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Bakery, breads, cakes, croissants, pies and coffee

Photos: LINK Business Brokers

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About the business

A bakery in Sydney, New South Wales. It sells fresh breads, cakes, croissants, pies and quality coffee. It has been established in the same location for 35+ years, and the current owner has had it for 7 years. It is open 7 days. The part time owner works 5-10 hours p.w. Staff are 1 manager (5 days), 2 part-time bakers and 3-4 casuals. There is seating for 10 people (6 outdoor plus internal bench seating). A new long-term lease can be arranged for the right buyer. An upstairs 2 bedroom unit is included, currently used for office space and storage, and stock is extra. The broker reports a loyal customer base that keeps coming back.

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 $155,000 is paid

  • Your cash $46,500
  • Loan $108,500

What borrowing costs

$137,466 repaid in all

  • Borrowed $108,500
  • Interest $28,966
AU-20671Estimate

Asking price$155,000

Paid by

Your cash$46,500

Secured loan, 7 years at 6.98%$108,500

Each month

Loan repayment$1,640

Repayments each month

$1,640

Over 7 years you repay $137,466, of which $28,966 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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