A neighborhood bagel cafe in Suffolk County, New York generating over $800K in annual revenue and $202K in net income, operating from a busy shopping center on a heavily traveled arterial road. Bagels are baked on premises with all equipment in excellent condition, and a full management team is in place including a manager and grill staff. A long-term lease with renewal options provides operational security, and the existing customer loyalty creates a strong foundation for a new owner to build on.
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 $579,000. Exact terms and any seller financing are confirmed directly with the seller after you sign up.
This business reports approximately $202,000 in annual cash flow (SDE/EBITDA), implying a 2.9x multiple on the asking price.
It operates in the New York 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.
