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Semi-Absentee Credit Repair Company With Custom Software For Sale

Orlando, Florida, US
Asking Price:
$249,000
Sales Revenue:
$147,000
Cash Flow:
$127,000

Established Orlando-area credit repair firm founded February 2022. $1.77M collected lifetime across 5,700+ client subscriptions; peaked at $67k/month. The owner stepped back 18 months ago to focus on other ventures - today it runs on about 4 hours of owner time per week with zero ad spend, producing roughly $9.7k/month in revenue (65 active clients billed through Billsby plus ~$1.1k/month in credit-monitoring affiliate commissions) against roughly $1.7k/month in operating costs. Every revenue figure is verifiable in the billing system and reconciles with bank deposits.

The sale includes assets most firms this size never have: a 4.9-star Google Business Profile with 89 reviews producing daily inbound calls, ~10 organic client signups per month, a database of 50,000+ leads and 4,700+ former clients, and a custom-built software stack - multi-line power dialer with local presence, SMS and email drip automation, and an AI content engine. Dispute fulfillment runs on industry-standard software (Credit Repair Cloud + DisputeFox), so an existing operator can absorb it overnight, and a new owner-operator gets a complete, documented playbook.

At full throttle (2023-2024) the engine produced 200-300 signups per month on ~$10k/month ad spend plus a small sales team - the machine transfers completely; the fuel is what a buyer adds. Trailing-12-month seller's discretionary earnings approximately $127k. 30-day owner transition included. Confidential memo with verified financials available under NDA.

Property Information

Location:

Home-based / fully remote and relocatable. All operations run on cloud software (billing, dispute processing, dialer, SMS/email automation); no physical premises required. Client base is concentrated in Florida with clients nationwide.

Premises Details:

No premises. The business operates entirely remotely; a buyer can run it from anywhere in the US.

Business Operation

Expansion Potential:

Proven and documented: at full throttle (2023-2024) the same systems produced 200-300 new client signups per month on ~$10k/month of ad spend plus a small commissioned sales team, collecting up to $67k/month. Turning paid acquisition back on with the included dialer, drip sequences, and 50k-lead database is the direct path back toward peak. Additional upside: the affiliate income stream scales with client count, and the custom software could itself be licensed to other credit repair firms.

Competition / Market:

The credit repair market is fragmented among small local operators and a few national brands. This firm's moat is its reputation (89 Google reviews at 4.9 stars, daily inbound calls) and its proprietary acquisition software - a multi-line power dialer, SMS/email drip system, and AI content engine that most competitors rent inferior versions of.

Reasons for selling:

Owner's focus has shifted to other ventures. The business has been deliberately run at idle for 18 months and still produces; the owner would rather sell it to someone who will feed it than let it coast.

Employees:
0
Years established:
2022

Other Information

Support & training:

30-day owner-led transition included: full handover of billing, dispute workflow (Credit Repair Cloud + DisputeFox), Google Business Profile, phone numbers, software stack, and the complete growth playbook from the 300-signup/month era.