Profitable Payday Loan Business w/ Established Customer Base for Sale
Business Description
Established payday lending business operating successfully in Slidell, Louisiana since 2012. This profitable financial services operation generates ~$200,000 in annual revenue with strong cash flow of ~$100,000, representing a healthy 50% margin.
Business Overview:
This turnkey operation serves an established and loyal customer base built over 12+ years of consistent service. The business operates as an absentee-owner model, demonstrating strong operational systems and management structure. Located in Saint Tammany County, the business benefits from a stable local market with proven demand for short-term lending services.
Financial Performance:
- Annual Revenue: $202,600
- Cash Flow (SDE): $98,200
- Established since 2012 with consistent revenue history
- Profitable operations with strong margins
Growth Opportunities:
- Loan fees have not been increased to reflect 2025 law changes, providing immediate revenue enhancement potential
- Currently limited to payday loans only - significant expansion opportunity through additional services including title lending, lines of credit, and other financial products
- Established customer base provides foundation for cross-selling additional services
Operational Details:
- Leased location at $1,400/month with lease extending through June 30, 2026.
- Absentee owner operation demonstrates systematic processes
- Loyal, repeat customer base ensures consistent cash flow
This represents an excellent opportunity for an investor seeking immediate cash flow in the financial services sector. The combination of established operations, growth potential through service expansion, and upcoming regulatory fee adjustments positions this business for enhanced profitability under new ownership.
Owner is seeking to focus on businesses closer to their location, creating this opportunity for qualified buyers.
Business Overview:
This turnkey operation serves an established and loyal customer base built over 12+ years of consistent service. The business operates as an absentee-owner model, demonstrating strong operational systems and management structure. Located in Saint Tammany County, the business benefits from a stable local market with proven demand for short-term lending services.
Financial Performance:
- Annual Revenue: $202,600
- Cash Flow (SDE): $98,200
- Established since 2012 with consistent revenue history
- Profitable operations with strong margins
Growth Opportunities:
- Loan fees have not been increased to reflect 2025 law changes, providing immediate revenue enhancement potential
- Currently limited to payday loans only - significant expansion opportunity through additional services including title lending, lines of credit, and other financial products
- Established customer base provides foundation for cross-selling additional services
Operational Details:
- Leased location at $1,400/month with lease extending through June 30, 2026.
- Absentee owner operation demonstrates systematic processes
- Loyal, repeat customer base ensures consistent cash flow
This represents an excellent opportunity for an investor seeking immediate cash flow in the financial services sector. The combination of established operations, growth potential through service expansion, and upcoming regulatory fee adjustments positions this business for enhanced profitability under new ownership.
Owner is seeking to focus on businesses closer to their location, creating this opportunity for qualified buyers.
About the Business
- Years in Operation
- 14
- Employees
- 2 (1 Full-time, 1 Part-time)
- Opportunities for Growth
- Current payday advance fees are below market. Opportunity to ass title loans, installment loans, etc.
Real Estate
- Owned or Leased
- Leased
- Rent
- $1,400.00 per month
- Lease Expiration
- 6/30/2026
About the Sale
- Seller Motivation
- Out of state owner looking to focus on businesses closer to
- Transition Support
- Business owner to provide up to 30 days training support and assistance with obtaining required licensing.
Listing Info
- ID
- 2456651
- Listing Views
- 5
Listing ID: 2456651 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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