How a Hardware Store Sold at 55x EBITDA with Owner Financing

In episode 114 of The Buyer & Seller Podcast, Lucas and Luna break down the surprising sale of a small-town hardware store that achieved a 55x EBITDA multiple. The secret wasn't recurring revenue or a tech platform—it was a creative owner-financing structure that let the buyer pay from store cash flow. Lucas explains the four-part deal: a small bank loan, seller note, earn-out tied to inventory turnover, and a percentage of future profits. They discuss why owner financing is undervalued in small business exits, how it can bridge valuation gaps, and why this store's 80-year customer relationships mattered more than growth. Luna brings data on seller-financed deals closing 40% faster on average. A must for any business owner considering an exit without a private equity buyer. #HardwareStoreSale #OwnerFinancing #SmallBusinessExit #55xEBITDA #SellerNote #EarnOut #BusinessBrokerage #MainStreetDeals #PrivateSale #CashFlowDeal #InventoryTurnover #CustomerLoyalty #BusinessValuation #FexingoBusiness #BuyerAndSellerPodcast #ExitPlanning #FamilyBusiness #DealStructure Keep every episode free: buymeacoffee.com/fexingo