Insurance Agency for Sale in San Jose, CA
Why this business stands out
This captive insurance agency in the San Jose metro area holds Elite Status designation and manages over $5 million in gross premium, generating substantial annual compensation. The retiring owner leaves behind a fully licensed, professionally staffed office with decades of client relationships and a proven renewal-driven revenue model. The agency presents a compelling acquisition for an qualified insurance professional seeking an immediate book of business.
Financing snapshot
An illustrative SBA 7(a) scenario based on the figures above. Model your own assumptions in the SBA loan calculator.
- Asking price
- $1,000,000
- Cash flow (SDE/EBITDA)
- $465,000
- Est. down payment (10%)
- $100,000
- Est. SBA loan (10yr @ 10.5%)
- $900,000
- Est. monthly payment
- $12,144
- Annual debt service
- $145,730
- Owner cash flow after debt
- $319,270
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 $1,000,000. 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 $465,000 in annual cash flow (SDE/EBITDA), implying a 2.2x multiple on the asking price.
Where is this professional services business located?
It operates in the San Jose-Sunnyvale-Santa Clara 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.