EBIT Newsletter 005

Newly Listed Deals

General Dentistry Practice Business

A well-established insurance brokerage operating since 1997 with a focus on P&L.

• 📍 Location: Monroe County, AL

• 💰 Asking Price: $1.2M

• 💼 Cash Flow: $0.51M

• 📊 Revenue: $1.69M


• ℹ️ Source: Broker Tworld

• ⌛ Listed: 2 Days Ago

Overview: This thriving general dentistry practice in Southeast Alabama has been serving the community for over 30 years, offering a comprehensive range of preventive, restorative, and cosmetic dental services. The practice currently serves 40+ patients daily, with the capacity to accommodate up to 60 per day. Due to high demand, there is a backlog of over three months for cleanings and a wait time of 1-3 weeks for procedures. Equipped with state-of-the-art technology and a loyal patient base, the practice has a strong reputation for quality care. The current owner is seeking to retire and is committed to ensuring a smooth transition. This is an excellent opportunity for a dental professional looking to acquire a well-established, high-demand practice with significant growth potential.

Pest Control Business

A well-established and very profitable pest control business in West Florida.

• 📍 Location: Manatee County, FL

• 💰 Asking Price: $1.5M

• 💼 EBITDA: $0.49M

• 📊 Revenue: $1.2M

• ℹ️ Source: Businesses for Sale

• ⌛ Listed: 2 Days Ago

Overview: This well-established and highly profitable pest control company in Manatee County, Florida, is a turnkey operation requiring minimal owner involvement, currently operating just 10 hours per week. The business is well-managed, with a capable team handling nearly all daily duties. The company thrives on word-of-mouth referrals with minimal advertising expenses, indicating significant room for growth and expansion. The owner is willing to assist with business qualification as needed. The business is SBA lender pre-qualified with $500,000 down, making it an excellent opportunity for anyone looking to enter a profitable industry with an established customer base.

Medical Practice and Med Spa Business

• 📍 Location: Allegheny County, PA

• 💰 Asking Price: $1.17M

• 💼 Cash Flow: $0.45M

• 📊 Revenue: $1.38M

• ℹ️ Source: Businesses for Sale

• ⌛ Listed: 3 Days Ago

Overview: Established in the early 2000s, this family medical practice and medical spa in Allegheny County, Pennsylvania, offers comprehensive healthcare services. The family practice provides routine check-ups, specialized treatments, and preventive care, while the medical spa offers physician-grade skincare services, laser hair and cosmetic treatments, skin tightening, skin filler injections, and weight loss programs. The facility includes 10 exam rooms, a shared reception area, offices, a breakroom, and storage space for the medical practice, as well as three treatment rooms and a reception area for the medical spa. The current lease is $10,807.95 per month, expiring on February 28, 2026, with the landlord open to extension. This well-established practice, with its experienced team and diverse service offerings, presents a solid foundation for continued growth and success in the healthcare industry.

SMB Industry Insights

• Business Management: Master these 5 cash flow ratios to optimize your SMB's financial health: cash ratio, margin, coverage, operating flow, and interest coverage @ConnorAbene

• Business Management: Aim to hire employees who are smarter and more skilled to drive business growth @SBA_Matthias

• Business Management: Improve financial decisions by maintaining clean books, systematic reviews, and clear dashboards @ConnorAbene

• Financing: Businesses with $1-2M EBITDA trade at 3-4x, ideal for SBA financing due to market inefficiencies @theSMBInvestor

• Financing: Avoid tax season panic by preparing finances early to ensure smooth operations and payroll @brianbeers

Understanding the SBA 7(a) Loan Program for Acquisition Entrepreneurs

The SBA 7(a) loan program is a powerful financing tool for small business acquisitions, particularly for self-funded searchers. Designed to support small businesses that may not qualify for traditional financing, the program provides government-backed guarantees, reducing lender risk and increasing access to capital.

Key Benefits of 7(a) Loans:

• Up to $5M in financing with favorable 10-year terms and full amortization.

• No financial covenants, allowing entrepreneurs flexibility to grow without restrictive lender oversight.

• Minimal equity requirements, with as little as 10% down.

• Relatively low cost of capital, as the SBA guarantee lowers lender risk.

Considerations and Drawbacks:

• Loan size limitation ($5M cap) may restrict acquisitions of larger businesses.

• Strict deal structure rules (e.g., no earn-outs, personal guarantees for 20%+ equity holders).

• Extensive paperwork and underwriting can slow down the closing process.

For self-funded searchers, the 7(a) loan can be an excellent vehicle to acquire and scale a business with minimal equity dilution. However, entrepreneurs must weigh the personal guarantee requirement and structural limitations before committing.

Selecting the right lender is crucial, as Preferred Lender Program (PLP) banks can fast-track approvals. Working with an SBA loan broker can also help navigate the process and secure the best financing terms.

When used strategically, the SBA 7(a) loan can be a wealth-generating tool that accelerates business ownership while maintaining flexibility and control.

Click here to view discussion on X whether the program will get cut with the new administration @SMB_Attorney.

Also check out SBA loan brokers from the EBIT Community:

1. Viso Capital

2. AWG Capital Advisory

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