Luxury Resale & Pawn for Sale in Virginia
Why this business stands out
This specialty retail and lending enterprise operates across three synergistic revenue channels — authenticated luxury resale, direct acquisition from sellers, and asset-backed collateral lending — within the premium collectibles market. The inventory is entirely liquid and can be converted to cash rapidly, reducing the balance sheet risk typical of traditional retail. Strong EBITDA margins reflect the high-value, low-volume nature of luxury timepieces, fine jewelry, and designer accessories, with minimal direct competition in the trade area.
Financing snapshot
An illustrative SBA 7(a) scenario based on the figures above. Model your own assumptions in the SBA loan calculator.
- Asking price
- $8,470,000
- Cash flow (SDE/EBITDA)
- $1,785,000
- Est. down payment (10%)
- $847,000
- Est. SBA loan (10yr @ 10.5%)
- $7,623,000
- Est. monthly payment
- $102,861
- Annual debt service
- $1,234,331
- Owner cash flow after debt
- $550,669
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 retail & e-commerce business cost?
The asking price is $8,470,000. 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 $1,785,000 in annual cash flow (SDE/EBITDA), implying a 4.7x multiple on the asking price.
Where is this retail & e-commerce business located?
It operates in the Virginia 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.