This fireplace and outdoor living specialty retailer has served a mid-to-high-end residential clientele in the Philadelphia metro area for nearly three decades, building a loyal customer base and a standout showroom. The business operates only five days per week and generates over $200K in annual net income, with bank pre-approval in place requiring only 10% down. Significant upside exists through expansion of the outdoor living segment and increased e-commerce sales.
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 $500,000. Exact terms and any seller financing are confirmed directly with the seller after you sign up.
This business reports approximately $207,073 in annual cash flow (SDE/EBITDA), implying a 2.4x multiple on the asking price.
It operates in the Philadelphia-Camden-Wilmington 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.
