Seller Underwriting Report
What is your business worth, what can a buyer actually finance, and what should you ask for it? One analyst-reviewed report that answers all three, built on data only Alpine aggregates.
- →Analyst-reviewed, delivered within 3 business days
- →5-page PDF: value, financing, pricing, buyers, levers
- →No subscription, no commitment to list or sell
- →Listing and the AI valuation stay free
You order it from your free valuation result. It is an estimate, not an offer and not a formal valuation for tax or court purposes.
See it in 42 seconds
From a few figures to a priced, financeable business: the report as a seller experiences it.
Four questions the report answers
The questions owners find hardest to answer alone, and the ones buyers and banks ask first.
What is it worth?
A value range (low, central, high) from three methods on your normalised earnings: Swiss EBITDA, SDE and revenue multiples for your sector. Every owner add-back, from your own salary to one-off costs, is shown line by line so a buyer can check it.
What can a buyer actually pay?
The price a typical Swiss buyer can finance: 50% bank debt (capped at 3x EBITDA, with cash covering debt service 1.25 times), a 20% seller loan and 30% buyer equity. You see where bank financing caps the price, often below what the business is worth on paper.
How should I price it?
A recommended asking price, an expected deal price and a walk-away floor; a price versus value table that shows which prices a buyer can finance; and where your asking price sits against comparable Swiss asking prices.
Who will buy, and when?
How many registered Alpine buyers have criteria that fit your sector, canton and price (a count, never identities), how many companies in your sector and canton show succession signals (competing supply to come), and how many comparable businesses are for sale now.
Why only Alpine can build this report
A generic calculator applies one multiple. This report combines data Alpine aggregates and nobody else holds in one place.
Cross-portal asking prices
Alpine aggregates Swiss business-for-sale listings across portals into one price barometer, including listings since withdrawn, so even thin sectors have comparables. They are asking prices, not transaction prices, and the report says so.
Real buyer criteria
Registered Alpine buyers set acquisition criteria: sector, canton and budget. The report counts how many fit your business today, without revealing who they are.
Succession intelligence
Alpine scores Swiss companies from the commercial register (ZEFIX) and the SOGC gazette for succession signals. That shows how much competing supply is coming in your sector and canton.
The buyer's own model
Buyers on Alpine underwrite deals with Alpine's buyer-side model. Your report shows how that model rates your asking price, before a buyer ever runs it.
Swiss bank financing logic
The financing ceiling uses the limits Swiss banks typically apply to SME acquisitions (debt as a multiple of EBITDA, debt-service cover, seller loans), not a generic rule of thumb.
Five value levers
Owner dependence, customer concentration, lease security, documented processes and clean three-year financials, each with an estimated effect on the multiple, a next step, and a sale-readiness score out of 100.
What the report looks like
Three of the five pages, computed by the real model for a fictional business.
Navy: value range. Amber: central estimate. Dashed green: what a buyer can finance. Red: recommended asking price.
| Price | vs central | Financeable |
|---|---|---|
| CHF 489k walk-away floor | -36.7% | Yes |
| CHF 759k expected deal price | -1.8% | Yes |
| CHF 773k central value | 0% | No |
| CHF 830k recommended asking price | +7.4% | No |
| CHF 1.1m high value | +41.9% | No |
- Biggest leverOwner dependenceest. +0.5x to +1.0x EBITDA if improved
- Could improveCustomer concentrationest. +0.2x to +0.3x EBITDA if improved
- Could improveLease securityest. +0.2x to +0.3x EBITDA if improved
- Could improveDocumented processesest. +0.1x to +0.2x EBITDA if improved
- StrengthClean three-year financialsno discount expected
Lever impacts are estimates from typical Swiss SME buyer discounts, not a promise of a higher price.
How it works
Run the free AI valuation
Enter a few figures and get an instant estimate at no cost.
Order the report from your result
CHF 290, paid once by card through Stripe. No subscription.
Answer a few questions
The analyst emails you for what the report needs: your salary, private or one-off costs, your lease, your largest customer's share.
Receive your report
A 5-page PDF, analyst-reviewed, within 3 business days. If we need a figure from you, the days start when we have it.
What the report is, and what it is not
- →An estimate from the figures you provide and Alpine's benchmarks, reviewed by an analyst for plausibility, not audited.
- →Not an offer, and not a promise of any sale price.
- →Not a formal valuation for tax, inheritance, divorce or court purposes, and not a fairness opinion.
- →Financing terms are typical Swiss assumptions, not a bank offer.
- →Market comparisons use asking prices, not transaction prices.
- →Not investment, tax or legal advice.
Questions sellers ask
Is listing my business still free?▾
How is it different from the free AI valuation?▾
What do I need to provide?▾
Who sees my figures?▾
Can I show it to my bank, adviser or a buyer?▾
How long does it take?▾
Start free, upgrade when you are ready
Run the free AI valuation first. From your result you can order the Seller Underwriting Report for CHF 290.
Start the free AI valuationQuestions first? info@alpinebusiness.ch