RetailSeller financing

Established Liquor Store with Seller Financing Available

Jersey City, NJ Established 1991 3.3x SDE

Retail

Asking price

$513K

Annual revenue

$1.82M

Cash flow (SDE)

$155K

Profit margin

Key insights

Operating since 1991 · 35 years of history

Team of 5 staff in place

Seller financing available for qualified buyers

Owner-operator role with transition support

Business overview

This liquor store business has operated continuously since 1991 and enjoys strong repeat business. Detailed financials, tax returns, and supporting schedules are available to qualified buyers after an NDA. The business maintains an excellent reputation, reflected in its ratings across the major review platforms. Opportunities of this quality and tenure rarely come to market in this category.

Detailed information

Financials

Asking price$513K

Gross revenue$1.82M

Cash flow (SDE)$155K

Profit margin9%

Valuation multiple3.3x SDE

Inventory included$137K

Seller financingAvailable

Real estate

Real estateLeased

Building size2,130 sq ft

Financial performance

Revenue Cash flow (SDE)Seller-provided · unaudited

2023

2024

2025

Revenue 2025$1.82M+13% YoY

SDE 2025$155K+5% YoY

Seller financing

Open to financing 20% of the price over 5 years at 6.5% with an acceptable down payment.

Reason for selling

Seller is pursuing another business venture and wants a clean transition.

Support & training

Seller offers 3 weeks of hands-on training, with phone support for 6 months after closing.

Competition

Competition exists from regional operators, but the company's reputation and tenure provide a durable advantage.

Growth & expansion

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

Location

Jersey City, NJ

Approximate areaOpen in OpenStreetMap →

Analyze this deal

Will the numbers work for you?

Deal Analyzer

Modeling Established Liquor Store with Seller Financing Available · $513K

From this listing:Asking $513,000Revenue $1,820,000Cash flow (SDE) $155,000

Offer price

$280K$825K

Asking price is $513K. Type an offer or drag to model one.

Down payment

· $51,300

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$80K

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

$18,681

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

Cash-on-cash

29.1%

Strong

Debt coverage (DSCR)

1.24x

Tight

Loan payment

$6,360/mo

$76,319 / year

Cash to close

$64,125

$51,300 down + est. fees

Implied multiple

3.3x

vs 3.3x asking

Payback period

3.4 yrs

to recoup your cash

How the earnings are splitof $95,000 earnings

$76,319

Debt serviceYour cash flow

1.24x debt coverage 29% cash-on-cash 3.3x 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