Pawn Shop & Lending for Sale in Cape Coral, FL
Why this business stands out
This cash-based retail and lending operation in southwest Florida has served its community for over 25 years, generating consistent cash flow from a recession-resistant business model with significant tangible asset backing. The sale includes real estate valued separately, over $400,000 in inventory at cost, and all fixtures and equipment, giving a buyer immediate asset coverage well in excess of the operating business value alone. The combination of real estate, inventory, and proven cash flow makes this an unusually well-collateralized acquisition.
Financing snapshot
An illustrative SBA 7(a) scenario based on the figures above. Model your own assumptions in the SBA loan calculator.
- Asking price
- $1,275,000
- Cash flow (SDE/EBITDA)
- $250,000
- Est. down payment (10%)
- $127,500
- Est. SBA loan (10yr @ 10.5%)
- $1,147,500
- Est. monthly payment
- $15,484
- Annual debt service
- $185,805
- Owner cash flow after debt
- $64,195
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 $1,275,000. 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 $250,000 in annual cash flow (SDE/EBITDA), implying a 5.1x multiple on the asking price.
Where is this retail & e-commerce business located?
It operates in the Cape Coral-Fort Myers 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.