 10% SBA equity injection is satisfied via a $217,138 standby seller note from departing owners on full standby for 24 months. Lender holds clean first position. No outside parties enter the cap table.
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Brand Performance and Channel Mix
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Keto Vitals
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 (33.3%) | $942,674 |
Brand entity also houses Intego Nutrition, a secondary supplement line contributing $162,912 of TTM revenue. Keto Vitals brand alone is $2,730,243.
We Like Vitamins
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 (34.6%) | $614,041 |
Year-to-date 2026 revenue is running ahead of TTM pace, driven by recovery in the Diosmin Hesperidin and Phytoceramides lines.
Channel mix: Both brands are predominantly Amazon FBA (Keto Vitals 99% Amazon; We Like Vitamins 97% Amazon). Walmart, eBay, Shopify D2C, and TikTok Shop are live as diversification channels. Channel concentration is the most material single risk and is addressed with mitigants on page 6.
Top SKU Concentration
January 1 to May 8, 2026 year-to-date. TTM-window concentration available on request.
| Keto Vitals SKU | YTD | % |
|---|
| 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 of 82 SKUs | $1,011,066 | 98.7% |
| We Like Vitamins SKU | YTD | % |
|---|
| 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 of 148 SKUs | $482,488 | 67.0% |
Sources: QuickBooks Online accrual-basis P&L for both entities (April 2025 to March 2026) for top-line and channel mix. MyRealProfit Profit Dashboard, year-to-date 2026 (January 1 to May 8) for SKU concentration.
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Pro Forma Cash Flow After Debt Service
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The reported TTM net operating loss is fully attributable to two items that resolve at close: a $326,604 management fee that discontinues, and $216,091 of non-cash amortization. The bridge below restates reported numbers as 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) |
| Management Fee (discontinues post-close) | $326,604 | $0 | $326,604 |
| Interest on Refinanced Debt | $46,404 | $155,115 | $201,519 |
| Amortization (non-cash) | $60,758 | $155,333 | $216,091 |
| Cash Flow Available for Debt Service (SDE) | $425,887 | $230,073 | $655,960 |
Debt Service Coverage
| Cash Flow Available for Debt Service | $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 (base case) | 1.90x |
DSCR Sensitivity
| Scenario | SDE | Annual Debt Service | DSCR |
|---|
| Base case (packet add-backs as stated) | $655,960 | $345,000 | 1.90x |
| Realistic (with $150,000 replacement comp for 3 working partners) | $505,960 | $345,000 | 1.47x |
| Stress (rate +200bps, 12.25%) | $505,960 | $379,000 | 1.33x |
| Severe (10% revenue decline, replacement comp held) | $400,000 | $345,000 | 1.16x |
Sources: QuickBooks Online accrual-basis P&L exports for both entities, period April 2025 to March 2026. Pro forma debt service computed at 10.25% interest, 120-month amortization.
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Ownership Transition and Leadership
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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 enter the cap table.
Entity-Level Transition
| Operating Entity | Brand | Current Owner | Post-Close Owners |
|---|
| Fast Impact Investors AMZ 1 LLC |
Keto Vitals |
Hunaid Hakam |
Aamir Bhai, Karim Bhai, Ace Hemani |
| UF Supplement Series LLC |
We Like Vitamins |
Ali Bhai |
Aamir Bhai, Karim Bhai, Ace Hemani |
Why this is a low-risk Change of Ownership for the lender:
- All three incoming owners are already active in day-to-day operations. Zero operating-knowledge transfer risk.
- All three are family members of the existing ownership group. No third-party purchase price, no goodwill financing risk, no acquisition-style integration to manage.
- Equity injection of $217,138 (10% of facility) is funded entirely by a standby seller note from departing owners (Hakam, Bhai), on full standby 24 months per SBA SOP 50 10 7. No cash from new owners required at close.
- Combined operating experience across Amazon FBA, supply chain, inventory planning, and e-commerce marketing exceeds 15 years. Lender holds clean first position with no competing senior debt.
- Post-close working partner compensation is modeled at $150,000 combined (see Realistic DSCR scenario, page 3), well below the discontinued $326,604 management fee.
Leadership Team
Aamir Bhai
Working Partner
Leads deal sourcing, acquisition analysis, and day-to-day portfolio operations. Experienced in SBA-financed e-commerce acquisitions and Amazon FBA brand management. Based in Houston, TX.
Karim Bhai
Working Partner
Manages operational execution, inventory planning, and supply chain logistics across both brands. Focused on profitability optimization and vendor management.
Ace Hemani
Working Partner
Oversees brand strategy, advertising, and multi-channel expansion across Amazon, Walmart, and D2C. Experienced in e-commerce marketing and PPC optimization.
Standard SBA closing diligence package available on request: personal financial statements, three years personal tax returns, and spousal consents for each incoming working partner. Trademark assignment recordings at USPTO will be filed concurrent with close where required.
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Loan Request and Proposed Structure
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Use of Proceeds
| 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 |
Proposed Structure
| Loan Type | SBA 7(a) Change of Ownership, single consolidated facility |
| Term | 10 years, fully amortizing |
| Target Rate | WSJ Prime + 2.25%, hard cap at Prime + 2.50% |
| Equity Injection | $217,138 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; trademark assignment where required |
| Senior Debt Position | Clean first position, no competing senior debt |
| Combined SBA Exposure of New Borrower Group | $0 outside this facility |
| Pro Forma DSCR (base / realistic) | 1.90x / 1.47x |
Working Capital Detail ($300,000)
Allocated to inventory replenishment for the We Like Vitamins entity, currently under-stocked across the top-five SKU set due to constrained working capital under the existing structure. Per-SKU days-on-hand calculation in Schedule B (page 7). Restoring optimal in-stock recovers sales velocity on top-velocity SKUs and reduces keyword-rank decay caused by stockout-driven Buy Box loss. Expected payback period: 90 days at current sell-through rates.
Summary for the credit memo: A $2,171,380 SBA 7(a) Change of Ownership facility consolidating two existing SBA 7(a) loans plus $300,000 of working capital. Three working-partner family-member borrowers, fully personally guaranteed including spousal consents. Equity injection of $217,138 satisfied via standby seller note on full standby 24 months. Pro forma DSCR 1.90x base, 1.47x realistic. Lender holds clean first position. Borrower group has zero other SBA exposure.
All financial figures sourced from QuickBooks Online accrual-basis P&L exports for the period April 1, 2025 through March 31, 2026, exported April 17, 2026. Pro forma debt service computed at WSJ Prime plus 2.75% over 120 months. Final terms subject to lender quote and SBA approval.
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Risk Disclosure
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We treat the following risks as material to a lender's underwriting and address each directly. Mitigants are structured as credit-defense responses, not marketing language.
| Risk | Credit-Defense Mitigant |
|---|
Amazon Channel Concentration
99.2% KV, 97.1% WLV |
Mitigated by (1) operating cash reserve covenant of $200,000 minimum liquid post-close, (2) two independent Amazon Seller IDs (one per entity), so any single account suspension affects only one brand, (3) USPTO-registered marks plus NSF certifications (WLV) and 5+ years of Amazon review history that prevent counterfeit substitution, (4) keyword diversification across 20+ search terms per flagship SKU. Both seller accounts currently in Account Health "Good Standing" — screenshots in Schedule A. |
Amazon Suspension (Binary Risk)
Single-event 30 to 90 day exposure |
Mitigated by (1) two separate seller accounts (single suspension cannot zero both brands), (2) cash reserve covenant absorbing 30 to 90 day reinstatement timeline, (3) live D2C, Walmart, eBay channels available for inventory drawdown during suspension, (4) Walmart inventory pre-positioned at WFS for both brands. Compliance record: zero IP or counterfeit complaints filed against either seller in trailing 24 months. |
Keto Vitals SKU Concentration
86.5% from top 2 SKUs |
Mitigated by (1) category-extension pipeline in market: Instant Keto Coffee with MCT, Electrolytes + Greens, and Keto Electrolyte Capsules each in active sales, (2) defensible flagship blend formulation with manufacturer-locked specification preventing knockoff replication, (3) Buy Box defense through 4-year first-page keyword rankings and review momentum (12,000+ reviews on flagship SKU at 4.5+ star average). Concentration is structural moat, not fragile dependency. |
WLV Inventory Undercapitalization
Resolved at close by this facility |
This is the $300,000 working capital ask. Current days-on-hand by SKU and target restored levels detailed in Schedule B (page 7). Post-close inventory plan restores optimal in-stock on the top-five SKU set within 60 days and provides ongoing 60-day cushion the current capital structure cannot support. |
Trademark and IP Continuity
USPTO recordings on close |
Both entities hold registered USPTO marks. The operating-entity-level structure preserves the trademark-to-revenue chain through the ownership change with no transfer of the mark itself required. Counsel-prepared assignment documentation accompanies closing where any cap-table-level filing is needed. |
Confidential. Prepared for SBA 7(a) Change of Ownership lender review, April 2026. Schedules A and B referenced above are bound at the back of this packet (page 7).
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Diligence Schedule
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Materials prepared for credit officer review. Items marked "in preparation" are pending final compilation and will accompany the lender's term sheet response.
Schedule A · Business Diligence
| Document | Status |
|---|
| Three years tax returns, both operating entities | Available |
| QBO accrual P&L: TTM April 2025 to March 2026, both entities | Bound to packet |
| QBO monthly P&L trend: April 2024 to March 2026, both entities | In preparation |
| QBO balance sheet snapshot: March 31, 2026, both entities | In preparation |
| Year-to-date 2026 P&L through closing month, both entities | Generated monthly |
| Amazon Seller Account Health screenshots, both seller IDs | Available |
| Top-10 SKU revenue trend, 24 months, both brands | Available |
| Amazon FBA inventory schedule by SKU with days-on-hand | Available |
Schedule B · Working Capital Allocation ($300,000)
Per-SKU days-on-hand calculation calibrated against top-five WLV SKU stockout exposure measured at end of Q1 2026. Funding distributed proportionally to revenue contribution. Detailed line-item table in preparation, accompanies term sheet response.
Schedule C · Borrower Diligence
| Document | Status |
|---|
| Personal Financial Statement, all three working partners | Available |
| Three years personal tax returns, all three working partners | Available |
| Spousal consents for personal guarantees, all three working partners | In preparation |
| Replacement compensation plan, post-close, signed by all three partners | In preparation |
| Standby seller note executed by Hakam and Bhai, $217,138, 24-month full standby | In preparation |
Schedule D · Trademark and IP
| Document | Status |
|---|
| USPTO Trademark Certificate: Keto Vitals (registered) | Available |
| USPTO Trademark Certificate: We Like Vitamins (Reg. 5622670) | Available |
| Proposed assignment documentation, counsel-prepared | In preparation |
Confidential. Prepared for SBA 7(a) Change of Ownership lender review, April 2026. Underlying financials are QuickBooks Online accrual-basis exports for both operating entities, period April 1, 2025 through March 31, 2026.
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