This insurance agency operates on a recurring-revenue model driven by a large book of policy premium renewals, providing highly predictable annual income. The business includes a trained staff, full office infrastructure, and a loyal customer base with strong retention rates. SBA financing is available, and no prior industry experience is required, making this an accessible acquisition for operators seeking stable cash flow in the Tennessee market.
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 $995,000. Exact terms and any seller financing are confirmed directly with the seller after you sign up.
This business reports approximately $1,200,000 in annual cash flow (SDE/EBITDA), implying a 0.8x multiple on the asking price.
It operates in the Tennessee 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.
