SBA Lender Pre-Qualified Farmers Agency — $579K Revenue/$276K SDE

Rare opportunity to acquire a top-performing Farmers Insurance agency in one of Sacramento's most desirable areas. This long-established agency, originally founded in the early 1990s and acquired by the current owner in 2013, has delivered three consecutive years of accelerating revenue growth, culminating in 20% year-over-year growth in 2025.



The agency manages over $4.3 million in total written premium across 1,919 policies spanning Auto, Homeowners, Life, Commercial, and specialty lines. Revenue reached $578,673 in 2025, with CPA-verified Seller's Discretionary Earnings of $275,555, representing a 47.6% SDE margin.



This is not a typical captive agency. In addition to the core Farmers book, the agency operates a diversified independent brokerage platform generating approximately $100,000 in additional annual commissions across 150+ policies. This hybrid model provides meaningful revenue diversification and an established platform for continued growth.



The agency benefits from established referral relationships and a strong local reputation, driving high-quality inbound opportunities.



Retention is strong, with 100% Fire/Homeowners retention and 93% Life retention. Q1 2026 year-to-date retention was 96.87%, demonstrating continued momentum. The book added 85 new policies and a net increase of 23 policies in force through March 2026.



The agency comes staffed with four employees, including three licensed team members and one support/marketing role. Established systems and operating infrastructure are in place, providing a turnkey platform for an approved buyer.



The seller is approaching retirement and is committed to a comprehensive three-month post-close transition and training period to support continuity of client relationships, staff retention, and a successful ownership transition.



The business has received preliminary SBA lender prequalification at the full $1,350,000 asking