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BIZBITE

Estate Sale Company

75 million boomers. A lifetime of stuff. Someone has to sell it.

Bottom line

Strong cash-flow candidate with manageable operations.

Estate sale companies organize and run sales of household contents — furniture, antiques, jewelry, tools, collectibles — on behalf of estates, families in transition, or downsizing homeowners. They keep 25–40% of gross proceeds as their fee. No inventory to buy. No warehouse needed. Just sourcing, staging, pricing, and selling. With 10,000 Americans turning 65 every single day through 2030, the supply of estates is essentially guaranteed.

Acquisition score
Margin · multiple · SBA data
70Strong
Avg revenue
$450K/yr
$200K–$900K range
Profit margin
42%
~$189K SDE
Multiple
1.5–2.5×
of SDE
Est. buy price
$284K–$473K
startup: $5K–$25K

How It Works

An estate sale company is hired by a family, attorney, or executor to liquidate the contents of a home. The company handles staging, pricing (often by specialists), advertising, conducting the 2–3 day sale, and cleanup. They keep 25–40% of gross receipts as their commission. A busy operator running 2 sales/month at $50K gross each earns $25K–$40K/month in commissions — with near-zero cost of goods.

BizBite verdict

Worth underwriting

Estate Sale Company 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.

70Strong
medium data confidence · 52/100medium financing fit

Why it may work

  • +Attractive 42% estimated margin profile

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 453310 · Used Merchandise Stores

Deals tracked
9
0 in last 24 mo
Median loan
$418K
$372K–$465K p25–p75
Implied deal size
$491K
median · ~85% LTV
Charge-off rate
not enough resolved loans

Deal size distribution

<$150K
1
$150K–500K
6
$500K–1M
0
$1M–2M
2
>$2M
0

Financing profile

Median rate
last 24 mo
Median term
120 mo
standard 10-yr
Collateralized
0%
of loans secured
Median jobs
8
supported per deal
Top lenders in this space
Pinnacle Bank2
Citizens Bank1
Gulf Coast Bank and Trust Company1
The Huntington National Bank1
Byline Bank1
Where deals happen
TX2
WI2
ID1
LA1
MN1
MI1
GA1

Recent comparable deals

ClosedStateLoanImplied deal
Jun 2022MN$392K$461K
Mar 2022WI$465K$547K
Jul 2021GA$372K$438K
May 2021ID$1.5M$1.7M
Feb 2021TX$418K$491K
Sep 2020WI$185K$218K
Sep 2020TX$1.1M$1.3M
Aug 2020LA$428K$504K
Dec 2019MI$76K$89K
Volume rank #398/544Deal-size rank #458/544p90 loan: $1.1MData 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 $189K SDE — can this deal service its own debt?

3.41×
DSCR · Lender-comfortable
Purchase multiple — 2.0× SDE ($380K)
Category range: 1.5×–2.5× SDE
Down payment — 10% ($38K)
SBA minimum equity injection is 10% for change-of-ownership
Interest rate — 10.50%
Typical SBA 7(a) range: 9.5–12% (prime-based)
Loan term — 10 years
SBA median for this category: 120 months
Purchase price
$380K
2.0× of $189K SDE
Cash to close
$49K
$38K down + ~3% closing
Debt service
$5K/mo
$55K/yr on $342K loan
Cash-on-cash
270%
cash back in ~5 mo
Debt service coverage · what the lender sees
3.41×+$11K/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

  • +No inventory to purchase — you sell what's already there
  • +Demographic tailwind: aging boomers = 40+ years of supply
  • +Low startup costs — can start solo with a camera and EstateSales.net listing
  • +Hybrid online + in-person model increases reach and revenue
  • +Repeat clients: attorneys, real estate agents, and senior living advisors

Cons

  • -Highly variable sale quality — not every estate is profitable
  • -Weekend-heavy work schedule during sales
  • -Labor-intensive setup: staging, photography, pricing for hundreds of items
  • -Reputation-dependent — bad reviews travel fast in local markets

Best For

Detail-oriented operators with local network and eye for value

Operating Costs

Costs include staff for staging/cashiering, advertising (EstateSales.net, social, signage), basic insurance, and transport for select items. Profit margins are high because you never own the merchandise.

Where to Buy

EstateSales.net

Largest US estate sale directory — find established operators to acquire

BizBuySell

Search service business listings including estate companies

ASEL

American Society of Estate Liquidators — industry directory and standards

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