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Payment Terminal Provider With A Freehold Base In Inverness
Inverness, Highland, ScotlandIdentity protected
Available
About this business
This Inverness business rents and sells card terminals to local retailers, pubs and visitor attractions, and earns a monthly fee and a share of processing on each account. Its team of five works from a small freehold unit on the edge of the city, which is included in the sale. Since starting in 2023, turnover has held steady at around £670k while adjusted EBITDA has crept up to £141k. Net profit was £109k. A buyer gets a stable base of local merchants, the property and room to grow by adding new accounts across the Highlands.
Key investment highlights
- Freehold unit included in the sale
- Steady turnover of about £670k
- Monthly fees from terminal rentals
- Asking price £700k
Reason for sale
The owners are relocating to the south of England and want a local buyer to take over.
Nothing flagged on the two questions buyers ask first
No flagRevenue going backwards and one client being too much of it are the two things that end most deals in due diligence. Both are shown here up front, from the figures the seller supplied.
- Revenue directionNo flag
Turnover is flat year on year.
- 2023: baseline
- 2024 (+0.3%)
- 2025 (-2.8%)
- 2026 (+0.8%)
- Peak 2024 to latest 2026: -2.0%
4 years of turnover, 2023 to 2026, as supplied by the seller.
- Client concentrationNot stated
The seller has not declared what share of revenue the largest clients represent.
No declaration supplied. Client concentration cannot be derived from accounts.
EBITDA margin widened from 19.9% in 2023 to 21.0% in 2026.
These are observations from the supplied figures, not a view on whether this business is worth buying. Nothing here predicts an outcome.
Computing valuation...
What happens next
Submit an enquiry to the seller. Once they approve it, you sign a non-disclosure agreement and gain access to the information memorandum, the financials and a secure deal room with the seller.