Captive Insurance Agency for Sale in California
Why this business stands out
This California captive insurance agency has been carefully built over four decades, generating over $7.1 million in gross premiums annually with a loyal, high-retention client base and a fully licensed, long-tenured staff team ready to support a new owner from day one. The retiring agent's extended tenure has created deep client relationships and a well-organized operation that does not require the buyer to start from scratch. Strong cash flow, a stable recurring revenue base from policy renewals, and minimal required operational involvement position this as an attractive acquisition for an insurance professional or qualified investor.
Financing snapshot
An illustrative SBA 7(a) scenario based on the figures above. Model your own assumptions in the SBA loan calculator.
- Asking price
- $1,600,000
- Cash flow (SDE/EBITDA)
- $640,000
- Est. down payment (10%)
- $160,000
- Est. SBA loan (10yr @ 10.5%)
- $1,440,000
- Est. monthly payment
- $19,431
- Annual debt service
- $233,168
- Owner cash flow after debt
- $406,832
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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Frequently asked questions
How much does this professional services business cost?
The asking price is $1,600,000. Exact terms and any seller financing are confirmed directly with the seller after you sign up.
What is the cash flow and valuation multiple?
This business reports approximately $640,000 in annual cash flow (SDE/EBITDA), implying a 2.5x multiple on the asking price.
Where is this professional services business located?
It operates in the California area. The exact city is shown after you create a free Searcher OS account.
Can this acquisition be financed with an SBA loan?
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.