What costs come on top of the price when you buy a café?

The asking price for a café is only part of the cash you need. Several costs arrive around closing, and a few are easy to miss. Ask your accountant to build a list before you make an offer, so that you know the whole amount and do not scramble after the deal is signed. The general version is in costs on top of the price of a restaurant.

Stock and equipment

Ask whether coffee, milk, syrups, cups and pastries are included or bought separately at closing. Then look at the espresso machine and grinder. Suppliers often lend or lease them under a coffee supply agreement, and that may not pass to you. See checking espresso equipment before buying. Owned machines may need service or replacement soon.

The lease and the landlord

A new owner may be asked for a deposit, a guarantee or a fee to approve the transfer, and for proof that the business can pay rent. Your lawyer should read the lease before you commit, because the landlord’s costs and conditions can change what you can afford.

Systems, fees and working capital

Point-of-sale accounts, loyalty apps and online ordering are often tied to the seller’s name and may need to be set up again. Add legal and accounting fees, insurance and any training time with the seller. Then keep working capital for payroll and suppliers while sales settle under your ownership. The guide to financing a café or coffee shop acquisition covers where the money can come from.

A short list to bring to your accountant

• Stock at closing and who pays for it.
• Equipment owned, leased or loaned by a supplier.
• Lease deposit, guarantee and landlord approval costs.
• System setup, professional fees and working capital.