Legacy Banking for Business Owners™
Turn your life’s work into a private, annuity-style income stream — preserving your team, your name, and your legacy.
What We Do
We turn businesses into retirement banks.
At Altenbruck Capital, we specialize in helping owners transition smoothly into retirement while keeping the business alive and thriving.
Our Legacy Banking model converts your business equity into a predictable Owner’s Dividend — steady monthly income that rewards you for what you’ve built, without the risks or complexity of a traditional sale.
We don’t buy and flip. We preserve and continue.
Our Approach
A Continuity-Based Transition You Can Trust
Every Altenbruck transaction is structured around three principles:
- Continuity — Your employees and customers remain supported and secure.
- Control — You define the transition terms, timeline, and your level of post-sale involvement
- Cash Flow — Instead of one taxable lump sum, you receive reliable monthly deposits through your Owner’s Dividend.
Each agreement is legally vetted, customized, and designed for stability — not speculation.
Who We Serve
We Work With Owners Who Care About Legacy
Our model fits best for business owners who:
- Want to retire or step back without selling to outsiders.
- Value their employees and customer relationships.
- Prefer steady income over a one-time exit.
- Believe their name and reputation deserve continuity, not liquidation
Legacy isn’t something you sell. It’s something you continue
How It Works
Your Path to a Seamless Transition
1. Confidential Discussion
We start with a private conversation to understand your goals, not your books.
2. Continuity Valuation
We assess the strength of your business, factoring in cash flow, staff stability, and transition readiness.
3. Legacy Banking Agreement
We design a tailored structure converting your business equity into monthly Owner’s Dividends — a true retirement income stream.
Why It Matters
Because Your Business Deserves More Than a Sale
A traditional exit ends the story.
A Legacy Banking transition continues it — with your name, your staff, and your success still standing.
You spent decades building something real.
We make sure it keeps paying you back.
Real Client Transitions with Altenbruck Capital
Commercial Cleaning Company | Wisconsin
Commercial Cleaning Company | Wisconsin
Commercial Cleaning Company | Wisconsin
“From Mops to Mission: A Quiet Exit for a Quiet Giant”
The Situation:
After 32 years in business, the owner of a 25-person commercial cleaning company in Eau Claire, WI wanted out—but didn’t want to shut the doors, sell to a competitor, or trigger panic among long-term clients.
The Concerns:
- “I don’t want my employees blindsided.”
- “We’ve got schools, clinics, and offices counting on us.”
- “I need an exit—but not at the cost of my people.”
The Altenbruck Solution:
- Structured a 100% seller-financed deal with lien protections
- Preserved all staff and client contracts
- Included an optional earnout bonus based on 12-month retention
- Owner stayed on discreetly for 3 months to introduce transition quietly
The Result:
- Zero disruption
- Monthly seller payouts begin 30 days post-close
- Legacy preserved: staff, clients, and local reputation remain untouched
“I didn’t want a billboard exit. Altenbruck made it quiet, fair, and human.”
—Former Owner, Commercial Cleaning Co.
Accounting Firm | Kansas
Commercial Cleaning Company | Wisconsin
Commercial Cleaning Company | Wisconsin
“The Numbers Made Sense—So Did the Exit”
The Situation:
A solo CPA in Topeka, KS was serving 600+ individual and small business clients, generating solid SDE but no clear succession. Retirement was looming. No internal successor. Didn’t want to sell to a regional firm that would gut the book.
The Concerns:
- “I don’t want my clients sold like a spreadsheet.”
- “Can I get paid fairly… without killing the cash flow they rely on?”
- “I want to leave clean—but quietly.”
The Altenbruck Solution:
- Presented a zero-down offer with seller note + lien
- Built in a white-labeled 6-month client transition
- Offered a part-time advisory retainer to the owner (paid)
- Designed payouts to span 36 months—maximizing tax efficiency
The Result:
- Owner exited with peace of mind—and monthly income
- Clients stayed, referrals grew
- Staff retained, no layoffs
- The firm operates under the same name with new operational leadership
“I got full value—and didn’t have to sell my clients to the highest bidder.”
—Former Owner, Midwest CPA Firm
Experience the Altenbruck Capital Advantage
"I started out working on cars and trucks back in high school out of our two-stall detached garage at home. I got lucky, made a few good decisions along the way, and by the time I sold, I had seven employees working in a four-lift shop here in Nebraska. When Altenbruck first explained their structure, I almost walked — I figured selling meant one big check upfront. But my lawyer looked it over and told me, ‘This actually protects you.’ He was right. Now I get steady monthly retirement checks, my crew is still on the payroll, and the shop still carries my name. What I didn’t expect was Altenbruck’s marketing team stepping in. They brought in new accounts and boosted revenue so much that I’ll actually end up taking home more than my original asking price. For me, it couldn’t have worked out better." - Former Owner, Auto Repair Shop
