Data: owner earnings by business type

What 156 kinds of small business typically make.

For every business model on smbnest: the typical annual revenue of one location or one operator, the share of it the owner keeps, what that is in dollars, and what the business resells for. Built from public industry sources, reviewed through October 2026, and free to cite with a link.

21%Median owner-earnings (SDE) margin across all 156 models, before the owner’s pay, debt and taxes
$300k to $1.8MTypical revenue band of the median model, one location or operator
27Models whose typical owner-earnings band starts above $100k (a band, not a result)
68Of 156 profiles with cited sources; the rest are estimated and flagged

Typical bands, not forecasts. Owner earnings (SDE) is before the owner’s own pay, loan payments and taxes. 88 of 156 profiles are estimated and flagged; the rest are smbnest’s synthesis of the sources listed on each model page, not figures copied from them. smbnest is a self-assessment tool, not individualized advice.

How to read the numbers

Owner earnings is seller’s discretionary earnings (SDE): profit before the owner’s own pay, interest, taxes, depreciation and one-off items. It is the number a business is priced on when it sells, and the number a first-time buyer should care about most, because it is what is left to pay you, pay a manager if you will not work the hours, and pay the loan.

Typical revenue is the band most single locations or single operators fall in. Owner earnings in dollars multiplies the low end of revenue by the low end of margin, and the high by the high, so the band is wide on purpose: a laundromat doing $100k at a 30% margin and one doing $500k at 45% are both real. Use the bands to rule a business in or out, then put your own numbers in the free tools.

Highest owner margins

The share of revenue the owner keeps, midpoint of the typical band.

  1. Notary Business65% to 85%
  2. Self-Storage Facility55% to 78%
  3. Food Delivery Driving55% to 70%
  4. Mobile Home Park55% to 65%
  5. Real Estate Investing (Rentals)54% to 62%
  6. Rideshare Driving45% to 65%
  7. Dog Walking & Pet Sitting30% to 50%
  8. Campground / RV Park Business30% to 45%
  9. Car-Sharing Business30% to 45%
  10. Laundromat30% to 45%

Thinnest margins

Businesses that need volume, discipline, or both to pay an owner at all.

  1. Ghost Kitchen3% to 10%
  2. Convenience Store3% to 10%
  3. Real Estate Brokerage5% to 10%
  4. Commercial Real Estate Brokerage7% to 9%
  5. Bookstore7% to 12%
  6. Used Car Dealership5% to 15%
  7. House Flipping7% to 13%
  8. Amazon Delivery Route (DSP)8% to 14%
  9. Staffing Agency8% to 15%
  10. Roofing Company8% to 15%

Highest earnings floor

Owner earnings at the low end of typical revenue and margin: the models whose typical band starts above $100k. A band, not a promise; many operators in any model earn less.

  1. Self-Storage Facility$220k+
  2. Hardware Store$195k+
  3. Mobile Home Park$165k+
  4. Greenhouse & Nursery Business$160k+
  5. Metal Fabrication Business$156k+
  6. Preschool$154k+
  7. Med Spa$150k+
  8. Warehousing & Fulfillment$150k+
  9. Winery & Vineyard$150k+
  10. Dental Practice$140k+

By category

Median of the models in each category. Sorted by owner margin.

CategoryModelsMedian owner marginMedian typical revenue
Personal & Consumer Services831%$338k
Financial & Insurance528%$2.6M
Hospitality & Lodging527%$1.6M
Real Estate & Property1124%$1.1M
Childcare & Education724%$675k
Professional Services1222%$2.7M
Health & Wellness1222%$1.1M
Technology & Software622%$4M
Agriculture522%$1.8M
Manufacturing & Wholesale722%$1.4M
Logistics & Transportation1121%$1.6M
Home & Trade Services1920%$750k
Beauty & Personal Care520%$370k
Automotive1020%$1M
Food & Beverage1318%$550k
Retail & E-commerce1216%$600k
Construction816%$2.4M

The full index: 156 business models

Click a column to sort. Every business links to its model page, which lists its sources or labels its figures as estimates. Owner earnings band example: Accounting Firm, $400k to $5M revenue at 10% to 35% is $40k to $1.8M to the owner.

156 of 156 models
Resale multiple
Accounting FirmProfessional Services$400k to $5M10% to 35%$40k to $1.8Mestimated0.9-1.3x revenue
Agritourism FarmAgriculture$300k to $3M15% to 28%$45k to $840kestimated2-4x SDE
Amazon Delivery Route (DSP)Logistics & Transportation$1.5M to $6.5M8% to 14%$120k to $910kestimated2-3.5x SDE
Apparel ManufacturingManufacturing & Wholesale$340k to $1.8M13% to 24%$44k to $432kestimated1.7-3.2x SDE
Appliance Repair ServiceHome & Trade Services$300k to $900k10% to 18%$30k to $162kestimated2-3.75x SDE
Appraisal BusinessReal Estate & Property$150k to $1.5M18% to 30%$27k to $450kestimated2-3.5x SDE
Architecture & Engineering FirmProfessional Services$500k to $8M10% to 35%$50k to $2.8Mestimated0.5-1.0x revenue
ATM BusinessFinancial & Insurance$50k to $400k26% to 34%$13k to $136kestimated1.5-3.5x SDE
Auto Body ShopAutomotive$1.5M to $6M8% to 16%$120k to $960kestimated2-3x SDE
Auto Glass RepairAutomotive$400k to $1.5M8% to 22%$32k to $330kestimated2-3x SDE
Auto Repair ShopAutomotive$500k to $1.3M18% to 26%$90k to $338ksourced2-3x SDE
BakeryFood & Beverage$300k to $950k15% to 22%$45k to $209ksourced1.6-2.8x SDE
Bar / PubFood & Beverage$450k to $1.3M14% to 20%$63k to $260ksourced1.6-3.2x SDE
BarbershopBeauty & Personal Care$180k to $560k20% to 28%$36k to $157ksourced1.3-2.3x SDE
Bed & BreakfastHospitality & Lodging$150k to $600k30% to 42%$45k to $252ksourced6.3x SDE, real estate included
Bookkeeping BusinessProfessional Services$100k to $1M15% to 28%$15k to $280kestimated0.8-1.5x revenue
BookstoreRetail & E-commerce$250k to $1.5M7% to 12%$18k to $180ksourced1.5-3x SDE
Box-Truck BusinessLogistics & Transportation$300k to $2M12% to 20%$36k to $400kestimated2-4x SDE
Brewery / TaproomFood & Beverage$400k to $1.8M10% to 19%$40k to $333ksourced2-4.3x SDE
Campground / RV Park BusinessHospitality & Lodging$300k to $3M30% to 45%$90k to $1.4Msourced11-12.5x NOI (8-9% cap rates)
Car WashAutomotive$240k to $1.2M29% to 40%$70k to $480ksourced3-7x SDE
Car-Sharing BusinessAutomotive$150k to $2M30% to 45%$45k to $900ksourced1-3x SDE or asset value
Carpet Cleaning CompanyHome & Trade Services$100k to $1M25% to 45%$25k to $450ksourced1.5-2.7x SDE
Catering BusinessFood & Beverage$150k to $1.6M17% to 23%$26k to $368ksourced~2x SDE
Chiropractic ClinicHealth & Wellness$300k to $1.5M18% to 30%$54k to $450ksourced1.5-3x SDE
Clothing BoutiqueRetail & E-commerce$150k to $600k18% to 24%$27k to $144ksourced1.5-2.8x SDE
Coffee ShopFood & Beverage$250k to $700k10% to 20%$25k to $140ksourced2-3.5x SDE
Commercial Cleaning CompanyHome & Trade Services$150k to $2M10% to 25%$15k to $500ksourced1.5-2.7x SDE
Commercial Real Estate BrokerageReal Estate & Property$500k to $5M7% to 9%$35k to $450ksourced2-4x SDE
Concrete & MasonryConstruction$500k to $3M10% to 22%$50k to $660ksourced1.7-3x SDE
Consulting FirmProfessional Services$500k to $5M10% to 35%$50k to $1.8Mestimated2-3.5x SDE
Convenience StoreRetail & E-commerce$500k to $2M3% to 10%$15k to $200kestimated1.3-2.8x SDE
Courier ServiceLogistics & Transportation$300k to $3M8% to 20%$24k to $600kestimated2-4x SDE
Crop FarmAgriculture$200k to $3M8% to 18%$16k to $540kestimatedLand value + operation
Cybersecurity FirmTechnology & Software$500k to $5M15% to 35%$75k to $1.8Mestimated4-8x SDE
Dance StudioChildcare & Education$150k to $600k15% to 30%$23k to $180kestimated1.3-2.5x SDE
Day SpaBeauty & Personal Care$500k to $1.4M15% to 25%$75k to $350ksourced1.4-2.8x SDE
Daycare CenterChildcare & Education$400k to $1.8M20% to 27%$80k to $486kestimated2-4x SDE
Deli / Sandwich ShopFood & Beverage$200k to $550k15% to 20%$30k to $110ksourced1.3-2.5x SDE
Demolition ContractorConstruction$1M to $5M12% to 22%$120k to $1.1Mestimated2-3x SDE
Dental PracticeHealth & Wellness$700k to $2M20% to 44%$140k to $880kestimated60-85% of collections · 4-7x EBITDA
Dog Walking & Pet SittingPersonal & Consumer Services$25k to $250k30% to 50%$8k to $125kestimated1.5-3x SDE
Dry-Cleaning BusinessPersonal & Consumer Services$300k to $700k20% to 30%$60k to $210kestimated1.4-2.6x SDE
E-commerce StoreRetail & E-commerce$100k to $1M18% to 27%$18k to $270ksourced2.6-4x SDE
Electrical ContractorHome & Trade Services$400k to $1.1M12% to 20%$48k to $220ksourced2-3.2x SDE
Event VenueHospitality & Lodging$300k to $3M12% to 25%$36k to $750kestimated2-4x SDE
Event-Planning ServicePersonal & Consumer Services$80k to $500k12% to 30%$10k to $150kestimated1-3x SDE
Excavation ContractorConstruction$1M to $5M10% to 22%$100k to $1.1Msourced2-3x SDE
Fencing ContractorConstruction$400k to $1.5M12% to 20%$48k to $300ksourced2-3x SDE
Financial Planning FirmFinancial & Insurance$500k to $5M20% to 35%$100k to $1.8Msourced2-3x recurring revenue
Flooring InstallationConstruction$400k to $1.5M10% to 15%$40k to $225kestimated1.8-3.1x SDE
Florist BusinessRetail & E-commerce$200k to $600k19% to 25%$38k to $150ksourced1.4-2.5x SDE
Food Delivery DrivingLogistics & Transportation$18k to $45k55% to 70%$10k to $32kestimatedNo resale value
Food Manufacturing BusinessManufacturing & Wholesale$315k to $1.6M19% to 28%$60k to $443kestimated1.8-3.4x SDE
Food TruckFood & Beverage$150k to $500k21% to 30%$32k to $150ksourced1.0-2.3x SDE
Freight BrokerageLogistics & Transportation$400k to $8M20% to 35%$80k to $2.8Mestimated3-5x SDE
Funeral HomePersonal & Consumer Services$500k to $2M25% to 35%$125k to $700kestimated3-5x SDE
Furniture-Making BusinessManufacturing & Wholesale$500k to $5M11% to 26%$55k to $1.3Mestimated1.7-3.2x SDE
Garage Door ServiceHome & Trade Services$400k to $1.2M12% to 20%$48k to $240kestimated2-4x SDE
General ContractorConstruction$1M to $10M10% to 20%$100k to $2Mestimated1.8-3.1x SDE
Ghost KitchenFood & Beverage$150k to $600k3% to 10%$5k to $60ksourced1-2x SDE
Graphic Design StudioProfessional Services$200k to $2M15% to 30%$30k to $600kestimated2-4x SDE
Greenhouse & Nursery BusinessAgriculture$1M to $10M16% to 22%$160k to $2.2Mestimated1.9-4x SDE
Grocery StoreRetail & E-commerce$720k to $3M12% to 17%$84k to $522ksourced1.6-3.2x SDE
GymHealth & Wellness$300k to $2M15% to 30%$45k to $600ksourced1.7-3x SDE
Gym / Fitness StudioHealth & Wellness$300k to $2M25% to 32%$75k to $640kestimated1.7-3x SDE
Hair SalonBeauty & Personal Care$360k to $700k20% to 28%$72k to $196ksourced1.3-2.3x SDE
Handyman BusinessHome & Trade Services$150k to $500k10% to 18%$15k to $90kestimated2.5-3.5x SDE
Hardware StoreRetail & E-commerce$1.5M to $3M13% to 22%$195k to $660ksourced2-3.9x SDE
Home Cleaning BusinessHome & Trade Services$150k to $1M20% to 35%$30k to $350ksourced1.5-2.7x SDE
Home Health AgencyHealth & Wellness$750k to $3M8% to 18%$60k to $540kestimated2.2-3.6x SDE
Home Inspection BusinessReal Estate & Property$120k to $600k18% to 30%$22k to $180kestimated1.5-3x SDE
Home RemodelingConstruction$750k to $2M10% to 22%$75k to $440kestimated1.8-3.1x SDE
Hotel / Motel BusinessHospitality & Lodging$500k to $5M22% to 32%$110k to $1.6Msourced2.7-6.5x SDE (median about 5.2x)
House FlippingReal Estate & Property$400k to $3M7% to 13%$28k to $390ksourcedPer deal
HVAC BusinessHome & Trade Services$500k to $5M8% to 18%$40k to $900kestimated2-4x SDE
Ice Cream / Dessert ShopFood & Beverage$150k to $500k18% to 24%$27k to $120kestimated1.6-2.8x SDE
Insurance AgencyFinancial & Insurance$250k to $5M20% to 35%$50k to $1.8Mestimated2-3x commissions
IT ConsultingTechnology & Software$500k to $5M15% to 25%$75k to $1.3Msourced3-6x SDE
IV Hydration & Wellness ClinicHealth & Wellness$250k to $750k15% to 30%$38k to $225kestimated1.5-2.5x SDE
Juice / Smoothie BarFood & Beverage$200k to $550k16% to 22%$32k to $121ksourced1.3-2.5x SDE
Junk RemovalHome & Trade Services$300k to $1.5M15% to 25%$45k to $375ksourced2-4x SDE (asking)
LaundromatPersonal & Consumer Services$100k to $500k30% to 45%$30k to $225ksourced2-4x SDE
Law FirmProfessional Services$500k to $5M20% to 35%$100k to $1.8Mestimated0.5-2x revenue / 1-3x SDE
Lawn Care & LandscapingHome & Trade Services$300k to $1M15% to 25%$45k to $250kestimated1.7-3.0x SDE
Liquor StoreRetail & E-commerce$500k to $2M13% to 18%$65k to $360kestimated2.2-4x SDE
Livestock Ranch (Cattle)Agriculture$500k to $3M25% to 45%$125k to $1.4MsourcedLand + herd value
Locksmith ServiceHome & Trade Services$150k to $500k15% to 25%$23k to $125kestimated~2x SDE
Machine ShopManufacturing & Wholesale$625k to $2.2M17% to 30%$106k to $653kestimated2.3-4.2x SDE
Managed IT Services (MSP)Technology & Software$500k to $10M18% to 30%$90k to $3Msourced2.2-3.9x SDE sold; asking up to ~6x
Marketing AgencyProfessional Services$500k to $5M15% to 30%$75k to $1.5Msourced1-3x SDE
Martial Arts SchoolChildcare & Education$150k to $900k20% to 35%$30k to $315kestimated1.3-2.5x SDE
Massage Therapy BusinessHealth & Wellness$150k to $600k18% to 28%$27k to $168ksourced1.5-3x SDE
Med SpaHealth & Wellness$1M to $3M15% to 25%$150k to $750kestimated2-4x SDE
Medical Staffing AgencyProfessional Services$800k to $5M8% to 15%$64k to $750ksourced2-3x SDE
Medical Transport (NEMT)Logistics & Transportation$300k to $3M15% to 25%$45k to $750kestimated2-3x SDE
Metal Fabrication BusinessManufacturing & Wholesale$867k to $3.2M18% to 28%$156k to $888kestimated2.3-3.7x SDE
Mobile DetailingAutomotive$80k to $500k20% to 35%$16k to $175kestimated2-4x SDE
Mobile Home ParkReal Estate & Property$300k to $1.5M55% to 65%$165k to $975ksourcedNOI / cap rate
Mortgage BrokerageFinancial & Insurance$500k to $5M22% to 34%$110k to $1.7Mestimated2-4x SDE
Moving CompanyLogistics & Transportation$300k to $3M15% to 25%$45k to $750kestimated2-3x SDE
Music SchoolChildcare & Education$150k to $800k15% to 30%$23k to $240kestimated1.6-3x SDE
Nail SalonBeauty & Personal Care$190k to $500k12% to 20%$23k to $100ksourced1.1-2x SDE
Notary BusinessProfessional Services$30k to $120k65% to 85%$20k to $102kestimated1-2.5x SDE
Oil Change ShopAutomotive$400k to $1.8M12% to 22%$48k to $396kestimated2-3x SDE
Painting BusinessHome & Trade Services$500k to $2M15% to 25%$75k to $500ksourced1.8-3.1x SDE
Personal Training StudioHealth & Wellness$150k to $700k23% to 32%$35k to $224kestimated1.3-2.5x SDE
Pest ControlHome & Trade Services$300k to $1.3M20% to 35%$60k to $455ksourced1.7-3x SDE
Pet Boarding & DaycarePersonal & Consumer Services$400k to $2M28% to 34%$112k to $680kestimated2-3.7x SDE
Pet Grooming BusinessPersonal & Consumer Services$150k to $600k24% to 34%$36k to $204kestimated1.4-2.5x SDE
Pet StoreRetail & E-commerce$300k to $1M11% to 18%$33k to $180kestimated2-3x SDE
Photography BusinessProfessional Services$80k to $500k8% to 18%$6k to $90kestimated1-3x SDE
Physical Therapy ClinicHealth & Wellness$400k to $2M12% to 22%$48k to $440kestimated2-4x SDE
PizzeriaFood & Beverage$300k to $800k14% to 20%$42k to $160ksourced1.5-2.5x SDE
Plumbing CompanyHome & Trade Services$500k to $1.5M12% to 20%$60k to $300kestimated1.7-3.2x SDE
Pool ServiceHome & Trade Services$280k to $1M15% to 25%$42k to $250kestimated6-12x monthly service revenue
PreschoolChildcare & Education$700k to $1.2M22% to 30%$154k to $360kestimated2-3.5x SDE
Pressure Washing CompanyHome & Trade Services$80k to $1M25% to 40%$20k to $400kestimated1.5-2.7x SDE
Printing BusinessManufacturing & Wholesale$432k to $1.8M13% to 30%$56k to $540kestimated2-3x SDE
Property-Management BusinessReal Estate & Property$300k to $2M15% to 22%$45k to $440ksourced2-3.2x SDE
Quick-Service RestaurantFood & Beverage$700k to $2M14% to 22%$98k to $440ksourced2-3.5x SDE
Real Estate BrokerageReal Estate & Property$1M to $15M5% to 10%$50k to $1.5Mestimated3-4x EBITDA
Real Estate Investing (Rentals)Real Estate & Property$200k to $5M54% to 62%$108k to $3.1MsourcedNOI ÷ cap rate
RestaurantFood & Beverage$500k to $1.5M14% to 20%$70k to $300ksourced1.5-2.5x SDE
Rideshare DrivingLogistics & Transportation$25k to $65k45% to 65%$11k to $42kestimatedNo resale value
Roofing CompanyHome & Trade Services$1M to $3M8% to 15%$80k to $450kestimated1.8-3.1x SDE
SaaS StartupTechnology & Software$1M to $10M10% to 20%$100k to $2Msourced3-6x ARR or 4-8x SDE
Self-Storage FacilityReal Estate & Property$400k to $700k55% to 78%$220k to $546ksourced5-8% cap rate (about 12-20x NOI)
Senior Home Care AgencyHealth & Wellness$400k to $2.5M12% to 24%$48k to $600ksourced2.2-3.6x SDE
Short-Term Rental BusinessReal Estate & Property$50k to $500k22% to 30%$11k to $150ksourced2-4x SDE
Smoke / Vape ShopRetail & E-commerce$200k to $700k16% to 26%$32k to $182kestimated1.2-2.4x SDE
Software Development AgencyTechnology & Software$500k to $10M15% to 30%$75k to $3Msourced3-6x SDE
Solar InstallationConstruction$1M to $5M10% to 22%$100k to $1.1Msourced1.8-3.1x SDE
Staffing AgencyProfessional Services$1M to $10M8% to 15%$80k to $1.5Msourced3-6x SDE
Tailoring & AlterationsPersonal & Consumer Services$80k to $300k30% to 39%$24k to $117ksourced1.5-3x SDE
Tattoo StudioBeauty & Personal Care$60k to $500k10% to 25%$6k to $125kestimated1.3-2.3x SDE
Tax Preparation ServiceFinancial & Insurance$150k to $2M25% to 40%$38k to $800ksourced1-3x SDE
Thrift / Consignment StoreRetail & E-commerce$120k to $500k10% to 20%$12k to $100kestimated1.6-3.1x SDE
Tire ShopAutomotive$800k to $3.5M8% to 18%$64k to $630kestimated2-3x SDE
Title & EscrowReal Estate & Property$750k to $5M18% to 30%$135k to $1.5Msourced2-4x SDE
Tow Truck BusinessLogistics & Transportation$300k to $3M19% to 36%$57k to $1.1Msourced2-3.9x SDE
Travel AgencyHospitality & Lodging$45k to $300k15% to 30%$7k to $90kestimated2-4x SDE
Tree Service CompanyHome & Trade Services$400k to $1.2M10% to 18%$40k to $216ksourced2-4x SDE
Trucking CompanyLogistics & Transportation$150k to $3M18% to 23%$27k to $690ksourced2.3-3.6x SDE
Tutoring ServiceChildcare & Education$150k to $1.2M20% to 35%$30k to $420kestimated1.5-3x SDE
Used Car DealershipAutomotive$800k to $8M5% to 15%$40k to $1.2Mestimated2-3x SDE
Vending Machine RouteRetail & E-commerce$40k to $250k15% to 30%$6k to $75kestimated1.8-2.6x SDE
Virtual Assistant BusinessProfessional Services$150k to $2M15% to 30%$23k to $600kestimated2-4x SDE
Vocational SchoolChildcare & Education$500k to $5M12% to 25%$60k to $1.3Mestimated1.6-3x SDE
Warehousing & FulfillmentLogistics & Transportation$1M to $10M15% to 27%$150k to $2.7Mestimated2.6-4.2x SDE
Web Design AgencyTechnology & Software$150k to $2M15% to 30%$23k to $600kestimated2-4x SDE
Wholesale Distribution BusinessManufacturing & Wholesale$560k to $3M14% to 19%$78k to $576ksourced2-3.5x SDE
Window Cleaning CompanyHome & Trade Services$80k to $1M25% to 40%$20k to $400ksourced1.5-2.7x SDE
Window Tinting StudioAutomotive$100k to $800k20% to 30%$20k to $240kestimated2-3x SDE
Winery & VineyardAgriculture$1M to $5M15% to 28%$150k to $1.4MestimatedAsset + brand
Yoga StudioHealth & Wellness$250k to $1M15% to 28%$38k to $280kestimated1.3-2.5x SDE

Method, sources and limits

Each model’s profile on smbnest is compiled from public sources: U.S. Census Bureau business statistics for the industry, Bureau of Labor Statistics wages, SBA lending data, and published marketplace and broker benchmarks (BizBuySell and others) for revenue, owner earnings and sale multiples. The model page lists its sources with a link where the source gives one. The bands are smbnest’s synthesis of those sources, not figures copied from any one of them, and the owner-earnings dollar figures are derived from the revenue and margin bands. 68 of the 156 profiles cite sources for their headline bands; 88 are estimated from adjacent industry data where no direct public benchmark exists, and are flagged “estimated” in the table, on the model page and in the CSV.

Bands are industry-typical, not guarantees. A specific business varies with its location, lease, equipment, and owner. Revenue bands describe one location or one operator; multi-unit operations run higher. Figures are reviewed as the sources update; the most recent review in this index is dated 2026-10-29.

Cite this data

You are welcome to reproduce any figure on this page with attribution and a link:

Source: smbnest, Small Business Owner Earnings Index (2026), https://smbnest.com/data/small-business-owner-earnings

The full dataset is available as CSV. Questions or a correction? hello@smbnest.com.

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