Niche Travel Agency

Price: $219,000

Location: Home-based in the Springfield-Branson area of Missouri

Industry: Travel

Listing ID: 42500018

Listing Status: New


Highlights of Business
• Business is very well-established, nicely profitable, and fun to operate
• 2022 sales were up over 2021 and 2019, the last year before Covid
• Only 2 employees
• Clean books and records
• Seller will train buyer for two months at no additional cost
• Typical work week for owner is 9-5 Monday-Friday
• Business qualifies for SBA financing, which means lower down payment and longer terms
• Home based business
• Seller will sign a non-compete agreement
• IATAN Accredited and holds an IATAN card as a tour operator

History of the Business
The owner started the business in the 1990’s.

During 2021, the company served 221 individual customers and 58 groups. Approximately 26% of revenue is derived from individuals, with the rest coming from groups.

The seller of this business is representing that the Discretionary Earnings (also known as Normalized Cash Flow or Total Owner Benefit) of the business were $99,695 for 2022 and that they can prove it to a buyer and their accountant’s satisfaction.

The Discretionary Earnings is the amount which a buyer would have had available to pay themselves a salary and service the debt from purchasing the business, had they owned the business that year and operated it no better nor worse than did the seller.


Down Payment: $27,450

Total Sales: $1,267,194

Cash Flow: $99,695



Accounts Receivable: N/A


Inventory: N/A


Year Established: 1995

Days & Hours of Operation: Monday-Friday, 9-5

Owner Hours Per Week: Approximately 40

Non-Owner Payroll: N/A

Employees: 1 full-time employee and 1 part-time employee


Real Estate: N/A

Monthly Rent: N/A

Type of Location: Home-based

Relocatable: Yes


Facilities Information:

The business has been operated from the owner's basement for the last 10 years.

Reason For Sale:


Training & Support:

The seller will provide 2 months of training at no additional cost.


This business qualifies for SBA financing, since it has good books and records, and is priced attractively for its Discretionary Earnings.

The seller estimates that $50,000 would be needed for working capital. Buyers should consult their accountant if necessary, to determine if that is an appropriate amount of working capital for this business. Most lenders would be happy to loan that much working capital for this business, as the cash flow from the business would support it.

Down payment for the business would be approximately $27,450, assuming an SBA loan, sales price of the business of $219,000, $50,000 borrowed for working capital, and loan expenses added to the SBA loan of $5,500.

The advantages of a business being able to be financed with an SBA-guaranteed loan are:

1) A lower down payment than a seller would require were they providing financing (typically only 10% of the Project Cost is required by SBA rules);
2) A much longer term than a seller would offer (typically 10 years per SBA rules); and
3) A lower interest rate than a seller would typically offer (currently around 9.5%).

Often a conventional loan is not a possibility in financing the purchase of a business, because the cash flow of most successful businesses is worth more than the value of the business’ assets, so there is insufficient collateral to secure a conventional loan. SBA loans are based on the cash flow of the business and for the most part are made irrespective of the amount of collateral available.


The SBA historically has charged a guaranty fee of up to 3.75% of the guaranteed portion of the loan, which is 75% of the loan. The guaranty fee is added to the loan.

Currently, there is no guaranty fee on loans up to $500,000.

On this business, the savings in guaranty fees is approximately $6,485, as long as the current attractive SBA guaranty fee provisions are in place.

For more information on this listing, please complete our Non-Disclosure Agreement