Food & Beverage
Financial summary
Comparable pricing
Limited comparables for this listing. No reliable benchmark yet.
Methodology refines over time.
SBA financeability
Businesses in food services & beverage retail are commonly SBA-financed. The figures below are the industry-category norm from SBA 7(a)/504 lending, a gauge of how financeable a deal like this tends to be.
Food Services & Beverage Retail benchmarks
Typical SBA leverage
71%
Industry charge-off
1.3%
Common term
10 yr
Median loan
$269,200
Active lenders in this category: The Huntington National Bank, U.S. Bank, National Association, Manufacturers and Traders Trust Company.
Based on 52,309 SBA loans · source: SBA 7(a)/504 FOIA, as of 2026Q1 · industry-category level.
Detailed information
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Key points
Business description
This is a rare opportunity to acquire a beloved, community-rooted bakery and café with over a decade of proven performance in the heart of the Merrimack Valley. With a loyal customer base built over 10+ years, an established brand reputation, and a prime retail location — this business is ready for a passionate owner-operator to walk in and carry the legacy forward from day one. The operation runs on a straightforward, manageable model: a focused and proven menu, low overhead anchored by an exceptional $4,000/month lease, and a customer community that keeps coming back. This is not a startup — it is an established business with real roots in the neighborhood. The bakery offers a diverse and appealing menu across two core categories: Baked Goods & Food: • Ice cream — signature flavors and seasonal offerings • House-made cookies — a consistent customer favorite • Breakfast sandwiches — a morning traffic driver that sets this apart from traditional bakeries Beverages: • Coffee — drip, specialty espresso drinks, and more • Smoothies — fresh and customizable • Variety of additional liquid offerings to drive ticket size and repeat visit The breakfast sandwich and beverage program is a key differentiator — it transforms a traditional bakery into an all-day destination and opens the door to morning commuter traffic. Why this opportunity stands out: • 10+ years of brand equity, goodwill, and community trust — already built for you • $4,000/month rent is exceptional for a prime Merrimack Valley retail location — a massive structural cost advantage • Turnkey operation: walk in with existing equipment, recipes, supplier relationships, and a trained customer base • Owner-operator friendly — ideal for a hands-on buyer ready to put their own stamp on an already-successful concept • All-day traffic model: morning breakfast sandwich + coffee rush, afternoon bakery and sweets, and beverage sales throughout • Merrimack Valley is a growing market with strong local pride — community-based food businesses thrive here • No need to build from scratch — the hardest years are behind you This business is best suited for: • An aspiring owner-operator looking to leave the corporate world and invest in something real and community-connected • A food & beverage professional ready to be their own boss without the risk of a startup • An existing bakery or café operator looking to expand in the Merrimack Valley market • A buyer who values lifestyle, flexibility, and community impact alongside financial returns
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