Hardware And Lumber Store for Sale in New York
Why this business stands out
A well-established community hardware and lumber retailer in rural western New York with a 19,000 square foot facility including retail showroom and warehouse, generating consistent revenue with strong seller discretionary earnings in a recession-resistant sector. Both the business and real estate are included in the asking price, providing meaningful asset value and eliminating rent exposure. A loyal and diverse customer base in an underserved rural market creates durable demand and limited competitive pressure.
Financing snapshot
An illustrative SBA 7(a) scenario based on the figures above. Model your own assumptions in the SBA loan calculator.
- Asking price
- $950,000
- Cash flow (SDE/EBITDA)
- $197,816
- Est. down payment (10%)
- $95,000
- Est. SBA loan (10yr @ 10.5%)
- $855,000
- Est. monthly payment
- $11,537
- Annual debt service
- $138,443
- Owner cash flow after debt
- $59,373
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 retail & e-commerce business cost?
The asking price is $950,000. 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 $197,816 in annual cash flow (SDE/EBITDA), implying a 4.8x multiple on the asking price.
Where is this retail & e-commerce business located?
It operates in the New York 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.