M&A in action · worked case

Entering the fibre market

An infrastructure platform wants to own fibre. It can build a network, buy a finished one, or buy a small network and build on it. This is the whole thing worked through at the level a deal team would run it, the three routes compared live, the auction end to end, the capital structure and financing in depth, the valuation maths, and exactly who you call.

Tip, hover (or tap) any underlined term for a definition.

Our platform, a mid-market infrastructure fund with a fresh allocation to digital, has set its thesis: full-fibre is a once-in-a-generation rebuild of the access network, with monopoly-like local economics once a street is built and penetrated. The UK is the worked example: the copper network switches off in January 2027, government backs gigabit coverage through Project Gigabit, and the market is fragmented across more than a hundred altnets, many sub-scale and loss-making (sector accounting losses passed £1.5bn in 2024). That fragmentation, and the overbuild it created, is forcing consolidation. The question is not whether to enter, but how.

01, The thesis

What we are actually underwriting

Fibre has the infrastructure characteristics a fund underwrites, an essential service, very high barriers to a second build, 30-year-plus asset life, and a recurring, inflation-linked subscription once connected. But it is not a regulated annuity on day one: a greenfield network is a development asset that burns cash building homes passed, then inflects to a high-margin annuity as penetration climbs. Three variables decide the case.

Overbuild

The single biggest risk. If a second or third network builds the same streets, penetration and ARPU both fall. Diligence orbits one question: is this footprint defensible? A network that is sole-fibre in its towns is worth a different multiple to one fighting two rivals.

Penetration

The flywheel. Build cost is fixed per home passed; the return is earned on take-up × ARPU. Below ~25–35% a network loses money; at 45%+ it is a star. The penetration ramp by cohort, how fast each year’s build fills up, is the most-debated line in the model.

Build & capital

Front-loaded capex of £300–£600 per home passed in efficient urban builds (much more rural), before the cash turns. You need a build machine, civils, wayleaves, vendors, and committed capital to fund the J-curve without stalling mid-build.

The mandate sets the frame: a core-plus / value-add return target (low-to-mid-teens equity IRR), a 7–12 year hold, a wholesale / open-access model to stay capital-light on retail, and a footprint we can scale to an exit that a larger infrastructure fund, a strategic, or the public markets will buy. The reference build for how this is financed is CityFibre’s 2022 package, c.£4.9bn of debt plus equity from Antin, Goldman Sachs, Mubadala and others, to fund a rollout to ~8m premises: the largest full-fibre financing Europe had seen, and the template a new entrant is measured against.

02, The strategic question

Build, buy, or buy-and-build

Three ways in, the same end-state footprint. They differ in who creates the value, you, at cost, taking the risk, or a seller you pay a multiple, how fast you reach scale, how much equity is at risk through the J-curve, and how much execution rests on your own team.

DimensionBuild it yourselfBuy a full networkBuy small & build
Speed to scaleSlow, years of buildInstant, at completionMedium, platform now, build on
Value captureHighest, built at costLowest, pay a full multipleHigh, blend
Execution / build riskHighestLowest, already builtHigh, but a team in place
Penetration riskFull, ramp from zeroLow, proven take-upMixed
Equity at riskPhased, lower totalLarge, day onePhased
Competition for the dealNone, you originate itHigh, auctionedMedium
Entry valuation basisbuild cost / homeEV/EBITDA (full multiple)EV/home + build at cost
Best when…defensible whitespace & a build machinescale fast, low risk, can win the auctiona credible sub-scale platform is for sale

Now put numbers on it. The comparator runs one funding model three ways over the same target footprint, a cohort penetration ramp, a capex/acquisition funding waterfall (senior debt to a cap, equity fills the gap, surplus sweeps debt then distributes), and an exit at a market multiple.

Build vs buy vs buy-and-build · fibre platform
Footprint & build
000s
£
£
yrs
Demand
%
yrs
£/mo
%
Financing & exit
×EB
%
×
yrs
Route-specific pricing
×
%
×
Scenario flexes penetration, build cost & exit multiple

Build-route equity IRR, penetration (down) × exit multiple (across)

Each cell re-runs the greenfield route at that penetration and exit, holding everything else at the current settings; the outlined cell is today’s case. Penetration is the dominant axis, the visual case for why the overbuild map matters more than the financing.

How it works. All three routes converge on the same end-state footprint, so they are compared like-for-like. Each year, homes passed are built on a schedule (or acquired at entry); penetration ramps each cohort to the steady-state level; revenue = connected homes × ARPU (growing with inflation) × 12; EBITDA = revenue − opex. A funding waterfall draws senior debt up to the cap (a multiple of mature EBITDA), equity fills any gap, and once cash-generative the surplus sweeps debt then distributes; the exit adds the equity value at the chosen multiple. Building flatters the point estimate because it books value at construction cost, but it carries the execution and penetration risk a single IRR can’t show. Illustrative only; not a forecast or investment advice.

03, The maths

The unit economics, and how you value it

Everything reduces to four numbers and one curve. Get fluent in these and the diligence, the model and the negotiation all follow.

Homes passed vs homes connected

Homes passed is the footprint, premises the fibre runs past, ready to connect. Homes connected is the subset actually taking service. The ratio is penetration. You spend to pass; you earn on connect.

Build cost & connection cost

Build cost per home passed (civils, fibre, PON electronics, ~£300–£600 urban, far higher rural) is the fixed bet. Connection cost (the drop and the ONT, ~£150–£300) is incurred only when a customer signs, capex that follows revenue. Using the incumbent’s ducts and poles via PIA is the main lever on build cost.

ARPU & the wholesale stack

ARPU is monthly revenue per connection. A wholesale network charges ISPs a rental (~£10–£25); an integrated one bills the consumer (higher ARPU, but retail cost and churn). Most infra capital prefers wholesale, capital-light, neutral, contracted via an anchor tenant.

The flywheel & the J-curve

Because cost is fixed per passed home and revenue scales with take-up, early years are cash-negative, the bottom of the J-curve. Past break-even penetration the network inflects into a high-margin annuity. There are two break-evens to track: EBITDA break-even and, later, cash break-even (after interest and capex). The art is funding the trough without a covenant breach.

Valuation, and the arbitrage the builder captures

How you value a fibre network changes with maturity, and the gap between the two methods is the whole game:

StagePrimary metricWhyTypical range
Early / buildingEV per home passed + a DCF of the rampEBITDA is negative or meaningless; you are buying a footprint and a forecast~£200–£900 / home, by penetration & overbuild
Mature / penetratedEV / EBITDAA stable, cash-generative annuity is valued like onelow-to-high teens ×

The builder’s edge is the build multiple. If you can build and connect a home for, say, £500 of passed cost and that home (at 42% penetration, £17 ARPU) contributes EBITDA worth ~£60 at a 14× exit… the arithmetic is the other way round: the network is created at an implied entry multiple of roughly build cost ÷ mature EBITDA per home, often 8–11× if the build is efficient, and exits on a mature 13–15×. Buying a finished network hands that spread to the seller; building keeps it (if you execute). That single fact is why the build and buy-and-build routes out-return buying in the comparator, and why the return is earned, not bought.

The model in practice. A deal team runs two linked models: a monthly construction model (build velocity, capex draws, wayleave and PIA timing) feeding an annual operating model (cohort penetration, ARPU, opex, the debt waterfall and the DSCR). The valuation lens (DCF cross-checked against EV/home and EV/EBITDA comps) and the returns lens (the LBO) both read from it, and a quality-of-earnings review and an independent model audit sit underneath.

Evidence, digital-infrastructure comps

The valuation does not happen in a vacuum, you triangulate against where comparable digital-infrastructure assets have actually traded. A selection (announcement values, as reported):

TargetAcquirerYearValueRead-across
Netomnia / Substantialnexfibre (InfraVia, Liberty, Telefónica)2024EV €1.5bnUK altnet consolidation; reported ~10× forward EBITDAaL
Telecom Italia NetCoKKR-led consortium2024EV ≤€22bnNational fixed network carved out as pure infrastructure
CityFibre (financing)Antin, Goldman, Mubadala +2022£4.9bn debtThe UK altnet build template, scale funds the J-curve
CyrusOneKKR + GIP2021$15bnData-centre take-private, digital firmly an infra asset
AirTrunkBlackstone + CPP2024A$24bnHyperscale at scale; the AI-demand bid for capacity

→ See the full digital-infrastructure deal set in the deals database

04, The deal, step by step

Running the process, at a banker’s level of detail

This follows the eight phases of the M&A lifecycle, specialised to fibre. Building is an internal capital-allocation and financing exercise; buying is a competitive two-round auction; a buy-and-build runs the full process for the platform, then a lighter version for each bolt-on. Indicative timing is for a buy.

Phase 1 · weeks −8 to 0

Origination & strategy

Fix the thesis precisely: geography, footprint, wholesale vs integrated, return and hold, and the overbuild map, which postcodes are unbuilt, who else is building, where you can be first or second. Source the entry: for buy/B&B, mandate a buy-side adviser and work the altnet founders, corporate carve-outs (a telco spinning out infra) and secondaries; for build, line up the build platform, land/wayleave access and an anchor ISP.

In real life: brief 2–3 infrastructure-focused advisers, build your own overbuild map from regulator and commercial data, and decide your route before you see a teaser.

Phase 2 · weeks 0–4

First look, teaser, NDA, IM, data room

A teaser arrives; sign the NDA and receive the Information Memorandum, vendor due diligence and access to the data room. For fibre the case lives in a few exhibits: the homes-passed build plan and actuals, the penetration curve by cohort, ARPU and churn, build cost per premise (planned vs incurred), the ISP/wholesale contracts, and the overbuild exposure. Build a first-cut model and a value range.

In real life: the seller runs it to a process letter; some sellers attach a stapled financing to set a debt benchmark. Your output is a fast internal screening paper.

Phase 3 · week 4

Indicative (non-binding) offer

Submit the NBO: a value range (on EV/home for an early-stage network, EV/EBITDA for a mature one), structure, financing approach, conditions and timetable. Win a place in round two and the deeper data room. For a build, the equivalent gate is an Investment Committee mandate to commit development capital.

In real life: the NBO is a relationship document too, sellers shortlist on price and certainty (your track record of closing and funding the build).

Phase 4 · weeks 4–12

Due diligence

The core work, run as parallel workstreams: Commercial, the overbuild and footprint analysis, penetration-curve realism, ARPU sustainability and ISP demand; Technical, network design (GPON / XGS-PON), build cost and build velocity actuals, as-builts, wayleaves and duct/pole access; Financial & tax, quality of earnings, capex capitalisation, the holdco/opco structure and capital allowances; Legal & regulatory, wayleaves and the Electronic Communications Code, street-works permits, ISP contracts, telecoms regulation and change-of-control. Lenders run their own technical and model diligence in parallel.

In real life: appoint a commercial-DD house, an independent technical adviser, a Big-Four financial/tax team, a model auditor and infra/telecom counsel, see "Who to call".

Phase 5 · week 12

Binding offer & documentation

Submit the binding offer with a marked-up SPA, an equity commitment letter, committed (or highly-confident) debt and final IC approval. Negotiation centres on the price mechanism (locked-box in a competitive auction, fixing the price to a locked-box date with a no-leakage covenant, vs completion accounts), warranties and W&I insurance, the capex/build commitments, management incentives, and the conditions precedent. The seller may grant exclusivity to the preferred bidder.

In real life: W&I is placed through a broker; management is locked in with a co-invest/ratchet because the build plan is the value.

Phase 6 · +2–4 months

Signing to completion

Clear the conditions precedent: merger control, telecoms-sector consent and foreign-investment screening (in the UK, the NSIA), and lender conditions. Reach financial close on the debt, the facilities agreement, security and hedging, and complete with the SPA and debt interconditional so equity and debt fund simultaneously per the funds flow.

In real life: FDI/NSIA clearance on communications infrastructure is a real timetable item, build it into the long-stop date.

Phase 7 · years 0–7

Ownership & value creation

Now the work that makes the money: run the build machine to plan, accelerate penetration (ISP onboarding, copper switch-off tailwinds, marketing), drive opex efficiency, execute bolt-on acquisitions of neighbouring altnets, and refinance the expensive greenfield facility into cheaper, longer debt as the EBITDA appears (next section).

In real life: the 100-day plan installs the board, the KPI pack (homes passed/connected, penetration by cohort, build cost/premise, ARPU, churn, DSCR) and the bolt-on pipeline.

Phase 8 · years 7–12

Exit

Once built and penetrated, the network re-rates from a development asset onto a mature EBITDA multiple. Exit to a larger infrastructure fund or strategic consolidator, sell down to a long-hold/open-ended vehicle, recapitalise, or, at scale, IPO. Consolidation is the most common destination; the recent UK wave (e.g. CityFibre acquiring Connexin; the Jurassic / Swish / Giganet merger into AllPoints Fibre) is exactly this arc.

In real life: re-appoint a sell-side adviser ~12 months out and dress the asset, clean cohorts, contracted ISP revenue, a fundable build pipeline for the next owner.

05, Capital structure & financing

How the build is actually funded

Fibre debt evolves with the asset. You cannot raise long-dated investment-grade money against a network that does not yet generate cash, so the structure is built in stages, and getting the staging right is most of the financing skill.

Stage 1, the greenfield / altnet capex facility

At entry you raise a capex facility at the operating company, a term loan plus a committed capex line and a revolver, drawn in tranches against build milestones during an availability period. Because there is little EBITDA early, lenders size it on the business plan, not trailing earnings, and protect themselves with structure rather than coverage:

Sizing

  • To a minimum DSCR and a maximum gearing / LTV on the projected mature EBITDA and asset value
  • Often expressed as a target net debt / mature EBITDA, the comparator’s "senior debt" lever

Protections

  • A debt-service reserve (DSRA)
  • A cash sweep before any distribution
  • An equity cure right and milestone covenants on homes passed / penetration
  • Mandatory interest-rate hedging

Costs & carry

  • A margin over the reference rate, often on a ratchet that falls as the network de-risks
  • A commitment fee on undrawn capex headroom
  • Negative carry, interest paid before the cash turns, funded by equity

Where the senior facility cannot reach, the gap is filled with holdco debt or PIK from infrastructure debt funds, structurally subordinated to the opco lenders, and the rest with equity (the fund’s cheque plus co-invest, sometimes smoothed by an equity bridge).

Exhibit, indicative greenfield capex-facility term sheet (illustrative)
BorrowerOpco (ring-fenced), under a holdco/opco structure
FacilitiesTerm loan + committed capex facility + RCF (+ DSRA facility)
Tenor5–7 years (greenfield); refinanced longer once stabilised
AvailabilityCapex line drawn over a 3–4 year availability period against build milestones
MarginReference rate + a margin on a ratchet that steps down as leverage falls; commitment fee ~35–40% of margin on undrawn
SizingMin DSCR ~1.5–2.0× on projected mature cash flow; max gearing / LTV against mature value
CovenantsDSCR & gearing tests; homes-passed / penetration milestones; equity cure right
Cash controlCash sweep before distributions; 6-month DSRA; mandatory interest-rate hedging (~75%+)
SecurityFull debenture, share pledges, account & wayleave assignments; intercreditor with any holdco/PIK lenders

Stage 2, the refinancing ladder

As homes fill up and EBITDA appears, you term out the expensive greenfield debt into progressively cheaper, longer money, each step lowering the cost of capital and releasing equity:

As the asset…Refinance into…Provided by
is mid-build, partly penetrateda larger bank-and-fund capex / term facilityinfra banks + debt funds, club or underwritten
is built & cash-generativea Term Loan B or a long-dated bank facilitythe leveraged-loan and infra-bank market
has stable, contracted cash flowa US private placement or infrastructure bondUS insurers; institutional bond buyers
is at scale & investment-grade-likea whole-business securitisationa structured, ring-fenced bond platform

You mandate a debt advisory team to run this: build the lender model and information memorandum, engage the rating agencies, and run a lender process (club or underwrite) to financial close. A refinancing as the asset de-risks is a deliberate part of the return, model it explicitly in the acquisition model’s refinancing toggle.

Tax shapes the structure. Deductible debt at the opco is capped by the UK corporate interest restriction (~30% of tax-EBITDA), so heavy early interest may not all shield tax; capital allowances on the build do the early sheltering instead; and the quoted Eurobond exemption is used so cross-border lenders are paid gross of withholding. The holdco/opco chain and any shareholder loans are set at entry, with the exit and co-investors in mind.

06, Translating it to real life

Who you actually call

A deal this size is run by a syndicate of advisers and capital providers. The categories below are the ones you mandate, with illustrative examples of firms active in infrastructure and digital, examples, not endorsements or advice; pick on relationship, sector credentials and conflicts.

Advisers, the deal team

Financial / M&A adviser

Runs your buy-side bid (or your build financing), the infrastructure / telecom-infra teams at the banks, or a specialist boutique.

  • Bank infra teams, e.g. Morgan Stanley, J.P. Morgan, Goldman Sachs, Barclays, BNP Paribas, RBC, Santander
  • Boutiques, e.g. Rothschild & Co, Lazard, Evercore, DC Advisory; telecom-infra specialists Bank Street, Q Advisors, TAP Advisors

Commercial DD

The overbuild map, penetration-curve and ARPU view, the single most important report.

  • Telecom-economics specialists, e.g. Analysys Mason, Plum Consulting, Arthur D. Little, CIL, OC&C

Technical DD (ITA)

Network architecture, build cost & velocity, as-builts, wayleaves, also serves the lenders.

  • Engineering & network advisers, e.g. Mott MacDonald, Atkins (Jacobs), WSP and independent telecom-network ITAs

Financial, tax & model audit

Quality of earnings, structuring, and an independent audit of the model everyone relies on.

  • Transaction services & tax, the Big Four (Deloitte, PwC, EY, KPMG)
  • Model audit, e.g. Operis, Mazars, Grant Thornton

Legal counsel

SPA, financing, wayleaves/PIA, regulatory and FDI, infra/projects and telecom teams.

  • e.g. Linklaters, Clifford Chance, A&O Shearman, Freshfields, Herbert Smith Freehills, CMS, Pinsent Masons, Ashurst

Insurance & W&I

Places warranty & indemnity cover and arranges construction/operational insurance.

  • Brokers, e.g. Marsh, Aon, Howden, WTW, placing with specialist W&I insurers
Debt finance, who lends at each stage

Mandate a debt advisory team to run the financing, build the lender model, engage the agencies and arrange the club. The lenders change as the asset matures:

Relationship & infra banks

The senior facility and capex line, the project & infrastructure finance desks.

  • e.g. BNP Paribas, Santander, SMBC, MUFG, ING, NatWest, Lloyds, Crédit Agricole, Société Générale, ABN AMRO, CaixaBank, Investec

Infrastructure debt funds / private credit

Stretched senior, holdco and mezzanine, longer-dated, more flexible, more expensive.

  • e.g. AXA IM Alts, Macquarie (MIDIS), Allianz Global Investors, IFM, BlackRock, Apollo, Ares, Blackstone Credit, Sixth Street, Infranity, Pemberton

Public & development lenders

Long-tenor, lower-cost capital for nationally-important coverage; export credit where vendor finance applies.

  • e.g. the European Investment Bank, the UK National Wealth Fund (ex-UKIB), KfW IPEX and national promotional banks; export credit agencies
Equity, partners & operations

Equity & co-investment

Your fund’s commingled equity, plus co-invest syndicated to LPs (pension, insurance and sovereign funds) to manage concentration, and sometimes a strategic or anchor-ISP partner.

Build & vendor partners

PON equipment vendors (e.g. Nokia, Adtran, Calix), civils and build subcontractors, and an in-house or contracted build-management team, the engine of the whole plan.

Access & demand

The incumbent’s duct-and-pole access (Openreach PIA in the UK), the regulator (Ofcom) on the rules, and anchor ISPs contracted to drive penetration on day one.

07, The Investment Committee case

Risk, sensitivities & downside protection

The IC does not debate the base case, it debates the downside. The point estimate (especially for building) is the easy part; the work is sizing what goes wrong and what protects you. The sensitivities that move a fibre case most, in rough order:

SensitivityWhy it bitesWhat protects you
Overbuild / penetration missA 10pt lower steady penetration can halve the equity return, fixed cost, less revenueDefensible (sole-fibre) footprint, anchor-ISP volume commitments, conservative ramp underwriting
Build-cost overrun & delayHigher cost / home and a slower ramp deepen and lengthen the J-curve, and the negative carryFixed-price build contracts with KPIs/LDs, PIA to cut civils, capex contingency, milestone covenants
ARPU compressionPrice competition from the incumbent or rival altnets erodes ARPU and the EBITDA per homeWholesale contracts, service quality, switching costs, copper switch-off tailwind
Rates & refinancingHigher rates raise the cost of the floating greenfield debt and the exit cap rateMandatory hedging, a conservative exit multiple, the DSRA buffer
Exit multiple contractionYou build at cost but exit on a multiple that may have de-ratedUnderwrite a flat-to-lower exit; rely on EBITDA growth and deleveraging, not re-rating

The IC pack therefore carries a base / management / downside case set, one- and two-way sensitivity tables on penetration × build cost and entry × exit multiple, a break-even penetration (the take-up at which the equity return hits the hurdle), and covenant headroom through the trough (how far penetration can miss before a DSCR breach forces an equity cure). Genuine downside protection in fibre comes from contracted anchor revenue, any Project Gigabit subsidy on rural premises, the copper switch-off tailwind, and the simple fact that an over-levered builder’s footprint is itself a scarce, financeable asset a consolidator will want. Run the two-way sensitivity yourself on the acquisition model.

08, The decision

When each route wins

There is no single answer, the comparator shows the trade-off moving with the assumptions. As a rule of thumb:

Build it yourself

When there is genuine defensible whitespace, you have or can hire a proven build machine, and your LPs will fund a J-curve for a higher return. Highest value capture, highest execution risk, the return is earned.

Buy a full network

When you need scale and cash flow now, want to avoid build risk, and can win a competitive auction at a price that still clears your hurdle. You pay for certainty, lower ceiling, lower variance.

Buy small & build

The route most fibre platforms actually take: acquire a credible sub-scale altnet for its team, systems and footprint, then fund the organic build and roll up neighbours. Entry discipline plus build upside, if management can really execute.

In practice a platform often does all three over a fund’s life, enter via a buy-and-build, accelerate with organic build where it has whitespace, and bolt on full-network acquisitions to consolidate, then exit the combined platform to the next, larger owner. That consolidation arc is the fibre investment story of the decade, and it is playing out across the UK altnet market right now.

09, Notes

Notes & disclaimer

Market context (build costs, the CityFibre financing, the January 2027 PSTN copper switch-off, Project Gigabit, and the altnet consolidation wave) is drawn from public company, regulator and trade-press disclosure and is illustrative. Unit economics are grounded in the site’s fibre networks reference. The comparator is a simplified model, it omits churn detail, working capital, the full tax structure, refinancing and construction phasing, and is for illustration, not a forecast of any specific network. Named firms are illustrative examples of the categories of adviser and lender active in infrastructure; they are not recommendations, endorsements or investment, legal, tax or financing advice. Always take your own professional advice on a live transaction.