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Boutique bakery and cafe, cakes and baked goods

Photos: Paramount Business Brokers

Photo 1 of 6

At a glance

Business type
Cafe

About the business

Ilma Cakes & Co is a boutique bakery and cafe specialising in cakes and baked goods in Warrnambool, Victoria. It trades only five days per week, with Sundays and Mondays closed. The broker reports repeat customers, referrals and an established local reputation.

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 $170,000 is paid

  • Your cash $51,000
  • Loan $119,000

What borrowing costs

$150,769 repaid in all

  • Borrowed $119,000
  • Interest $31,769
AU-21343Estimate

Asking price$170,000

Paid by

Your cash$51,000

Secured loan, 7 years at 6.98%$119,000

Each month

Loan repayment$1,790

Repayments each month

$1,790

Over 7 years you repay $150,769, of which $31,769 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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Boutique bakery and cafe, cakes and baked goods for sale, Warrnambool VIC | Signetry