Cash Pay Medical Practice for Sale in Panama City, FL
Why this business stands out
This cash-pay medical practice in the Florida Panhandle region has served its market for over two decades, generating strong annual revenue and solid seller discretionary earnings without reliance on insurance reimbursements. The clean, simple business model eliminates billing complexity and creates predictable cash flow, while the loyal patient base provides a durable foundation for a healthcare buyer. The practice is priced attractively relative to its earnings, with existing infrastructure and a built-in patient pipeline that a new owner can build upon immediately.
Financing snapshot
An illustrative SBA 7(a) scenario based on the figures above. Model your own assumptions in the SBA loan calculator.
- Asking price
- $575,000
- Cash flow (SDE/EBITDA)
- $252,000
- Est. down payment (10%)
- $57,500
- Est. SBA loan (10yr @ 10.5%)
- $517,500
- Est. monthly payment
- $6,983
- Annual debt service
- $83,795
- Owner cash flow after debt
- $168,205
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 healthcare & wellness business cost?
The asking price is $575,000. 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 $252,000 in annual cash flow (SDE/EBITDA), implying a 2.3x multiple on the asking price.
Where is this healthcare & wellness business located?
It operates in the Panama City-Panama City Beach 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.