Bread Distribution Route for Sale in Chicago, IL
Why this business stands out
This independent bread distribution route in the greater Chicago metro area delivers nationally recognized bakery brands to six grocery store accounts with a protected territory and generates approximately $102K in net annual income. The contracted distribution relationship with a major national bakery provides product supply stability and brand recognition, supporting a straightforward owner-operator business model. Company financing availability reduces the capital required at closing, improving accessibility for qualified buyers.
Financing snapshot
An illustrative SBA 7(a) scenario based on the figures above. Model your own assumptions in the SBA loan calculator.
- Asking price
- $185,000
- Cash flow (SDE/EBITDA)
- $102,262
- Est. down payment (10%)
- $18,500
- Est. SBA loan (10yr @ 10.5%)
- $166,500
- Est. monthly payment
- $2,247
- Annual debt service
- $26,960
- Owner cash flow after debt
- $75,302
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 wholesale & distribution business cost?
The asking price is $185,000. 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 $102,262 in annual cash flow (SDE/EBITDA), implying a 1.8x multiple on the asking price.
Where is this wholesale & distribution business located?
It operates in the Chicago-Naperville-Elgin 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.