Cafe for sale, Coffs Harbour NSW

Photos: LINK Business Brokers

At a glance

Lease: Brand-new long-term, favourable lease secured

About the business

A Muffin Break cafe in Coffs Harbour, New South Wales. It is established for over 20 years and operates as a Muffin Break franchise. It is in Park Beach Plaza shopping centre, with a new long-term lease in place. The broker reports a long-serving manager (16 years) and experienced team, and national franchise backing and full training.

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%$148,500 of the $495,000. 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 $495,000 is paid

Your cash $148,500
Loan $346,500

What borrowing costs

$439,003 repaid in all

Borrowed $346,500
Interest $92,503

AU-20200Estimate

Asking price$495,000

Paid by

Your cash$148,500

Secured loan, 7 years at 6.98%$346,500

Each month

Loan repayment$5,230

Repayments each month

$5,230

Over 7 years you repay $439,003, of which $92,503 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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