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Artisan bakery and delicatessen, 8 years trading

Photos: Morgan Business Sales

Photo 1 of 1

About the business

An artisan bakery and delicatessen with French-inspired baking and specialty deli products, in a Central Queensland coastal town. It has operated for over 8 years. It has a team of 12 staff and trades seven days a week. The current owners oversee the business for approximately 20 hours per week. It serves local clientele and tourists. The premises are in a main street position on a retail strip. The lease is in place through to 2028, with an option to extend to 2031. All plant, equipment and stock are included. The broker reports that a liquor licence application is in progress.

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 $475,000 is paid

  • Your cash $142,500
  • Loan $332,500

What borrowing costs

$421,266 repaid in all

  • Borrowed $332,500
  • Interest $88,766
AU-23253Estimate

Asking price$475,000

Paid by

Your cash$142,500

Secured loan, 7 years at 6.98%$332,500

Each month

Loan repayment$5,020

Repayments each month

$5,020

Over 7 years you repay $421,266, of which $88,766 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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