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Cafe for sale, Newcastle NSW

Photos: LINK Business Brokers

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About the business

A cafe store in Newcastle, Lake Macquarie, New South Wales. A new 7 year lease has been negotiated. The broker reports the store is to remain in the same position for the next two years with no refurbishment required until then, and that there is an option to take a drive thru in the car park.

Financing calculator

An estimate, not a loan offer. Change the numbers to see what buying this business would take in cash and what the repayments would be each month.

Seller finance
Some sellers take part of the price over time. Shown at 8% over 3 years.
Loan term
Usually up to 7 years; longer when secured on property.
Loan
Secured on property: the RBA's average for small business new loans secured on residential property, August 2026

How the $99,000 is paid

  • Your cash $29,700
  • Loan $69,300

What borrowing costs

$87,801 repaid in all

  • Borrowed $69,300
  • Interest $18,501
AU-17192Estimate

Asking price$99,000

Paid by

Your cash$29,700

Secured loan, 7 years at 6.98%$69,300

Each month

Loan repayment$1,050

Repayments each month

$1,050

Over 7 years you repay $87,801, of which $18,501 is interest.

Secured on property: the RBA's average for small business new loans secured on residential property, August 2026. Lenders set their own rates and terms, and this leaves out stamp duty and fees. Source: Reserve Bank of Australia 2026.

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