Food & BeverageSeller financing

Bakery with Seller Financing Available in Phoenix

Phoenix, AZ Established 2020 3.2x SDE

Food & Beverage

Asking price

$275K

Annual revenue

$659K

Cash flow (SDE)

$87K

Profit margin

13%

Key insights

Operating since 2020 · 6 years of history

Team of 5 staff in place

Seller financing available for qualified buyers

Owner-operator role with transition support

Business overview

Founded in 2020, the business is a recognized name in the local bakery market. A professionally built website generates steady inbound inquiries with no ongoing ad spend. The Phoenix market continues to grow, and demand for bakery services has remained resilient through economic cycles. The owner has stepped back from daily operations in recent years, and the business now runs semi-absentee. Performance has been consistent year over year, with the most recent period among the strongest in the company's history. The team is cross-trained across functions, so operations do not depend on any single employee. An excellent opportunity for a first-time buyer or an existing operator seeking a proven platform.

Detailed information

Financials

Asking price$275K

Gross revenue$659K

Cash flow (SDE)$87K

Profit margin13%

Valuation multiple3.2x SDE

Seller financingAvailable

Real estate

Real estateLeased

Building size1,620 sq ft

Rent$3K/mo

Financial performance

Revenue Cash flow (SDE)Seller-provided · unaudited

2024

2025

Revenue 2025$659K+16% YoY

SDE 2025$87K+32% YoY

Seller financing

Seller will carry 50% at 6% interest, 7-year note, for a well-qualified buyer.

Reason for selling

Owner is retiring after 6 years in the business.

Support & training

6 weeks of training included in the sale price; extended support negotiable.

Facilities

The business occupies a 1,620 sq ft commercial space; the space is well-maintained and fully equipped.

Competition

Few direct competitors offer the same breadth of services in the immediate market.

Growth & expansion

Untapped opportunities include e-commerce, service agreements, and referral partnerships.

Location

Phoenix, AZ

Approximate areaOpen in OpenStreetMap →

Analyze this deal

Will the numbers work for you?

Deal Analyzer

Modeling Bakery with Seller Financing Available in Phoenix · $275K

From this listing:Asking $275,000Revenue $659,000Cash flow (SDE) $87,000

Offer price

$150K$440K

Asking price is $275K. Type an offer or drag to model one.

Down payment

· $27,500

5%50%

SBA 7(a) acquisition loans typically require ~10% down.

Loan interest rate

6%16%

Loan term

5 yr25 yr

SBA business-acquisition loans are usually 10 years.

Owner / manager salary

$0$45K

A market salary for whoever runs the business day-to-day, subtracted from earnings to show true profit. Set to $0 if you will owner-operate.

Your annual cash flow after debt service

$-13,912

Seller's discretionary earnings, minus annual loan payments and any manager salary

Cash-on-cash

-40.5%

Negative

Debt coverage (DSCR)

0.66x

Tight

Loan payment

$3,409/mo

$40,912 / year

Cash to close

$34,375

$27,500 down + est. fees

Implied multiple

3.2x

vs 3.2x asking

Payback period

cash flow negative

How the earnings are splitof $27,000 earnings

$40,912

Debt serviceYour cash flow

0.66x debt coverage -40% cash-on-cash 3.2x SDE · at asking

Estimates for illustration only, based on the listed SDE and your assumptions. Closing costs are estimated at ~2.5% of price for fees and working capital. Actual loan terms, taxes, and earnings will differ. This is not financial advice. Verify all figures in diligence and consult qualified advisors.

Open the full Deal Analyzer

Area & market intelligence

Area demographics

Median household income

$72K

Median age

34 yrs

Population

1,650,000

Population trend

+6%

since 2021

Phoenix, AZ · Source: AI estimate (Claude) · general knowledge.

How this compares (Food & Beverage · Phoenix, AZ)

AI estimate

AI-estimated comparable ranges from general market knowledge · as of 2026-08-04 · AI estimate (Claude) · general market knowledge. Reference only, not verified market data or a valuation.

Gross revenueThis listing: $659K · near the median

Low $400K