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Tobacco, lottery and giftware retail business

About the business

A tobacco and lottery retail business that also sells giftware, in Brisbane, Queensland. It has traded from the same location for approximately 35 years. It sells tobacco products, lottery products, smoking accessories, giftware, greeting cards, newspapers, cold drinks, Go Card sales and top-ups. The shop is a retail position within a busy shopping precinct in a Brisbane bayside suburb. The lease runs until March 2027 with two further one-year options. Included are a modern shop fit-out, POS system, EFTPOS facilities, drink refrigeration and a built-in floor safe. A back-to-base alarm and CCTV security system, a rear storeroom with rear access, internet and Wi-Fi, and established supplier accounts are also included. Stock is extra. The broker reports a loyal base of repeat customers.

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 $99,000 is paid

  • Your cash $29,700
  • Loan $69,300

What borrowing costs

$87,801 repaid in all

  • Borrowed $69,300
  • Interest $18,501
AU-22835Estimate

Asking price$99,000

Paid by

Your cash$29,700

Secured loan, 7 years at 6.98%$69,300

Each month

Loan repayment$1,050

Repayments each month

$1,050

Over 7 years you repay $87,801, of which $18,501 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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