Deli, Laundromat and Smoke Shop With Their Real Estate, Inland Northwest, Seller Carrying at 2.5%

The part that makes this rare

Two and a half percent seller paper, on three businesses and the ground under them.

The seller is carrying most of the purchase price at a fixed two and a half percent, on a long amortization that keeps the monthly note payment small, with the balloon eight years out. That is cheaper paper than a lender writes on a small retail business, and it leaves most of the price working for the buyer rather than sitting in a down payment.

The real estate comes with the businesses. The deli, the laundromat and the smoke shop each operate from property included in the sale, spread across several commercially zoned parcels on the same commercial street, so there is no landlord between the buyer and the cash flow. The structure is modelled to put cash in the buyer's pocket at closing, subject to the senior financing the buyer arranges.

Three different customers, one street

A deli and grocery sells every day of the week, a laundromat serves the neighbourhood's renters, and a drive through smoke shop serves commuters. They do not depend on the same customer or the same season, and they sit close enough together to be managed as one operation.

The deli and the smoke shop hold beer and wine and tobacco permits, and the deli carries supplier programs with both major soft drink bottlers.

At a glance

What we can show you before you sign.

Industry	Deli and grocery, laundromat and smoke shopThree separately operated businesses sold together
Location	Inland NorthwestExact town and addresses disclosed after NDA
Purchase price	$5,050,000
What is included	Three businesses and their real estateFurniture, fixtures and equipment including commercial kitchen equipment, walk in coolers and laundromat machines, inventory, permits, contracts and goodwill, plus the real estate
Cash to seller at closing
Seller financing	Fixed 2.5%, eight year balloon, second position behind the senior loan
Monthly seller payment
Senior financing	To be arranged by the buyerThe seller note is subordinate to the buyer's first position loan
Deli revenue, per filed return	Most recent filed year
Point of sale sales, 2025	Full year summary in the package
Real estate	Several commercial parcelsCounty assessor records in the package. No appraisal has been completed yet
Inventory and equipment	Seller reported, across all three businesses
Operating history	More than forty yearsFamily owned and operated
Owners' role	Family members manage each locationOwners stay on through a transition period
Licences	Beer and wine, tobacco and business licencesBuyer is responsible for transferring or obtaining licences and permits
Earnest money	Refundable through closing
Commissions	Paid by the seller

The business

Everyday trade, run by one family for decades.

The deli and grocery is the anchor: prepared food, groceries, cold drinks and everyday essentials for a neighbourhood near a major local employer, with commercial kitchen equipment and walk in coolers already in place. The laundromat has been modernised, and the drive through smoke shop serves customers who never leave their cars.

A family member manages each location today. The owners have agreed to stay on through a transition, and the businesses have run long enough in the same place to carry real customer relationships with them.

Formal profit and loss statements have not been prepared for these businesses. The package includes bank statements for every business account, a full year of point of sale data, three years of filed returns for the deli, utility, insurance and licence records, and the county property records. As with any acquisition, buyers should complete their own due diligence.

Where the upside is

Most of the upside is in running three businesses as one.

The structure does the heavy lifting on day one. The operating levers are the ordinary ones, and none has been pushed by a family preparing to sell.

Own the groundThe businesses operate from real estate included in the sale, so there is no rent to negotiate and no landlord to renew with, and the property is an asset in its own right.
Cross sell along one streetLaundromat customers wait nearby and deli customers pass the smoke shop. Shared promotions, loyalty and hours are simple when one owner runs all three.
Expand the offeringThe seller has pointed to fuel services and a wider range of products as possible additions on a site that already draws daily traffic.
Professionalise the reportingMoving all three businesses onto consistent bookkeeping and point of sale systems gives a new owner clear numbers to manage by and to take to a lender.

Senior financing is still to be arranged and the lender will set its own requirements, including an appraisal of the real estate. We recommend building your own model from the bank statements and the returns.

Who this fits

Who this fits.

An owner operator with retail experience. Someone who has run a convenience store, deli or small grocery and can manage three nearby sites with family members or a manager already in place.

Buyers who want cheap, long paper. Two and a half percent seller financing on most of the price, with the balloon eight years out.

Buyers who want the real estate. The property comes with the businesses, which suits a buyer who values owning the ground as well as the cash flow.

Hands on diligence. This suits a buyer comfortable building the numbers from bank statements and point of sale data rather than a prepared financial package.

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