Established High-margin Jewelry Store for Sale in New York, NJ
Why this business stands out
This long-running retail jewelry store in the New York metro area specializes in custom jewelry design, expert repairs, and curated collections, serving a multi-generational loyal clientele. With cash flow well exceeding the loan payments on SBA-eligible financing and inventory included in the sale price, the business offers an attractive entry point for an owner-operator. Strong margins and a deep community reputation create a durable competitive position.
Financing snapshot
An illustrative SBA 7(a) scenario based on the figures above. Model your own assumptions in the SBA loan calculator.
- Asking price
- $699,000
- Cash flow (SDE/EBITDA)
- $574,146
- Est. down payment (10%)
- $69,900
- Est. SBA loan (10yr @ 10.5%)
- $629,100
- Est. monthly payment
- $8,489
- Annual debt service
- $101,865
- Owner cash flow after debt
- $472,281
Illustrative only — not a financing offer. Assumes a 10% down payment and a 10-year SBA 7(a) loan at 10.5%. Actual terms vary by lender, deal structure, and buyer profile.
The DSCR shown is computed on raw cash flow — before the owner-salary, maintenance-capex, and rent adjustments SBA lenders apply when underwriting. Model the lender's view in the DSCR calculator.
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Frequently asked questions
How much does this retail & e-commerce business cost?
The asking price is $699,000. Exact terms and any seller financing are confirmed directly with the seller after you sign up.
What is the cash flow and valuation multiple?
This business reports approximately $574,146 in annual cash flow (SDE/EBITDA), implying a 1.2x multiple on the asking price.
Where is this retail & e-commerce business located?
It operates in the New York-Newark-Jersey City area. The exact city is shown after you create a free Searcher OS account.
Can this acquisition be financed with an SBA loan?
Many businesses in this price range qualify for SBA 7(a) financing, which can cover up to 90% of the purchase price over a 10-year term. See the financing snapshot above for an illustrative scenario.