SBAdeals
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Central Mississippi · Ref SBA-2026-0421 · FY2023–FY2025 + 2026 YTD
20+ year top-performing agency with high retention and a recurring commission book. Turn-key operations and trained staff already in place.
See verified financials, the full business profile, and your GoSBA advisor for Turn-Key Allstate Insurance Agency. Free, no obligation.
By registering you agree to SBAdeals' terms, including the 5% buyer success fee at close. Exact business identity is shared after an NDA.
| Verified financials | 2023 | 2024 | 2025 | 2026 YTD |
|---|---|---|---|---|
| Gross revenue | $168,000 | $176,000 | $181,000 | $96,000 |
| Cost of sales | $0 | $0 | $0 | $0 |
| Gross income | $168,000 | $176,000 | $181,000 | $96,000 |
| Operating expenses | $96,000 | $99,000 | $109,000 | $54,000 |
| Operating income | $72,000 | $77,000 | $72,000 | $42,000 |
| Adjustments / add-backs | ||||
| Owner salary | $58,000 | $60,000 | $60,000 | $30,000 |
| Adjusted cash flow (SDE) | $130,000 | $137,000 | $132,000 | $72,000 |
| SDE margin | 77.4% | 77.8% | 72.9% | 75.0% |
| DSCR at 10% down | 1.23× | 1.36× | 1.27× | 1.33× |
YTD figures are year-to-date and not annualized; the YTD-year DSCR is annualized to a full-year run-rate so it's comparable across years. Financing estimates use full fiscal years plus trailing-twelve-month cash flow.
How comfortably the cash flow covers the loan payments. We count 1.25× and above as a pass.
Coverage was thinner in an earlier year, but on the most recent full year and trailing twelve months the deal passes.
Modeled at 10% down, a 10-year term, and current SBA 7(a) rates. An estimate — your real terms come from lender underwriting.
Owner pursuing other ventures.
Owner-operated today. A transition period and/or a general-manager hire is recommended.
Owner will assist 90 days and introduce the carrier relationship and key accounts.
No single customer exceeds about 4% of revenue, and roughly 88% of revenue is recurring or contracted.
The business operates from leased premises; the lease is assignable to a qualified buyer.
The seller's documents are being prepared. Request info and your GoSBA advisor will notify you the moment the data room opens.
How a standard SBA 7(a) purchase breaks down at the $360,000 asking price.
Your equity injection — as little as 10% down.
Seller-financed portion, paid from cash flow over time.
Financed through GoSBA — 25+ lenders compete, free to you.
Illustrative split of the purchase price at standard SBA 7(a) terms (10% down, 10% seller note). Working capital and closing costs are usually financed into the loan on top, so the actual SBA loan and monthly payment run a little higher — see the financing estimate below. Final terms depend on lender underwriting; a GoSBA advisor models your real numbers, free.
What to verify before you close. Your GoSBA advisor and lender work this list with you, free.
Estimates only. Talk to your advisor →
Benchmarked against same-industry multiples and recent comparable sales.
Priced below the 2.9x industry median — room for a healthy DSCR.
Benchmarked against 2 recent comparable sales.
| Business | Sold | CF multiple | Revenue | Margin |
|---|---|---|---|---|
| Allstate Agency | $790K | 3.0x | $376K | 55% |
| Independent P&C Agency | $570K | 2.4x | $241K | 60% |
To protect the seller's confidentiality, the exact address and business name are released to buyers after the NDA is signed.
A clear path from interest to close — your advisor guides every step.
One agreement unlocks the full data room.
Verified P&L, tax returns, and the CIM.
An intro call with the seller and your GoSBA advisor.
Submit a letter of intent on terms you set.
GoSBA arranges your SBA financing; you close.
Optional — model an SBA 7(a) purchase at standard terms. DSCR 1.27× at 10% down.
Stress-test the numbers at standard SBA terms. Estimate only.
Estimate only — subject to SBA SOP & lender underwriting.
Stable, renewal-driven demand for personal and commercial P&C insurance.
Source: IBISWorld Insurance Agencies, 2026
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