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Retail store in a local shopping centre

Photos: Morgan Business Sales

Photo 1 of 1

About the business

A retail store in Maitland, New South Wales, attracting customers from a 150 kilometre catchment. It has no wholesale division. It is located in a local shopping centre opposite the supermarket's main entrance. The owners envisage a timely transition with full training to the incoming buyer. The broker reports a lease with affordable rent and high margins as there is no wholesale division.

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 $180,000 is paid

  • Your cash $54,000
  • Loan $126,000

What borrowing costs

$159,637 repaid in all

  • Borrowed $126,000
  • Interest $33,637
AU-23105Estimate

Asking price$180,000

Paid by

Your cash$54,000

Secured loan, 7 years at 6.98%$126,000

Each month

Loan repayment$1,900

Repayments each month

$1,900

Over 7 years you repay $159,637, of which $33,637 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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