The Business Owner module connects a business planning record to its balance-sheet asset so you can review ownership, cash flow, valuation, concentration, exit intent, and estimated sale proceeds in one place.
Create or link a business
Open the client and go to Planning → Business.
Select Add business.
If Kerdora finds an unlinked Business asset, choose that asset in Link to an existing business? or select Create new.
If there is no unlinked Business asset, Kerdora creates a new planning record and matching balance-sheet asset.
Open the business from the list to enter its planning details.
Link an existing asset when the business is already on the balance sheet. Create new when neither record exists. The linked balance-sheet value is driven by the business planning valuation.
Complete the business profile
Under Business details, review these sections:
Profile: Business name, Entity type, Industry, Your ownership %, and Your role. Roles are Operator, Semi-passive, and Passive.
Financial snapshot: Annual revenue, annual SDE or EBITDA, Owner annual cash flow, Total business assets, and Business debt.
Valuation: Method, inputs, and where available the Earnings basis.
Exit intent: Exit type, Target exit year when applicable, Buy-sell agreement, and Buy-sell valuation.
For operator-owned businesses, Kerdora uses SDE-oriented inputs. For passive ownership, EBITDA is generally the relevant earnings label. Enter ownership accurately because the client-share values depend on it.
Choose a valuation method
Select the method that matches the available information:
Multiple of EBITDA for an EBITDA-based earnings valuation.
Multiple of SDE for an owner-operated earnings valuation.
Asset-based for Total business assets minus Business debt.
Manual to enter a valuation directly.
When SDE history is available, use SDE Walkback to enter the supported add-backs and select Apply [year] SDE to planning. The available Earnings basis can use the current year, a three-year simple average, or a three-year weighted average.
Review the planning cards
The right side of the business record summarizes:
Valuation, including the client's ownership share and projected value when an exit is modeled;
Concentration, which compares the business with the household's net worth;
Sale Proceeds, when the exit assumptions support a sale calculation; and
Cash Flow, based on Owner annual cash flow.
The exit choices are Third-party sale, Family transfer, Internal sale (ESOP/MBO), Wind-down, and Keep forever. When the client owns less than 100%, the module can also surface a missing buy-sell agreement or a gap between the agreement value and the planning value.
Treat these outputs as planning estimates. Confirm valuation inputs and tax assumptions with the appropriate valuation, tax, and legal professionals before presenting a transaction outcome as settled.
Remove the planning record safely
Open the business detail page.
Select Delete business.
Choose Unlink and remove planning to keep the balance-sheet asset at its current value but remove the planning details.
Choose Delete everything to remove both the planning record and linked balance-sheet asset.
If no asset is linked, the destructive option is Delete planning record. Review the dialog carefully because deleting the planning record is permanent.