RetailSeller financing

Turnkey Liquor Store with Seller Financing Available

Charleston, WV Established 2011 2.5x SDE

Retail

Asking price

$476K

Annual revenue

$1.6M

Cash flow (SDE)

$190K

Profit margin

12%

Key insights

Operating since 2011 · 15 years of history

Team of 6 staff in place

Seller financing available for qualified buyers

Owner-operator role with transition support

Business overview

This well-run liquor store company has served Charleston and surrounding communities since 2011. Demand is driven by non-discretionary need, making the business resilient in a range of economic conditions. Service offerings have been refined over the years to focus on the most profitable lines of work. The current owner works a normal full-time schedule and focuses on quoting, scheduling, and customer relationships. A capable manager runs daily operations, and the staff is expected to remain in place through a transition. An excellent opportunity for a first-time buyer or an existing operator seeking a proven platform.

Detailed information

Financials

Asking price$476K

Gross revenue$1.6M

Cash flow (SDE)$190K

Profit margin12%

Valuation multiple2.5x SDE

Inventory included$129K

Seller financingAvailable

Real estate

Real estateLeased

Building size1,920 sq ft

Financial performance

Revenue Cash flow (SDE)Seller-provided · unaudited

2023

2024

2025

Revenue 2025$1.6M+14% YoY

SDE 2025$190K+29% YoY

Seller financing

Seller will carry 30% at 7% interest, 7-year note, for a well-qualified buyer.

Reason for selling

Owner is retiring after 15 years in the business.

Support & training

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

Facilities

Operates from a 1,920 sq ft commercial space in a high-visibility location with ample parking.

Competition

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

Growth & expansion

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

Location

Charleston, WV

Approximate areaOpen in OpenStreetMap →

Analyze this deal

Will the numbers work for you?

Deal Analyzer

Modeling Turnkey Liquor Store with Seller Financing Available · $476K

From this listing:Asking $476,000Revenue $1,604,000Cash flow (SDE) $190,000

Offer price

$260K$765K

Asking price is $476K. Type an offer or drag to model one.

Down payment

· $47,600

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$95K

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

$59,185

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

Cash-on-cash

99.5%

Strong

Debt coverage (DSCR)

1.84x

Healthy

Loan payment

$5,901/mo

$70,815 / year

Cash to close

$59,500

$47,600 down + est. fees

Implied multiple

2.5x

vs 2.5x asking

Payback period

1.0 yrs

to recoup your cash

How the earnings are splitof $130,000 earnings

$70,815$59,185

Debt serviceYour cash flow

1.84x debt coverage 99% 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.

Open the full Deal Analyzer