A well-regarded cafe and bakery in the Tampa Bay area has attracted a multi-generational clientele of locals, snowbirds, and tourists for over 35 years through a combination of authentic recipes, imported goods, and a purpose-built space with a beer and wine license. The limited hours of operation — morning through early afternoon — provide lifestyle flexibility for an owner-operator while preserving strong annual cash flow. The established brand loyalty and unique market positioning create a defensible niche that has sustained the business through multiple economic cycles.
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 $550,000. Exact terms and any seller financing are confirmed directly with the seller after you sign up.
This business reports approximately $210,000 in annual cash flow (SDE/EBITDA), implying a 2.6x multiple on the asking price.
It operates in the Tampa-St. Petersburg-Clearwater 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.
