This insurance agency in northern Kentucky operates on a recurring-commission model supported by a multi-million dollar book of policy premium renewals and a loyal, high-retention customer base. The business comes fully staffed with trained personnel and complete office infrastructure, requiring no prior industry experience from the buyer. Both SBA financing and seller financing are available, making this an accessible path to owning a cash-flowing, recurring-revenue service business.
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 $695,000. Exact terms and any seller financing are confirmed directly with the seller after you sign up.
This business reports approximately $600,000 in annual cash flow (SDE/EBITDA), implying a 1.2x multiple on the asking price.
It operates in the Kentucky 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.
