This BYOB fine dining Italian and seafood restaurant in the greater Philadelphia metro has built a loyal customer base over more than a decade of continuous operation, generating $250K in annual SDE on $1.1M in revenue. The business operates from a 3,500 square foot space with a long-term lease secured through 2032, providing meaningful occupancy stability and below-market rent for the region. At a $550K asking price with proven cash flow, this represents an accessible entry point into a well-established full-service dining concept.
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 $250,000 in annual cash flow (SDE/EBITDA), implying a 2.2x multiple on the asking price.
It operates in the Pennsylvania 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.
