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Hardware, home improvement and general store

About the business

An established retail hardware and general store in Dubbo, New South Wales. It sells a hardware and home improvement range from a fully equipped retail space. It is managed remotely, and trained staff are in place ready for transition. Stock is extra. The reason given for the sale is that the current owner is looking to retire. The broker reports a loyal repeat clientele.

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 $1,200,000 is paid

  • Your cash $360,000
  • Loan $840,000

What borrowing costs

$1,064,250 repaid in all

  • Borrowed $840,000
  • Interest $224,250
AU-20975Estimate

Asking price$1,200,000

Paid by

Your cash$360,000

Secured loan, 7 years at 6.98%$840,000

Each month

Loan repayment$12,670

Repayments each month

$12,670

Over 7 years you repay $1,064,250, of which $224,250 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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