Cafe and everyday convenience retail business

Photos: LINK Business Brokers

About the business

A cafe and everyday convenience retail business in Melbourne. It sells coffee, freshly made sandwiches, cakes, ice cream, fresh juices and a curated grocery range. It is in a busy suburban shopping plaza on a major arterial road, with the entrance facing a large customer car park. It has seating for 25 indoors and 20 outdoors. Commercial equipment is included. The broker reports 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%$58,500 of the $195,000. 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 $195,000 is paid

Your cash $58,500
Loan $136,500

What borrowing costs

$172,941 repaid in all

Borrowed $136,500
Interest $36,441

AU-20822Estimate

Asking price$195,000

Paid by

Your cash$58,500

Secured loan, 7 years at 6.98%$136,500

Each month

Loan repayment$2,060

Repayments each month

$2,060

Over 7 years you repay $172,941, of which $36,441 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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