B2B ServicesSeller financing

Thriving Photography Studio Netting $93K

Eugene, OR Established 1994 2.7x SDE

B2B Services

Asking price

$251K

Annual revenue

$356K

Cash flow (SDE)

$93K

Profit margin

26%

Key insights

Operating since 1994 · 32 years of history

Team of 2 staff in place

Seller financing available for qualified buyers

Owner-operator role with transition support

Business overview

This photography studio business has operated continuously since 1994 and enjoys strong repeat business. All equipment is well-maintained and included in the sale, with no significant capital expenditures anticipated in the near term.

Detailed information

Financials

Asking price$251K

Gross revenue$356K

Cash flow (SDE)$93K

Profit margin26%

Valuation multiple2.7x SDE

FF&E included$61K

Seller financingAvailable

Real estate

Real estateLeased

Building size2,210 sq ft

Financial performance

Revenue Cash flow (SDE)Seller-provided · unaudited

2024

2025

Revenue 2025$356K+3% YoY

SDE 2025$93K+6% YoY

Seller financing

Up to 15% carried at 6% over 7 years for qualified buyers.

Reason for selling

Owner is scaling back for health-and-lifestyle reasons and will assist with a full transition.

Support & training

Seller will provide 2 weeks of on-site training and transition support.

Facilities

Operates from a 2,210 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

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

Location

Eugene, OR

Approximate areaOpen in OpenStreetMap →

Analyze this deal

Will the numbers work for you?

Deal Analyzer

Modeling Thriving Photography Studio Netting $93K · $251K

From this listing:Asking $251,000Revenue $356,000Cash flow (SDE) $93,000

Offer price

$135K$405K

Asking price is $251K. Type an offer or drag to model one.

Down payment

· $25,100

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

$-4,341

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

Cash-on-cash

-13.8%

Negative

Debt coverage (DSCR)

0.88x

Tight

Loan payment

$3,112/mo

$37,341 / year

Cash to close

$31,375

$25,100 down + est. fees

Implied multiple

2.7x

vs 2.7x asking

Payback period

cash flow negative

How the earnings are splitof $33,000 earnings

$37,341

Debt serviceYour cash flow

0.88x debt coverage -14% cash-on-cash 2.7x 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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