Dessert ShopSeller financing
Well-Established Dessert Shop with Seller Financing Available
Naperville, IL Established 2006 2.4x SDE
Dessert ShopAsking price
$125K
Annual revenue
$373K
Cash flow (SDE)
$52K
Profit margin
14%
Key insights
Operating since 2006 · 20 years of history
Team of 4 staff in place
Seller financing available for qualified buyers
Owner-operator role with transition support
Business overview
This dessert shop business has operated continuously since 2006 and enjoys strong repeat business. A capable manager runs daily operations, and the staff is expected to remain in place through a transition.
Detailed information
Financials
Asking price$125K
Gross revenue$373K
Cash flow (SDE)$52K
Profit margin14%
Valuation multiple2.4x SDE
FF&E included$36K
Seller financingAvailable
Real estate
Real estateLeased
Building size1,330 sq ft
Financial performance
Revenue Cash flow (SDE)Seller-provided · unaudited
2023
2024
2025
Revenue 2025$373K+1% YoY
SDE 2025$52K+13% YoY
Seller financing
Up to 15% carried at 6.5% over 5 years for qualified buyers.
Reason for selling
Owner is retiring after 20 years in the business.
Support & training
Seller will provide 3 weeks of on-site training and transition support.
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
Naperville, IL
Approximate areaOpen in OpenStreetMap →
Analyze this deal
Will the numbers work for you?
Deal Analyzer
Modeling Well-Established Dessert Shop with Seller Financing Available · $125K
From this listing:Asking $125,000Revenue $373,000Cash flow (SDE) $52,000
$
$65K$200K
Asking price is $125K. Type an offer or drag to model one.
%
· $12,5005%50%
SBA 7(a) acquisition loans typically require ~10% down.
%
6%16%
yr
5 yr25 yr
SBA business-acquisition loans are usually 10 years.
$
$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
$-26,596
Seller's discretionary earnings, minus annual loan payments and any manager salary
Cash-on-cash
-170.2%
Negative
Debt coverage (DSCR)
-0.43x
Tight
Loan payment
$1,550/mo
$18,596 / year
Cash to close
$15,625
$12,500 down + est. fees
Implied multiple
2.4x
vs 2.4x asking
Payback period
-
cash flow negative
How the earnings are splitof $-8,000 earnings
$18,596
Debt serviceYour cash flow
-0.43x debt coverage -170% cash-on-cash 2.4x 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 AnalyzerArea & market intelligence
Area demographics
Median household income
$131K
Median age
40 yrs
Population
150,000
Population trend
+2%
since 2021
Naperville, IL · Source: AI estimate (Claude) · general knowledge.
How this compares (Dessert Shop · Naperville, IL)
AI estimateAI-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: $373K · near the median
Low $220KMedian $360K
Financial documents & data room
Data room, behind an NDA
The documents below open to qualified buyers in the secure data room after a signed NDA.
Profit & loss statements (3 yr)
Federal tax returns
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Asking price
$125K
