This Florida restaurant near a beach destination generates $220,000 in owner earnings on a $625,000 asking price, offering a favorable multiple for a food and beverage operator in a high-tourism market. The coastal location provides seasonal traffic upside while the existing operation provides immediate cash flow for a buyer. The attractive price-to-earnings ratio makes this an accessible acquisition for an owner-operator seeking a lifestyle-compatible business in a desirable Florida market.
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 $625,000. Exact terms and any seller financing are confirmed directly with the seller after you sign up.
This business reports approximately $220,000 in annual cash flow (SDE/EBITDA), implying a 2.8x multiple on the asking price.
It operates in the Panama City-Panama City Beach 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.
