Check Cashing & Money for Sale in Miami, FL
Why this business stands out
This Florida-licensed money services business has operated continuously under consistent ownership for over two decades, serving a loyal local clientele with check cashing, money transfers, and related financial access services. Full regulatory compliance and a stable customer base provide a durable competitive moat in the Miami metro market. The business generates strong cash flow relative to its asset base, making it attractive for buyers seeking a recession-resilient financial services operation.
Financing snapshot
An illustrative SBA 7(a) scenario based on the figures above. Model your own assumptions in the SBA loan calculator.
- Asking price
- $2,800,000
- Cash flow (SDE/EBITDA)
- $650,000
- Est. down payment (10%)
- $280,000
- Est. SBA loan (10yr @ 10.5%)
- $2,520,000
- Est. monthly payment
- $34,004
- Annual debt service
- $408,043
- Owner cash flow after debt
- $241,957
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 retail & e-commerce business cost?
The asking price is $2,800,000. 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 $650,000 in annual cash flow (SDE/EBITDA), implying a 4.3x multiple on the asking price.
Where is this retail & e-commerce 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.