Dessert ShopSeller financing

Established Dessert Shop in Oakland

Oakland, CA Established 1985 3.1x SDE

Dessert Shop

Asking price

$265K

Annual revenue

$549K

Cash flow (SDE)

$85K

Profit margin

15%

Key insights

Operating since 1985 · 41 years of history

Team of 6 staff in place

Seller financing available for qualified buyers

Owner-operator role with transition support

Business overview

Established in 1985, this dessert shop business has built a loyal customer base in the Oakland area. The company ranks well in local search results and maintains an active presence on the major review platforms. The owner's role can be learned by a motivated buyer during the training period; industry experience is helpful but not essential. Detailed financials, tax returns, and supporting schedules are available to qualified buyers after an NDA. A qualified buyer can step into stable cash flow from day one.

Detailed information

Financials

Asking price$265K

Gross revenue$549K

Cash flow (SDE)$85K

Profit margin15%

Valuation multiple3.1x SDE

FF&E included$43K

Seller financingAvailable

Real estate

Real estateLeased

Building size880 sq ft

Financial performance

Revenue Cash flow (SDE)Seller-provided · unaudited

2021

2022

2023

2024

2025

Seller financing

Up to 25% carried at 8% over 5 years for qualified buyers.

Reason for selling

Owner is relocating out of state for family reasons.

Support & training

Seller will provide 6 weeks of on-site training and transition support.

Facilities

The business occupies a 880 sq ft commercial space; the space is well-maintained and fully equipped.

Competition

The local market is fragmented; this business is among the most established names in its trade area.

Growth & expansion

Growth opportunities include expanded digital marketing, added service lines, and extended hours.

Location

Oakland, CA

Approximate areaOpen in OpenStreetMap →

Analyze this deal

Will the numbers work for you?

Deal Analyzer

Modeling Established Dessert Shop in Oakland · $265K

From this listing:Asking $265,000Revenue $549,000Cash flow (SDE) $85,000

Offer price

$145K$425K

Asking price is $265K. Type an offer or drag to model one.

Down payment

· $26,500

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

$-14,424

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

Cash-on-cash

-43.5%

Negative

Debt coverage (DSCR)

0.63x

Tight

Loan payment

$3,285/mo

$39,424 / year

Cash to close

$33,125

$26,500 down + est. fees

Implied multiple

3.1x

vs 3.1x asking

Payback period

cash flow negative

How the earnings are splitof $25,000 earnings

$39,424

Debt serviceYour cash flow

0.63x debt coverage -44% cash-on-cash 3.1x 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

$93K

Median age

38 yrs

Population

435,000

Population trend

-2%

since 2021

Oakland, CA · Source: AI estimate (Claude) · general knowledge.

How this compares (Dessert Shop · Oakland, CA)

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: $549K · near the median

Low $350K