Bagel Shop & Deli for Sale in New York, NY
Why this business stands out
This neighborhood bagel shop and deli has operated continuously in the New York metro area for over two decades, generating exceptional cash flow relative to its size with more than $321,000 in annual discretionary earnings. Deep community loyalty and daily morning traffic create a recession-resistant revenue base that has remained stable across multiple economic cycles. The business is fully turnkey and priced at $649,000, offering an attractive entry point for a first-time buyer or portfolio operator.
Financing snapshot
An illustrative SBA 7(a) scenario based on the figures above. Model your own assumptions in the SBA loan calculator.
- Asking price
- $649,000
- Cash flow (SDE/EBITDA)
- $321,858
- Est. down payment (10%)
- $64,900
- Est. SBA loan (10yr @ 10.5%)
- $584,100
- Est. monthly payment
- $7,882
- Annual debt service
- $94,579
- Owner cash flow after debt
- $227,279
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 food & beverage business cost?
The asking price is $649,000. 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 $321,858 in annual cash flow (SDE/EBITDA), implying a 2.0x multiple on the asking price.
Where is this food & beverage 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.