2026 Data

Retail Store Acquisition Cost Index

Median prices, SDE multiples, and financing data for retail store acquisitions. Source: BizBuySell Insight Report Q4 2024.

Educational data only. Figures are medians from published industry reports — not a site-specific valuation or financial advice. Disclaimer →

Median Acquisition Price

$125K

Median Annual Revenue

$480K

Median SDE

$70K

SDE Multiple Range

1x–2.5x

Typical LTV

75%

Avg Down Payment

25%

Avg DSCR

1.25x

Time to Close

1–3 mo

SBA Eligibility

~60%

Financing Details

Typical LTV75%

Avg down payment25% of price

Avg DSCR on closed deals1.25x

SBA eligibility rate~60% of deals

Market trend↓ Declining

Common deal structures

SBA 7(a)Seller FinancingConventional Bank

Key Valuation Factors

•E-commerce competition — retail businesses with online presence command premium
•Lease terms and rent as % of revenue are critical underwriting factors
•Inventory value and turnover rate affect asset valuation
•Category matters: specialty/niche retail outperforms commodity retail on multiples

SBA Financing for Retail Store Acquisitions

Approximately 60% of retail store transactions use SBA financing. SBA 7(a) is the most common structure, with a minimum 10% equity injection on the acquisition price. At a median price of $125K, that means approximately $13K out of pocket before closing costs and working capital.

DSCR requirement: SBA lenders require ≥ 1.25x on projected post-acquisition cash flow. The average DSCR on closed retail store transactions is approximately 1.25x — meaning there is typically adequate headroom.

Check DSCR for this deal →SBA 7(a) explained →

Data sources:

BizBuySell Insight Report Q4 2024

IBBA Market Pulse Q4 2024

National Retail Federation

Full methodology →

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