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Sacramento County, California
Asking Price
$159,000
Revenue
Call/Email
Down
$20,000
Cash Flow
Call/Email
Name: Matt Mertens
Name
Matt Mertens
FE&E:
$15,000
Reason for sale:
To pursue a new opportunity
Lease Options:
$2,950
Listing Number:
71701-622986
Sales:
$339,000
Seller's Discretionary Earnings:
$93,000
Posting ID:
ID tw:82907 / Listing Number 71701-622986
Business Category:
Educational/School
Keywords:
Transworld
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High-Growth, High-Margin Farmers Insurance Agency Sacramento, CA
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Rare opportunity to acquire a top-performing Farmers Insurance agency in one of Sacramento's most desirable areas. This long-established agency, originally founded in the early 1990s and acquired by the current owner in 2013, has delivered three consecutive years of accelerating revenue growth, culminating in 20% year-over-year growth in 2025 — approximately 5x the industry average. The agency manages over $4.3 million in total written premium across 1,919 policies spanning Auto, Homeowners, Life, Commercial, and specialty lines. Revenue reached $578,673 in 2025 with CPA-verified Seller's Discretionary Earnings of $275,555, representing a 47.6% SDE margin — among the highest in its category. This is not a typical captive agency. In addition to the core Farmers book, the agency operates a diversified independent brokerage platform generating approximately $100,000 in additional annual commissions across 150+ policies. This hybrid model provides revenue diversification and a built-in growth platform for the buyer. The agency benefits from established referral relationships and a strong local reputation, driving high-quality inbound opportunities. It is also licensed in both California and Nevada, opening cross-border growth opportunities. Retention is strong, with 100% Fire (homeowners) retention and 93% Life retention — both above district and state averages. Q1 2026 year-to-date retention stands at 96.87%, demonstrating continued momentum. The book is actively growing with 85 new policies written and a net increase of 23 policies in force through March 2026. The agency comes staffed with four employees, including three licensed producers and one support/marketing role. All systems, processes, and carrier relationships transfer with the sale. The seller is approaching retirement and is committed to a comprehensive 3-month post-close transition and training period to ensure continuity of client relationships and successful knowledge transfer to the new owner. Farmers Insurance agencies benefit from transferable book ownership, recurring commission revenue, brand-backed lead generation, and carrier infrastructure. Unlike more restrictive captive models, Farmers' open-market transfer program allows a true third-party sale process. This acquisition is well-suited for existing Farmers agents looking to expand, independent agency owners seeking a bolt-on, licensed insurance professionals entering agency ownership, or strategic acquirers building Sacramento market presence. All financials are CPA-verified and SBA-underwriting ready. NDA required before receiving the full Confidential Information Memorandum. Contact: Todd Eichman, Managing Partner — Transworld Business Advisors — teichman@tworld.com | 916-281-5838 Growth opportunities include expanding the agency’s independent brokerage platform, which already generates approximately $100K in annual commission revenue across 150+ policies through NowCerts; scaling commercial lines, which grew 37.6% year-over-year; cross-selling the existing 1,919-policy book; leveraging California and Nevada licensing for cross-border growth; and increasing digital marketing and online lead capture. The agency’s hybrid Farmers plus independent brokerage model provides a strong platform for retaining clients when Farmers is not the best fit and creating additional revenue opportunities beyond a traditional captive-only agency. https://tworld.com/locations/California/saccentralnapavalley/listings/High-Growth-High-Margin-Farmers-Insurance-Agency-Sacramento-CA

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40-Year Sacramento Appliance Distributor — SBA Pre-Approved
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40-Year Sacramento Appliance Distributor — SBA Pre-Approved, $1.4M+ Pre-Sold Backlog Representing a staple of the Sacramento business community, this asset-rich appliance distribution and retail center is available for the first time in approximately 40 years. This is not a "potential-based" listing; it is a "straight-facts" acquisition opportunity with a record-breaking 2024 revenue of $3.23M, verified by IRS tax returns. The business operates as a critical partner to a vast network of local contractors and developers, providing a defensible moat that big-box retailers cannot penetrate. The sale includes an expanding pre-sold contractor backlog—now exceeding $1.4 million—that transfers to the buyer on Day 1, ensuring immediate cash flow and operational momentum from the moment of closing. INVESTMENT HIGHLIGHTS -SBA Pre-Approved: This opportunity has undergone an initial SBA financing pre-screen and is formally pre-qualified for 7(a) acquisition financing. Preliminary analysis indicates sufficient cash flow to support the $825,000 purchase price, with eligibility for an SBA loan amount covering 90% of the total project cost over a 10-year term. -$1.4M+ Pre-Sold Backlog: As of late March 2026, the pre-sold pipeline has grown from $974K to over $1.4 million. This self-replenishing pipeline contains hundreds of thousands in locked-in gross profit, providing a built-in safety net for a new owner from the moment of closing. -Asset-Heavy Value: Priced at $825,000, the deal is heavily weighted toward hard assets. With an adjusted inventory and equipment floor of over $744,000, the buyer is paying only approximately $81,000 in goodwill — less than half a year's weighted earnings — for a 40-year legacy. The listing price is supported by an independently calculated floor value of $744,079. -Record Revenue: 2024 marked the highest gross receipts in company history at $3.23M. Three consecutive years of IRS-verified revenue above $3 million — 2022, 2023, and 2024 — confirm the business's consistency and resilience. -Strategic Location: Operating from a high-visibility showroom on a major Sacramento thoroughfare, the business benefits from decades of organic foot traffic and professional contractor pickups. REASON FOR SALE After four decades of successful operation, the founding owner is seeking retirement. The seller is committed to a thorough transition period to ensure the long-term success of the contractor relationships and staff stability. FINANCIAL SUMMARY --Asking Price: $825,000 --2024 Revenue: $3,234,907 (IRS Verified) --Weighted SDE: $180,424 (3-year average, 2022–2024) --Inventory (Included): ~$847,000 (Adjusted) --Established: c. 1946 NOTE ON 2025 EARNINGS The 2025 Seller's Discretionary Earnings of $15,802 reflects an accounting timing difference specific to this business model — not operational decline. Under the contractor presold model, revenue and profit are recognized only upon delivery. As of late Q1 2026, the pre-sold pipeline contains over $1.4 million in contracted orders awaiting delivery. The profit from these orders does not appear on the 2025 P&L but will be recognized in 2026 as deliveries occur. A buyer who closes this acquisition inherits the right to that profit on Day 1. Full detail and supporting documentation are provided in the Confidential Information Memorandum. This listing is confidential. A signed Non-Disclosure Agreement is required to receive the business name, address, and full financial package including four years of IRS-verified tax returns, the lender-adjusted valuation report, formal SBA pre-approval terms, and the presold pipeline detail. Presented by Transworld Business Advisors of Sacramento Central Todd Eichman, Managing Partner | CA DRE License #02145503 | Direct: 916-281-5838 https://tworld.com/locations/California/saccentralnapavalley/listings/40-Year-Sacramento-Appliance-Distributor-—-SBA-Pre-Approved

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The workforce is trained to deliver high-quality service and foster positive customer experiences, with employee engagement initiatives maintaining a motivated and skilled team. By combining strategic facility design, accessible services, and family focused offerings, the Company creates a welcoming environment for customers to explore creativity. Their business model emphasizes quality, accessibility, and immediate results, appealing to both children and adults. The Company’s focus on customer retention is backed by membership programs, recurring classes, and word-of mouth recommendations, ensuring sustainable growth. Their reliable, community-driven approach positions them as a provider of creative experiences with broad appeal in South Carolina and the greater Charlotte area. Growth Opportunities The business offers multiple opportunities for growth under new ownership. While the studio has established a strong presence within its local market, several initiatives remain available to increase revenue, improve customer retention, and expand market awareness. Expand Membership Programs Memberships provide an opportunity to increase recurring revenue while strengthening customer retention. By enhancing membership benefits, increasing marketing efforts, and creating family-focused packages, a new owner may be able to increase visit frequency and customer lifetime value. Increase Enrollment in Recurring Art Classes Recurring classes offer predictable revenue and provide a natural pathway into other services such as camps, workshops, and birthday parties. Additional marketing efforts, improved scheduling, and targeted outreach to local schools and homeschool communities may help increase enrollment. Grow Summer Camp Revenue Summer camps represent one of the studio's core revenue streams. Opportunities exist to expand camp attendance through earlier registration campaigns, partnerships with local schools and community organizations, referral incentives, and enhanced digital marketing. Expand Birthday Party and Private Event Bookings Birthday parties serve as a significant customer acquisition channel, often introducing new families to the studio. Additional focus on party packages, referral programs, and targeted marketing could increase booking volume. Corporate team-building events, school events, scouting groups, and private gatherings represent additional opportunities for growth. Increase Corporate and Team-Building Events The current ownership has identified corporate team-building events as an area with significant growth potential. The studio's creative environment provides a unique alternative to traditional corporate outings and may appeal to businesses throughout the greater Charlotte and Fort Mill markets. Strengthen Digital Marketing and Local Awareness The business currently generates customers through social media, search marketing, community events, referrals, and local partnerships. Continued investment in digital advertising, search engine optimization, social media engagement, and email marketing may further increase market penetration within the rapidly growing Fort Mill and South Charlotte areas. Leverage Population Growth and Family Demographics The studio benefits from its location within a high-growth market characterized by strong family demographics. Continued residential development throughout Fort Mill, Indian Land, and the surrounding Charlotte metropolitan area may provide a growing customer base for camps, classes, workshops, and events. Maximize Customer Lifecycle Value The business benefits from a natural progression of customer engagement. Birthday party guests often return for camps, classes, workshops, memberships, and future events. Formalizing this customer journey through follow-up marketing campaigns and loyalty programs may improve retention and increase revenue per customer. Extend Community Partnerships Additional partnerships with schools, homeschool organizations, community groups, churches, daycare providers, and youth organizations may provide opportunities for increased visibility, recurring events, and customer acquisition. Owner-Operator Opportunity The current owner's involvement has declined from approximately 35-40 hours per week to 15-20 hours per week. An owner-operator with a strong focus on sales, community outreach, and local marketing may uncover additional growth opportunities while improving operational performance. https://tworld.com/locations/South-Carolina/charlottemetro/listings/Acquire-a-Fully-Built-Art-Studio-at-a-Fraction-of-Startup-Cost

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