Personal Lines Insurance Agency for Sale in Houston, TX
Why this business stands out
This large personal lines insurance agency in the Houston metro area has operated for approximately 50 years, generating over $770,000 in annual SDE with additional bonus upside available through performance incentives. The agency's scale and long operating history provide a stable, recurring book of business built on deep client relationships and community trust. Buyer must qualify through the carrier and demonstrate owner-operator commitment, making this a rare acquisition for a licensed insurance professional seeking immediate scale.
Financing snapshot
An illustrative SBA 7(a) scenario based on the figures above. Model your own assumptions in the SBA loan calculator.
- Asking price
- $2,925,000
- Cash flow (SDE/EBITDA)
- $770,430
- Est. down payment (10%)
- $292,500
- Est. SBA loan (10yr @ 10.5%)
- $2,632,500
- Est. monthly payment
- $35,522
- Annual debt service
- $426,260
- Owner cash flow after debt
- $344,170
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 $2,925,000. 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 $770,430 in annual cash flow (SDE/EBITDA), implying a 3.8x multiple on the asking price.
Where is this professional services business located?
It operates in the Houston-The Woodlands-Sugar Land 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.