B2B ServicesSeller financing

Highly Profitable Independent Insurance Agency in Knoxville

Knoxville, TN Established 2013 2.5x SDE

B2B Services

Asking price

$324K

Annual revenue

$516K

Cash flow (SDE)

$130K

Profit margin

25%

Key insights

Operating since 2013 · 13 years of history

Team of 2 staff in place

Seller financing available for qualified buyers

Owner-operator role with transition support

Business overview

Rare opportunity to acquire a insurance agency business with 13 years of operating history in a growing market. All equipment is well-maintained and included in the sale, with no significant capital expenditures anticipated in the near term. What began as a small operation in 2013 has grown steadily through referrals, repeat customers, and a reputation for doing the job right. The brand is well recognized locally, supported by years of consistent signage, vehicle wraps, and community involvement. Opportunities of this quality and tenure rarely come to market in this category.

Detailed information

Financials

Asking price$324K

Gross revenue$516K

Cash flow (SDE)$130K

EBITDA$109K

Profit margin25%

Valuation multiple2.5x SDE

FF&E included$41K

Seller financingAvailable

Real estate

Real estateLeased

Financial performance

Revenue Cash flow (SDE)Seller-provided · unaudited

2023

2024

2025

Revenue 2025$516K+6% YoY

SDE 2025$130K+16% YoY

Seller financing

Seller will carry 25% at 7% interest, 5-year note, for a well-qualified buyer.

Reason for selling

After 13 years, the owner is ready to pass the business to its next operator.

Facilities

The business occupies a 2,120 sq ft commercial space; the space is well-maintained and fully equipped.

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

Knoxville, TN

Approximate areaOpen in OpenStreetMap →

Analyze this deal

Will the numbers work for you?

Deal Analyzer

Modeling Highly Profitable Independent Insurance Agency in Knoxville · $324K

From this listing:Asking $324,000Revenue $516,000Cash flow (SDE) $130,000

Offer price

$175K$520K

Asking price is $324K. Type an offer or drag to model one.

Down payment

· $32,400

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$65K

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

$21,799

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

Cash-on-cash

53.8%

Strong

Debt coverage (DSCR)

1.45x

Acceptable

Loan payment

$4,017/mo

$48,201 / year

Cash to close

$40,500

$32,400 down + est. fees

Implied multiple

2.5x

vs 2.5x asking

Payback period

1.9 yrs

to recoup your cash

How the earnings are splitof $70,000 earnings

$48,201$21,799

Debt serviceYour cash flow

1.45x debt coverage 54% cash-on-cash 2.5x 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.

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