A clear basis for your next decision.
What is your company
worth to you?
Understand the value, negotiate the payment structure and see what your capital can do next.
Illustrative assumptions. Replace them with your own figures.
After debt, entered transaction costs and tax budget. Deferred and conditional payments are excluded.
Provisional until sale taxes have been assessed.
Make the assumptions visible.
Choose which method drives your proceeds. These are model values, not a market appraisal.
What could follow the sale?
Allocate the immediately available proceeds. Compare the effect of investing without debt or with property financing.
First-year income · after modelled tax
Constant assumed net return, reinvested annually. No guarantee; actual returns fluctuate.
What purchase price
can the business support?
Translate earnings into financing capacity. Test the asking price, equity needs and the cash remaining in a weaker year.
Cash conversion includes your cash taxes, investments and working-capital needs.
Annual cash remaining after debt service
At your chosen cash conversion and coverage. Not an appraisal or a bank commitment.
Compare this with sustainable earnings, after a market-based owner salary.
Sources and uses · repayment schedule
Existing net debt is refinanced at closing. Enterprise value plus transaction costs and additional working capital equals total funding needs.
| Year | Interest | Principal | Remaining debt |
|---|---|---|---|
| 1 | 125’000 | 307’050 | 2’192’950 |
| 2 | 109’648 | 322’402 | 1’870’548 |
| 3 | 93’527 | 338’522 | 1’532’026 |
| 4 | 76’601 | 355’448 | 1’176’578 |
| 5 | 58’829 | 373’221 | 803’357 |
| 6 | 40’168 | 391’882 | 411’476 |
| 7 | 20’574 | 411’476 | 0 |
JOEL SCHMID · FOUNDERA banker's understanding.
An owner's perspective.
I know finance from the banking side. And investment decisions from putting my own capital to work.
My career spans Credit Suisse, Raiffeisen, PostFinance and Valuu. Alongside banking, I built my own experience in property investment, financing and development—from a first apartment to larger investment projects.
Today I work selectively with entrepreneurs and investors. Company sales, negotiations and the next use of capital are particular areas of focus. I enjoy finding the commercial logic and bringing the right people together. Direct, discreet and personally involved.
Also a partner at Capital Protect. The relevant firm, services and responsibilities are clarified for each mandate.
A coffee.
A conversation.
A new perspective.
An interesting project. A question that deserves a second opinion. Or an introduction with potential. That is a good place to start.
Coffee in Zurich · Lunch · Video from anywhereconnect@jbschmidconsulting.com