The price on the listing is rarely the amount you need. Put your numbers in and see the whole figure, including the months after settlement when the business still has to be paid for.
What you hand over at settlement.
The agreed price for the business, excluding stock if it is listed separately.
Counted and valued at settlement, so treat any figure before then as an estimate.
Only if they sit outside the purchase price.
The costs of buying, which are easy to forget and rarely financed.
Contract review, lease assignment, settlement.
Reviewing the financials and advising on structure.
Varies by state and by what is being transferred. Check with your solicitor or use the stamp duty calculator, then enter the figure here.
Liquor, food, trade or industry licences.
Often several months of rent, held for the term of the lease.
The part most buyers underestimate. The business has to pay its way from day one, and often takes time to.
Anything you plan to change once you take over.
New suppliers may want payment up front until you have a history.
Wages, rent, utilities, insurance, software, your own drawings. Enter one typical month.
A buffer is what lets you keep trading while you learn the business and while takings settle. How long is a judgement call, and worth discussing with your accountant.
$0
Everything below, added together.
$0
left to fund from elsewhere
Talk the numbers throughThis is your own arithmetic, not a quote or an assessment. What can be funded, and on what terms, depends on the business, the security and the lender.
This calculator provides general information only. It does not take into account your objectives, financial situation or needs, and nothing here is a credit assessment, quote, pre-approval or offer of finance. Figures are estimates based on what you enter. Probiz Finance is a trading name of Vizva Finance Pty Ltd, ABN 52 661 057 647, Credit Representative 542838 authorised under Australian Credit Licence 384704.
YOUR BUSINESS, OUR PRIORITY