Dessert ShopSeller financing

Long-Standing Dessert Shop Grossing $368K Annually

Syracuse, NY Established 2019 2.8x SDE

Dessert Shop

Asking price

$196K

Annual revenue

$368K

Cash flow (SDE)

$70K

Profit margin

19%

Key insights

Operating since 2019 · 7 years of history

Team of 4 staff in place

Seller financing available for qualified buyers

Owner-operator role with transition support

Business overview

Now available for the first time, this 7-year-old dessert shop business is one of the more established operators in its trade area. The owner has stepped back from daily operations in recent years, and the business now runs semi-absentee. The business generates dependable cash flow with margins at or above industry benchmarks. A meaningful share of revenue comes from repeat and referral business built over many years of consistent service. Standard operating procedures are documented, making training and quality control straightforward. The business enjoys attractive margins relative to industry averages thanks to disciplined pricing and low overhead. The fundamentals are in place for a new owner to grow well beyond current levels.

Detailed information

Financials

Asking price$196K

Gross revenue$368K

Cash flow (SDE)$70K

Profit margin19%

Valuation multiple2.8x SDE

FF&E included$36K

Seller financingAvailable

Real estate

Real estateLeased

Building size1,190 sq ft

Seller financing

Seller will carry 10% at 6.5% interest, 7-year note, for a well-qualified buyer.

Reason for selling

After 7 years, the owner is ready to pass the business to its next operator.

Support & training

Comprehensive 8-week transition included; seller open to a longer consulting arrangement.

Facilities

Operates from a 1,190 sq ft commercial space in a high-visibility location with ample parking.

Competition

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

Growth & expansion

Expansion potential through a second location, added staff, and deeper penetration of nearby markets.

Location

Syracuse, NY

Approximate areaOpen in OpenStreetMap →

Analyze this deal

Will the numbers work for you?

Deal Analyzer

Modeling Long-Standing Dessert Shop Grossing $368K Annually · $196K

From this listing:Asking $196,000Revenue $368,000Cash flow (SDE) $70,000

Offer price

$105K$315K

Asking price is $196K. Type an offer or drag to model one.

Down payment

· $19,600

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$40K

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

$-19,159

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

Cash-on-cash

-78.2%

Negative

Debt coverage (DSCR)

0.34x

Tight

Loan payment

$2,430/mo

$29,159 / year

Cash to close

$24,500

$19,600 down + est. fees

Implied multiple

2.8x

vs 2.8x asking

Payback period

cash flow negative

How the earnings are splitof $10,000 earnings

$29,159

Debt serviceYour cash flow

0.34x debt coverage -78% cash-on-cash 2.8x 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

$45K

Median age

31 yrs

Population

146,000

Population trend

-2%

since 2021

Syracuse, NY · Source: AI estimate (Claude) · general knowledge.

How this compares (Dessert Shop · Syracuse, NY)

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: $368K · near the median

Low $220K