The numbers
As stated by the listing on September 24, 2026.
- Asking price
- $195,000
- SDE
- $190,000
- Gross revenue
- $250,000
- Multiple
- 1.03x
- Established
- 2023
Why we like it
Hair keeps growing whether or not the economy does, and a cut or color job does not sit on a shelf waiting to be sold again: it has to be repurchased roughly every four to six weeks, which is what turns a haircut into something close to a subscription even though nobody calls it that. That maintenance cycle is what makes the chair, not any product line, the actual asset in this trade. This shop runs as a combined hair salon and barbershop in Aventura, a dense South Florida community built around condo towers and retail traffic, serving both segments of clientele under one roof instead of specializing in one or the other. The first thing to understand is whether the people behind the chairs are commissioned employees or booth renters paying to use the space, because those are two different businesses wearing the same sign: one where the owner controls scheduling and client relationships, and one where the owner is really a landlord collecting chair rent from operators who could leave with their client books tomorrow. Florida licenses both the individual and the shop separately, so a change of ownership means confirming the establishment license carries over cleanly. A salon like this grows by filling empty chair hours and keeping stylists long enough that their regulars become the shop's regulars, not by adding square footage.
You probably need a licence to run this
Florida requires two separate credentials in this trade: each stylist and barber working behind a chair must hold a personal cosmetology or barber license from the state, and the salon itself must hold a separate establishment license. Neither personal license transfers with a sale. If the buyer will not personally be cutting hair, they do not need to hold a cosmetology license themselves and can staff the shop with already-licensed stylists and barbers, but they still need to confirm the establishment license is current and understand what is required to carry it over or reissue it under new ownership.
What worries us
- Stated margin is unusually rich for the tradeSDE of $190,000 on $250,000 of stated revenue is a 76 percent margin, and salons typically carry real costs in product, commission or booth-rent splits, and rent that eat far more of revenue than that; treat the seller's number as a claim to verify against tax returns and a full P&L, not a settled fact.
- Clientele may belong to the stylists, not the businessIf the people behind the chairs are commissioned or, especially, independent booth renters, the client relationships and repeat visits can walk out the door with them. Find out how the staffing is structured and whether any long-tenured stylists would be a retention risk under new ownership.
- Very short operating historyThe business was established in 2023, giving it only a few years of track record to judge whether the stated revenue and SDE are stable figures or the product of an early ramp-up. Ask for year-by-year figures rather than relying on a single trailing number.
The callSuits a hands-on buyer willing to dig into thin financials and manage stylist turnover, not someone seeking a passive, already-proven cash flow business.
Our calculations
Our standard SBA 7(a) acquisition structure applied to the asking price. Assumptions below.
Sources
| SBA 7(a) loan | $184,501 |
| Seller standby note | $10,250 |
| Buyer cash at close | $10,250 |
| Total sources | $205,001 |
Uses
| Purchase price | $195,000 |
| Closing costs (est.) | $5,850 |
| SBA guaranty fee | $4,151 |
| Total project | $205,001 |
- Monthly payment
- $2,362
- Annual debt service
- $28,347
- DSCR
- 1.96xSTRONG
- Injection check
- Meets 10% ($20,500 against $20,500 required)
- Closing costs estimated at 3% of asking price
- Owner salary of $120,000, loaded
- Rate of Prime + 2.25% = 9.25%
- 10-year term, fully amortizing
- Injection split half cash, half seller standby note
How we would go about buying it
The order matters. Every step below is free until the last one, and each is a chance to walk away before it costs you anything.
- 1
Call the broker, not the bank
The listing is brokered, so the broker is the gate. Ask for the CIM and the last three years of tax returns, and expect to sign an NDA first. Do this before you talk to a lender: no lender will size a loan without the numbers, and the broker will not release them to a lender you have not engaged.
Open the listing - 2
Ask these before you spend anything
Specific to this business, from our read of the listing. The answers decide whether the numbers above survive contact.
- Are the stylists and barbers here commissioned employees or independent booth renters, and what share of the stated $250,000 revenue comes from each group?
- Can you provide tax returns and a detailed P&L breaking out product cost of goods, labor or booth rent income, and occupancy costs, to explain how SDE reaches 76 percent of stated revenue?
- What is the remaining term on the location lease, and does it renew on terms a buyer can rely on for SBA financing?
- Is the salon's state establishment license current and in good standing, and what is required to transfer or reissue it to a new owner?
- How many of the current stylists and barbers have been with the shop since it opened in 2023, and are any likely to leave or take their client book elsewhere after a sale?
- 3
Take it to lenders who do this size
Talk to more than one. Rate is the least of it: the lender who has done fifty of these in Florida will close, and the one who has done two will waste your quarter. Below are the lenders whose typical deal size actually fits this one.
- 4
Structure the offer around the coverage
Our structure clears the floor at 1.96x, and a lender will run its own version with its own add-backs. If the earnings come back lower than stated, the price has to come down or the seller note has to grow. Model both before you make an offer.
Model it yourself
Who we would call
Active Florida acquisition lenders whose typical deal size fits this one.
- Huntington National Bank
146 loans in FLmedian $408,500median rate 9.25%~32 days to first disbursement
- Fidelity Bank
22 loans in FLmedian $578,500median rate 9.50%~20 days to first disbursement
- Newtek Bank, National Association
21 loans in FLmedian $200,000median rate 10.00%~31 days to first disbursement
Loan counts and medians are that lender’s change-of-ownership loans in Florida, FY2025 to FY2026 Q3. Funding speed is the lender’s national median from approval to first disbursement. Names link to our data profile for each lender.
The fine print
The statements this write-up makes about the trade and its rules, as opposed to the figures, were checked against public sources on September 24, 2026. 6 claims were checked.
Run your own numbers
The deal analyzer models price, seller note, equity injection, and DSCR under current SBA terms, with every assumption adjustable.
Open the deal analyzerListing facts as stated by the listing on September 24, 2026, not independently verified. Structure, payment, DSCR, and injection figures are our own computation under the assumptions above, using the Prime rate as of September 28, 2026. Lender shortlist from the SBA 7(a) FOIA file, FY2025 to FY2026 Q3, as of June 30, 2026. Methodology. See an error? Email us and we will correct it.