Smart M&A
Buy & sell a business
Planning your exit or business succession?
We honor the value of decades of work by making succession seamless and stress-free.
Using the latest technology, we ensure the process is faster and secure.
Our family-business approach puts trust and long-term relationships at the center of everything we do.
Confidentiality
Your privacy comes first. We sign an NDA before sharing anything. Together, we decide what stays private, what’s shared with vetted buyers, and what’s public. You’re always in control.
Dreaming of acquiring a business and becoming an entrepreneur?
We connect you with the right opportunities and support you through every step of the transaction.
Beyond the deal, we help you with best-in-class technology to optimize processes and operations, and design for long-term success.
We are practitioners who have built and worked in real businesses, products, and markets. We bring hands-on experience, not theory.
Book Free M&A Consultation
Book Free M&A Consultation
Empowering buy and sell businesses (SMEs) smarter through technology.
We recognize the value of the decades of effort that have gone into creating your business, and we handle that legacy with care.
How can we help?
M&A end-to-end deal cycle
We are committed to a fully transparent fee structure with no hidden fees, removing complexity so you can focus on your future with confidence.
Combining world-class M&A processes with cutting-edge technology, we simplify complex processes, reduce costs, and provide the same level of professionalism and quality you would expect from top global firms, tailored to your scale and needs.
PensioTec upholds local and international compliance frameworks, including Anti-Money Laundering (AML) and Anti-Corruption/Anti-Bribery practices, to safeguard our partners and stakeholders in every transaction, whether local or cross-border, straightforward or complex.
Technology
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Pensiotec’s proprietary machine learning model analyzes verified investor databases and market intelligence to match each business with the most relevant and qualified buyers or acquirers.
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Our advanced valuation engine integrates normalized financials, sector benchmarks, and comparable transaction data to deliver accurate, data-backed valuations, all reviewed and validated by experienced professional M&A valuation experts (human).
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Built-in scheduler for photographers and videographers with verified local partners, produces premium-quality visuals without manual coordination.
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Our automated marketing engine distributes targeted campaigns across major digital and traditional channels o maximize visibility and reach qualified buyers efficiently.
Post-Deal integration
Support for new buyers
At PensioTec, we believe that success does not end at acquisition. Our post-deal integration support helps new buyers seamlessly transition, optimize operations, and elevate the businesses they have acquired, all while preserving the brand’s core authenticity and value.
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We streamline non-core, repetitive workflows such as invoicing, payments, and reporting through secure AI-driven automation, allowing the brand’s core craftsmanship or artistry to shine.
Example: In a handmade shoe business, the craft remains handmade, and automation only enhances operational efficiency around it.
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Our team includes interior, retail, and digital designers with experience from world-class brands and global airports. We help new buyers:
Design spaces that foster human connection
Enhance store layout, display, and ambiance to increase foot traffic and customer resonance
Create or improve digital portfolios and websites to reflect the brand’s story, craftsmanship, and values
Grounded in behavioral insights, we craft experiences that inspire loyalty and emotional engagement.
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To promote ethical and responsible ownership, PensioTec rewards (PensioTec SDG Gift) new buyers who implement and maintain SDG-aligned sustainability measures, such as:
Waste reduction and renewable energy adoption
Employee well-being initiatives
Community support programs
Buyers who document and sustain these actions over a defined period receive a small refund or gift credit, verified through self-reporting and PensioTec.
PensioTec
Impact Awards
In addition, PensioTec recognizes and celebrates outstanding impact. Each year, we select top new owners who apply SDG principles most effectively and present them with the PensioTec Impact Awards, highlighting their leadership in sustainable and responsible business transformation.
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Deal Preparation
PensioTec helps sellers get deal-ready, from creating compelling visuals, videos, and websites that enhance digital presence to preparing investor-ready materials and clean financial documentation. Our experts guide you through compliance checks.
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Smart Valuation
PensioTec aligns your goals and asking price with market benchmarks through AI-driven insights and expert guidance. Our valuation engine combines normalized financials, sector benchmarks, and comparable transaction data to deliver accurate, human-validated valuations.
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Matching Process
We leverage AI-driven deal-matching technology to identify and rank the best targets or buyers. Our intelligent model analyzes verified investor databases and market intelligence to connect each business with the most relevant and qualified acquirers.
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Due Diligence & Structuring
PensioTec delivers holistic due diligence across finance, legal, tax, and ESG, supported by virtual data rooms and AI-powered risk detection. We use predictive analytics and advanced technology to optimize deal terms, transparency & long-term value creation.
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Post-M&A & Value Creation
After the deal, PensioTec may help brick-and-mortar businesses grow sustainably by blending technology with human creativity. Streamlining operations through smart automation, freeing founders to focus on their craft, while our design and digital experts enhance spaces, customer and story telling experiences, and online presence.
Common portfolios we can help
Consumer goods
Manufacturing
Healthcare
Hospitality
Food services
Home improvement
Wellness
Jewellery
Food production
Agriculture
Education
Construction
Retail
Logistics
Franchise
Business services
Other business category:
Meet
Hetty Samosir
M&A at Pensiotec
I’m Hetty Samosir, Co-Founder of PensioTec. We help business owners transition with peace of mind, making succession and exit planning simple, transparent, and stress-free.
From my roots in Indonesia’s family businesses to advising Fortune 500 companies and startups in Switzerland, I’ve worked with teams across Asia Pacific, Europe, and North America. My academic background includes a Master of Finance from the University of Cambridge, a BSc in Banking and Finance from Switzerland, and a Bachelor’s in Physics from Indonesia.
Our team blends decades of M&A expertise with technology to deliver modern, practical solutions. We consist of kind people and backed by science and research. At PensioTec, we bring trusted M&A knowledge, once limited to large corporates, to SMEs with clear, fair pricing.
Our mission goes beyond deals: we reinvest in financial education and empower communities through resources such as finance workshops, scholarships, and community programs.
Our Location
Our Location
Cambridge, United Kingdom
The Bradfield Centre, 184 Cambridge Science Park, Milton Road, Cambridge, CB4 0GA, United Kingdom
We operate from Basel, Switzerland & Cambridge, UK
Coming Soon
Jakarta, Indonesia
