An independent pawn shop in the greater Atlanta metro operating from a leased retail location with approximately $577,000 in annual sales and over $132,000 in net profit after payroll and rent, open six days per week in a high-traffic location. The business has been owner-operated for seven years and benefits from a dense surrounding population and commercial base. A buyer willing to maintain operations — or step in as an owner-operator to reduce payroll — will find this a simple, cash-generative retail acquisition at a reasonable multiple.
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 $499,000. Exact terms and any seller financing are confirmed directly with the seller after you sign up.
This business reports approximately $132,000 in annual cash flow (SDE/EBITDA), implying a 3.8x multiple on the asking price.
It operates in the Atlanta-Sandy Springs-Roswell 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.
