Check Cashing Financial Services for Sale in Miami, FL
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Why this business stands out
This South Florida financial services business has operated under consistent ownership for over two decades, providing check cashing, money transfers, cash advances, and related services to a loyal customer base. The operation holds all required licenses, maintains full regulatory compliance, and is secured by state-of-the-art physical security infrastructure. Long-standing operations and a stable recurring clientele make this a reliable cash flow acquisition in the Miami metropolitan area.
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)
- $530,687
- 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
- $297,519
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 $530,687 in annual cash flow (SDE/EBITDA), implying a 3.0x multiple on the asking price.
Where is this professional services business located?
It operates in the Miami-Fort Lauderdale-West Palm 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.