This seasonal business delivers fresh-cut Christmas trees directly to residential customers in coastal Virginia with a premium, white-glove service experience, and sold out its entire inventory in its first full operating season before demand was exhausted. The low capital requirement and owner-financing structure make entry highly accessible, while the sold-out performance validates strong product-market fit and pricing power in an affluent coastal market. The business is well-positioned for growth by increasing inventory capacity and expanding the delivery radius.
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 $45,000. Exact terms and any seller financing are confirmed directly with the seller after you sign up.
This business reports approximately $4,878 in annual cash flow (SDE/EBITDA), implying a 9.2x multiple on the asking price.
It operates in the Virginia Beach-Norfolk-Newport News 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.
