I support business sales, moves to Switzerland and property decisions – from commercial assessment through to negotiation.
Joel Schmid · Your personal advisorUnderstand banking · Think as an owner · Negotiate personally
IllustrationI help owners prepare, assess and negotiate a company sale. With attention to value, terms and the capital available to you afterwards.
I help entrepreneurs and investors assess the commercial case for Switzerland and prepare the next steps. Your business, personal position and wealth belong in the same decision framework.
I support owners and investors with the purchase, sale and financing of investment property. The focus is how the asset, its income and your next use of capital fit together.
JOEL SCHMID · JB SCHMID CONSULTINGI know financing from the banking side and investment decisions from putting my own capital to work.
My career spans Credit Suisse, Raiffeisen, PostFinance and Valuu. I understand the questions financiers ask.
My own investments, financing and developments shape how I assess tied-up capital, income and risk.
I focus on selected projects where commercial clarity, the right counterpart and the terms make a difference.
EMBA · Digital Transformation | MAS · Business Administration | HSG Executive Education · M&A & Corporate Strategy
Also a partner at Capital Protect ↗. The contracting firm and responsibilities are clarified for each mandate.
Want a feel for the figures before a conversation? Our calculators explain the relationships and let you adjust the assumptions directly.
Adjust EBITDA, valuation and payment terms. See how available capital and reinvestment change. A purchase and financing view is also included.
Compare Germany, Austria, France or your own assumptions with a Swiss scenario. Include the business, owner salary and wealth.
Model a sale through to available capital. Then assess reinvestment or switch to the purchase and financing view.
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Ideas, figures and perspectives for your next decision.
SwitzerlandNEWSwiss consumer sentiment gives context, but no sales forecast. The key question is how long your reserve lasts.
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PropertyShort-term rentals can raise turnover, but free cash flow, financing capacity and local rules decide. A sober pre-purchase calculation is essential.
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BusinessProfit says little about the sale price: working capital, payment terms and the agreed handover mechanics shape the transaction.
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SwitzerlandThe piece measures the open EUR/CHF position of a Swiss site and shows what remains after revenue and costs are netted.
Read articlePropertyCompare the historical rental yield, the current sale value and a new project in the same calculation. Three original charts show the capital base, the proceeds that can really be redeployed, and the role of time and downside risk in project returns.
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PropertyWhy the financeable amount comes before the interest-rate comparison. Two charts illustrate equity requirements and cash flow at different financing ratios.
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BusinessHow adjusted EBITDA and valuation multiples work together. An illustrative example and a practical starting point for Swiss SME owners.
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BusinessCompare immediate cash, contingent consideration and vendor financing. An illustrative payment example and questions for a sale negotiation.
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BusinessBridge enterprise value to equity value and cash at completion. A practical proceeds example for owners considering a business sale.
Read articleTell me about your situation. We clarify which questions to address first and whether working together makes sense.
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connect@jbschmidconsulting.com