Bakery for sale, Newcastle NSW

Photos: LINK Business Brokers

About the business

A bakery and cafe in the Brisbane North-side beaches area. It has been established 26 + years, and the current owner has owned it for 2 years. It is open 7 days, Monday to Friday 5am to 4.30pm and Saturday and Sunday 5am to 2pm. It is currently run by 2 owners plus casuals. It is in a strip shopping centre, and the lease expires 30.04.2017 with an option to 2020. Stock is extra. The broker reports that financials are available to qualified buyers and that it suits a couple, family or sole trader with casuals.

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.

Your cash: 30%$37,500 of the $125,000. Lenders rarely fund the whole price.

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 $125,000 is paid

Your cash $37,500
Loan $87,500

What borrowing costs

$110,859 repaid in all

Borrowed $87,500
Interest $23,359

AU-17553Estimate

Asking price$125,000

Paid by

Your cash$37,500

Secured loan, 7 years at 6.98%$87,500

Each month

Loan repayment$1,320

Repayments each month

$1,320

Over 7 years you repay $110,859, of which $23,359 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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