This independent bread distribution route operates within the greater New York metro area, delivering branded bakery products to retail accounts with low mileage and consistent weekly earnings. The route includes a commercial box truck and offers flexible ownership structures, with the option to operate personally or retain an experienced driver. Seller and manufacturer financing with extended terms makes this an accessible entry point for a buyer seeking predictable distribution income.
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 $850,000. Exact terms and any seller financing are confirmed directly with the seller after you sign up.
This business reports approximately $343,301 in annual cash flow (SDE/EBITDA), implying a 2.5x multiple on the asking price.
It operates in the New York-Newark-Jersey City 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.
