Bakery for sale, Melbourne VIC

Photos: LINK Business Brokers

About the business

A cafe and cake shop in Melbourne, Victoria. It has traded for 18 years. It is on a very busy Main Road just 21km South-East of the Melbourne CBD, in a shopping strip of 11 shops, with seating for 20. It has a secure 20-year lease. The broker reports huge potential to increase turnover via platform sales and targeted marketing.

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%$89,400 of the $298,000. 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 $298,000 is paid

Your cash $89,400
Loan $208,600

What borrowing costs

$264,289 repaid in all

Borrowed $208,600
Interest $55,689

AU-20111Estimate

Asking price$298,000

Paid by

Your cash$89,400

Secured loan, 7 years at 6.98%$208,600

Each month

Loan repayment$3,150

Repayments each month

$3,150

Over 7 years you repay $264,289, of which $55,689 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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