This specialty chocolate and dessert cafe in Ventura County, California generates approximately $111K in seller discretionary earnings from a fully equipped commercial kitchen and immaculately built-out cafe space, known for handcrafted chocolates, espresso, gelato, and premium gift offerings. The business has cultivated a loyal repeat customer base around holidays, events, and everyday indulgences, establishing itself as a go-to local destination for premium food gifting. The fully equipped facility and established community reputation provide a new owner with a turnkey operation and a strong foundation for catering, wholesale, or expanded retail growth.
An illustrative SBA 7(a) scenario based on the figures above. Model your own assumptions in the SBA loan calculator.
Illustrative only — not a financing offer. Assumes a 10% down payment and a 10-year SBA 7(a) loan at 10.5%. Actual terms vary by lender, deal structure, and buyer profile.
The DSCR shown is computed on raw cash flow — before the owner-salary, maintenance-capex, and rent adjustments SBA lenders apply when underwriting. Model the lender's view in the DSCR calculator.
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The asking price is $110,000. Exact terms and any seller financing are confirmed directly with the seller after you sign up.
This business reports approximately $111,229 in annual cash flow (SDE/EBITDA), implying a 1.0x multiple on the asking price.
It operates in the Oxnard-Thousand Oaks-Ventura area. The exact city is shown after you create a free Searcher OS account.
Many businesses in this price range qualify for SBA 7(a) financing, which can cover up to 90% of the purchase price over a 10-year term. See the financing snapshot above for an illustrative scenario.
