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BIZBITE

Commercial Aquarium Maintenance

Restaurants and hotels pay monthly to keep fish alive. Forever.

Bottom line

Strong cash-flow candidate with manageable operations.

Commercial aquarium maintenance companies design, install, and service saltwater and freshwater aquariums for restaurants, hotels, dental offices, lobbies, and high-end residences. Once installed, clients pay $200–$1,500/month per tank for cleaning, water testing, livestock replacement, and repairs — indefinitely. It's a recurring-revenue service route with virtually zero client churn once the tank becomes part of the décor.

Acquisition score
Margin · multiple · SBA data
71Strong
Avg revenue
$220K/yr
$60K–$600K range
Profit margin
42%
~$92K SDE
Multiple
2–3×
of SDE
Est. buy price
$185K–$277K
startup: $10K–$50K

How It Works

Operators land commercial contracts with restaurants, hotels, or medical offices, then install custom aquariums (often reselling the tank at markup). Monthly service agreements cover water changes, algae removal, filter maintenance, water chemistry testing, and fish replacement. A single technician can manage 20–30 accounts per week. Revenue per account: $250–$800/month. New installs generate $5K–$25K upfront plus the recurring tail.

BizBite verdict

Worth underwriting

Commercial Aquarium Maintenance has enough high-level data for a first look, but BizBite has not assigned a category-specific operating model yet. Treat the score as preliminary.

71Strong
medium data confidence · 52/100medium financing fit

Why it may work

  • +Attractive 42% estimated margin profile
  • +SBA dataset shows 67 recent comparable loans

Be careful

  • !Source link status has not been verified yet
  • !No last-checked date yet
  • !No category operating model yet

SBA 7(a) data

Real acquisitions in this category

Change-of-ownership loans · NAICS 561790 · Other Services to Buildings and Dwellings

Deals tracked
182
67 in last 24 mo
Median loan
$448K
$245K–$978K p25–p75
Implied deal size
$527K
median · ~85% LTV
Charge-off rate
not enough resolved loans

Deal size distribution

<$150K
23
$150K–500K
75
$500K–1M
40
$1M–2M
36
>$2M
8

Deal flow over time

12-month momentum
−13.9%
deal volume vs prior 12 mo
Median loan Δ
−51.7%
31 recent · 36 prior

Financing profile

Median rate
9.75%
9% fixed · last 24 mo
Median term
120 mo
standard 10-yr
Collateralized
0%
of loans secured
Median jobs
7
supported per deal
Top lenders in this space
Live Oak Banking Company23
The Huntington National Bank13
Customers Bank7
Stearns Bank National Association6
Columbia Bank5
Where deals happen
FL23
TX21
CA17
AZ11
OH9
CO8
WA6
IL6
KS5
MA5

Franchise vs independent

Franchised acquisitions finance at $350K median vs $471K for independents — a −26% franchise discount. Franchises make up 20% of deals tracked.

Recent comparable deals

ClosedStateLoanImplied deal
Mar 2026TX$350K$412K
Mar 2026NJ$1.2M$1.4M
Feb 2026LA$402K$473K
Feb 2026FL$55K$65K
Feb 2026FL$615K$723K
Feb 2026FL$50K$59K
Jan 2026TX$270K$318K
Jan 2026KS$171K$201K
Jan 2026FL$650K$765K
Jan 2026KS$211K$248K
Volume rank #44/544Deal-size rank #438/544Momentum rank #222p90 loan: $1.6MData as of Mar 2026

Source: SBA 7(a) FOIA dataset, filtered to acquisitions (loans where business age is "Change of Ownership"). Implied deal size assumes an 85% loan-to-purchase ratio, a common SBA change-of-ownership structure. Charge-off rate shown only when 10+ loans have resolved (paid in full or charged off). Interest rates reflect last 24 months only. Actual deal values vary with equity injections, seller financing, and working capital terms.

Deal Calculator

Priced off $92K SDE — can this deal service its own debt?

2.84×
DSCR · Lender-comfortable
Purchase multiple — 2.5× SDE ($230K)
Category range: 2×–3× SDE
Down payment — 10% ($23K)
SBA minimum equity injection is 10% for change-of-ownership
Interest rate — 9.75%
SBA median for this category: 9.8%
Loan term — 10 years
SBA median for this category: 120 months
Purchase price
$230K
2.5× of $92K SDE
Cash to close
$30K
$23K down + ~3% closing
Debt service
$3K/mo
$32K/yr on $207K loan
Cash-on-cash
200%
cash back in ~6 mo
Debt service coverage · what the lender sees
2.84×+$5K/mo after debt
Most SBA lenders want ≥1.25× coverage; 1.5×+ is a strong file.

SDE = revenue × margin estimate for this niche; it includes owner compensation, so budget your salary out of cash flow. Excludes working-capital injection, capex reserves, and taxes. Actual SBA terms vary by lender and borrower.

Pros

  • +Recurring monthly revenue — accounts rarely cancel once a tank is embedded in the space
  • +Virtually no competition: few operators, low awareness, high skill barrier deters copycats
  • +Owners often work 3–4 days/week once a route is established
  • +High-end clients (restaurants, hotels, doctors) pay reliably and upgrade tanks over time

Cons

  • -Livestock losses are client-facing and emotional — dead fish erode trust fast
  • -Saltwater expertise takes 6–12 months to develop; mistakes are expensive
  • -Geographic constraint: you can only service tanks within a few hours of your base

Best For

Aquarium hobbyists or biology-minded operators who want a recurring-revenue route business with no digital competition

Operating Costs

Primary costs: fish/livestock (10–15% of revenue), chemicals and supplies (8%), transportation, and part-time labor for growth. No storefront needed — pure route-based model.

Where to Buy

BizBuySell

Occasional listings for established aquarium service routes with commercial accounts

TRUiC

Business structure and startup guidance for aquarium maintenance operators

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