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 |
A sale changes more than ownership.
Considering a business sale, planning succession or evaluating an offer? JB Schmid Consulting helps owners prepare and negotiate the commercial decisions, with attention to proceeds, continuing obligations and the next use of capital.
For decisions with personal consequences.
The advisory work is aimed at owners of established SMEs and buyers who want to consider valuation, financing and handover together. Your particular project is the starting point, rather than a generic industry multiple.
Your counterpart: Joel Schmid.
Banking experience, personal entrepreneurial decisions and a particular focus on sales and negotiations. Scope, responsibilities and fees are agreed for each engagement. Specialist legal and tax questions are addressed by the appropriate professionals.
What we clarify together
- 01
Objectives and starting point
What should the sale make possible? What role would you retain, what timing works and how much liquidity do you need?
- 02
Value and transferability
Assess sustainable earnings, dependencies and financeability. Make assumptions and unresolved issues explicit.
- 03
Offers and terms
Consider price, immediate cash, earn-outs, vendor loans and remaining risk together. Prepare the commercial negotiation.
- 04
Handover and capital
Account for obligations after completion and plan the next use of capital from proceeds that are actually available.
Before the first conversation
Do I need to have decided to sell?
No. An initial conversation can help you explore a sale, consider succession or assess an existing offer.
What information is useful initially?
Annual accounts, recent trading figures, owner remuneration, financial debt and your handover objectives are useful. You do not need to upload these documents to make an initial enquiry.
What does an advisory engagement include?
We agree this after an initial discussion. An online scenario is not a valuation instruction or sale mandate. Services, fees and responsibilities are agreed in advance.
Insights
All insights
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