This specialty bakery and café in the Merrimack Valley region of Massachusetts has operated for over a decade with a loyal repeat customer base, a low-overhead lease structure, and a proven scratch-made menu. The business generates approximately $120,000 in seller discretionary earnings and benefits from strong neighborhood ties and a destination retail experience built around differentiated baked goods. The straightforward business model and favorable occupancy costs position a new owner-operator for sustainable cash flow from day one.
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 $550,000. Exact terms and any seller financing are confirmed directly with the seller after you sign up.
This business reports approximately $120,000 in annual cash flow (SDE/EBITDA), implying a 4.6x multiple on the asking price.
It operates in the Massachusetts 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.
