This bakery-cafe combines coffee, breakfast, lunch, and specialty baked goods into a diversified neighborhood food business. Its appeal comes from repeat daily traffic, seasonal spikes, and upside in catering and extended service hours.
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.
Create a free Searcher OS account to see the exact location, full description, broker contact, and detailed financials — plus add this deal to your pipeline and run the numbers in our calculators.
The asking price is $1,200,000. Exact terms and any seller financing are confirmed directly with the seller after you sign up.
This business reports approximately $356,997 in annual cash flow (SDE/EBITDA), implying a 3.4x multiple on the asking price.
It operates in the Boston-Cambridge-Newton 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.
