Cafe with a full commercial kitchen

Photos: LINK Business Brokers

About the business

A cafe in a Melbourne suburb. It sells 50 to 55 kg of coffee per week. It is currently trading only during daytime hours. The premises are fully renovated at 130 sqm, with a full commercial kitchen. It seats 50 indoors and 24 outdoors. The lease is 5+5+5 years. All plant is owned. The broker reports limited competition nearby and a loyal customer base.

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%$149,700 of the $499,000. 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 $499,000 is paid

Your cash $149,700
Loan $349,300

What borrowing costs

$442,551 repaid in all

Borrowed $349,300
Interest $93,251

AU-20726Estimate

Asking price$499,000

Paid by

Your cash$149,700

Secured loan, 7 years at 6.98%$349,300

Each month

Loan repayment$5,270

Repayments each month

$5,270

Over 7 years you repay $442,551, of which $93,251 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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