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MSP Title & Escrow Agency — $388K Adjusted EBITDA - Seller Financing
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Most title agencies for sale are declining books with aging owners. This is the opposite.
This Twin Cities title and escrow agency opened in September 2025 and was profitable in its first month. In its first twelve months it closed 447 files and produced $387,785 of adjusted EBITDA on $843,369 of adjusted revenue. The balance sheet is debt-free.
The cost structure is why the margins work. Closers are paid on commission from their own fee ledgers, so producer cost scales with revenue. Fixed overhead is one salaried closing coordinator, rent, software, and insurance. Financials were verified two independent ways, and every adjustment ties to a specific general ledger entry.
The agency runs on SoftPro with positive pay and wire-fraud protection in place from day one, under an agency appointment with a national underwriter. Volume comes from an affiliated commercial real estate platform that will continue referring post-sale under a compliant referral agreement, plus closer-owned realtor relationships.
The founder is selling for family reasons, not business ones, and will remain as a producing closer through September 2027 to transfer relationships. Seller financing up to 25% at 10% is available, or the owners will sell 51% and stay invested. The growth plan is simple: the model works at 3 closers; recruit to 10 and reach $3M in revenue by 2028.
Asking $1,300,000. Full offering memorandum, adjusted financials, and file-level production data available under NDA.
This Twin Cities title and escrow agency opened in September 2025 and was profitable in its first month. In its first twelve months it closed 447 files and produced $387,785 of adjusted EBITDA on $843,369 of adjusted revenue. The balance sheet is debt-free.
The cost structure is why the margins work. Closers are paid on commission from their own fee ledgers, so producer cost scales with revenue. Fixed overhead is one salaried closing coordinator, rent, software, and insurance. Financials were verified two independent ways, and every adjustment ties to a specific general ledger entry.
The agency runs on SoftPro with positive pay and wire-fraud protection in place from day one, under an agency appointment with a national underwriter. Volume comes from an affiliated commercial real estate platform that will continue referring post-sale under a compliant referral agreement, plus closer-owned realtor relationships.
The founder is selling for family reasons, not business ones, and will remain as a producing closer through September 2027 to transfer relationships. Seller financing up to 25% at 10% is available, or the owners will sell 51% and stay invested. The growth plan is simple: the model works at 3 closers; recruit to 10 and reach $3M in revenue by 2028.
Asking $1,300,000. Full offering memorandum, adjusted financials, and file-level production data available under NDA.
About the Business
- Years in Operation
- 1
- Employees
- 3 Contractors
- Facilities & Assets
- The agency operates from a professional office suite in a southwest-metro commercial building, leased at market rate with capacity to roughly triple the current team without moving. Assets include a full title production stack on SoftPro, wire-fraud protection and positive pay banking controls, a commercial copier, check scanners, furnishings, and a built-out closing room. The trust accounts convey at exact ledger balances per standard title practice. The most valuable assets are the underwriter appointment with a national title insurer and a clean, fully reconciled set of books — every file traces from the production system through the trust account to the financials.
- Market Outlook / Competition
- The Twin Cities is a top-20 metro with a deep residential resale base, active new construction, and a commercial market the agency already serves. Title is a relationship business: agencies win on closer relationships and service speed, not price, which favors a small operator with strong producers over the national brands. This agency's referral engine — an affiliated commercial real estate platform that will continue referring post-sale under a compliant agreement, plus closer-owned realtor books — gives it a durable volume floor most startups spend years building.
- Opportunities for Growth
- The model is proven and repeatable: commission closers who bring or build a book, paid from their own fee ledgers, generating house revenue on every file. Producer cost scales with revenue, software is per-file, and the office has room, so nothing in the cost structure blocks growth. The plan is to recruit from three closers to ten and reach $3M in revenue by the end of 2028, adding coordinators at roughly one per three to four closers and expanding lender and builder channels. The only constraint is a full-time owner-operator to recruit and lead — which is exactly the seat being sold.
Real Estate
- Owned or Leased
- Leased
- Building Sq. Ft.
- 1,500
- Rent
- $1,500 per month
About the Sale
- Seller Motivation
- Lifestyle choice, bringing in an operator to scale the brand.
- Transition Support
- The founder will remain as a producing closer through September 2027, the longest transition a buyer will find in this market. She will personally introduce the buyer to every referral relationship and train her own replacement. The senior closing coordinator provides day-to-day file processing continuity, both commission closers remain on their existing economics, and the current CFO supports the finance handoff. A buyer inherits a working team, not a manual.
- Financing Options
- Partial sale or Seller Note, 10% interest.
Listing Info
- ID
- 2552554
- Listing Views
- 88
Attached DocumentsAttachment Disclaimer
Confidential Teaser - Twin Cities Title Agency - 2026-09-11.pdf
Business Location
Listing ID: 2552554 The information on this listing has been provided by either the seller or a business broker representing the seller. BizQuest has no interest or stake in the sale of this business and has not verified any of the information and assumes no responsibility for its accuracy, veracity, or completeness. See our full Terms of Use. Learn how to avoid scams.
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