SBA Lender Pre-Qualified Farmers Agency, $579K Revenue/$276K SDE
Farmers Insurance agency with independent brokerage in Sacramento County, CA
On NextCompany since August 30, 2026 (45 days)
CA areaEstablished 19944 FT employees
Business overview
This Farmers Insurance agency writes Auto, Homeowners, Life, Commercial, and specialty policies in Sacramento County, CA. The book carries $4.3 million in written premium across 1,919 policies. An independent brokerage adds about $100,000 in commissions across 150+ policies.
Revenue reached $578,673 in 2025. A CPA verified seller's discretionary earnings of $275,555. The seller priced the agency at $1,350,000. Four employees run the leased office, three of them licensed. The retiring seller trains the buyer for three months after closing.
Who is a good fit for this business
- Existing Farmers agency owners who want to expand inside the applicable Farmers district.
- Buyers who can meet Farmers licensing, geography, district, location, and agency approval rules.
- Buyers who can pursue SBA 7(a) financing against the $1,350,000 asking price.
- Owner-operators who will run a staffed Sacramento County insurance agency after a three-month training period.
Details
- Reason for selling
- Retirement
- Real estate
- Leased
- Monthly rent
- $2,300
Frequently Asked Questions
This Farmers Insurance agency writes Auto, Homeowners, Life, Commercial, and specialty policies. The book holds $4.3 million in written premium across 1,919 policies. An independent brokerage adds about $100,000 in annual commissions across 150+ policies. The agency pairs its Farmers book with that independent brokerage.
The seller priced the agency at $1,350,000. Revenue reached $578,673 in 2025. A CPA verified seller's discretionary earnings of $275,555. That SDE represents a 47.6% margin on 2025 revenue. Furniture, fixtures, and equipment add $10,000.
The agency manages $4.3 million in written premium across 1,919 policies in Sacramento County. Fire and Homeowners retention stands at 100%. Life retention stands at 93%. Q1 2026 year-to-date retention reached 96.87%. The book added 85 new policies through March 2026.
Four full-time employees currently staff the leased office in Sacramento County, CA. Three licensed team members serve on the staff. One person fills the support and marketing role. The business pays $2,300 in monthly rent on the lease. Furniture, fixtures, and equipment total $10,000.
The owner is selling because of retirement. The seller trains the buyer for three months after closing. That period covers client relationships and staff continuity. The current owner acquired the agency in 2013. The shop opened in 1994.