Insurance Agency for Sale in Chattanooga, TN
Why this business stands out
A well-established insurance agency in the Chattanooga, Tennessee market with a $3.5 million book of recurring policy premium renewals and a high-retention customer base across personal and commercial lines. The business includes a professional office location, trained staff, and all operational assets, with no prior insurance experience required due to a comprehensive training and licensing program. SBA financing is available, and the seller may offer partial financing, lowering the capital barrier for an incoming buyer seeking a recurring revenue financial services business.
Financing snapshot
An illustrative SBA 7(a) scenario based on the figures above. Model your own assumptions in the SBA loan calculator.
- Asking price
- $625,000
- Cash flow (SDE/EBITDA)
- $437,500
- Est. down payment (10%)
- $62,500
- Est. SBA loan (10yr @ 10.5%)
- $562,500
- Est. monthly payment
- $7,590
- Annual debt service
- $91,081
- Owner cash flow after debt
- $346,419
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 professional services business cost?
The asking price is $625,000. 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 $437,500 in annual cash flow (SDE/EBITDA), implying a 1.4x multiple on the asking price.
Where is this professional services business located?
It operates in the Chattanooga 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.