Business plan for the collection agency

Business plan for the collection agency
Business plan for the collection agency
Business plan for the collection agency

Economic and social situation in the country is unstable. In connection with this problem of non-compliance by citizens and organizations of their financial obligations constantly aggravated by. Against this background, growing every day branch collection activity -Professional vzyskatelja demand individuals and enterprises of various sizes.

The unstable economic environment nonetheless favorable for the opening of the collection agency. The main advantage of such organizations lies in knowledge of the laws and their correct application. This is the catch, and the uniqueness of such a young, but it is quite a profitable business.

design feature

The creation and development project provides for the provision of services to assist in the return of overdue debts of individuals or organizations., as well as advisory activities. Due to the peculiarities and serious legal restrictions, related to this activity, Work collection agency will be fully regulated by specialized federal law number 230 (

Basic goals, which are put in front of new businesses:

  • – the satisfaction of the selected segment of the market needs - to provide services to find and work with debtors, redemption of non-performing loans and advisory work in matters of credit;
  • – the creation of a highly profitable venture;
  • – receive stable and high income within the specified two-year period of the project.

The purpose of this plan - to determine the cost-effectiveness of the designated project, the feasibility of its opening and an indicative scale of business. It also carried out detailed financial calculations of the cost of building your business and forecast future profits, as well as the profitability of this agency. In terms of analysis of all existing risks and possible adverse factors.

Services and target audience

collecting agency services must be diverse. They are to provide assistance is not only legal (banks, credit institutions), but also to individuals.

In this way, Main customers of collectors following:

  • – banks;
  • – commercial organizations;
  • – individuals.

With regard to banking structures collector agency can offer an analysis of the financial situation of the debtor, assistance in the search for the debtor and to clarify the situation. The agency can also help in the design documentation, related civil proceedings and criminal proceedings. Agency task will be to search for debtors, record keeping, and cooperation with law enforcement authorities.

The second vector of activity - working with commercial organizations. collecting agency services will be in establishing and maintaining documentation, related bankruptcy situation. May be held and high consulting, expertise and valuation of property. The question of judicial intervention may also help to solve the collection agency.

When resorting to the services of the agency individuals, Agency, depending on the situation, assists in matters of debtor search, conducting explanatory work with the debtor, and debt repayment. There may also be consultation on judicial intervention.

In this way, future agency services range can be described as follows:. The main activity - repayment of outstanding loans from banks and other credit institutions for a small percentage of (to 10%). To this end, the bank entered into a contract of assignment of debt to the agreed terms and conditions. The second type of work carried out by collection agencies - cooperation with credit institutions. The purpose of this collaboration -dobitsya payments position of the debtor funds. At each successful operation agency receives remuneration in the amount of 25 – 30% amount of debt.

methods of work, that guide the collectors during the execution of one of the main tasks - collection of bad debts, standard:

  • – receipt of an order;
  • – establishing contact with the debtor and try to convince the voluntary and in the shortest time required to return funds. If the defaulter is a dialogue - development of optimal refund plan (payment by installments, scheduling payments;
  • – if the debtor does not go to the dialogue, go to the effects of other ways in accordance with the methodology developed by the specialists of communication with customers and legal regulations;
  • – If the previous steps do not take effect, have recourse to drastic measures. According to the law - is sending warning letters and home visits. All these measures should be agreed with the law.

Acting entirely within the law, experts generally use the method of correspondence with debtors. At indebted individuals to provide a notification with details about the status of their debt.

Additional services, who can provide the agency:

  • – represent the interests of the creditor in court, Executive Service and law enforcement;
  • – consulting on any matters, issues related to credit;
  • – improving financial and legal awareness of citizens;
  • – training of specialists of this direction: seminars and courses.

The main revenues of the project - still repurchase problem loans and work with debtors. It is at this activity it is necessary to make a bet.

About the features of the collectors – in the video:

Business opening stages

stages Test conditions Deadlines
Home project 1 – 2 year
The conclusion of the investment agreement 1 project of the month first 30 banking days
Getting credit Availability of compulsory set of documents 1 month
Adding to the state register, registration with the administrative and tax authorities Conclude an investment agreement from 1 to 30 calendar days
choice of location, preparation of documentation preliminary work 1 month
Buying equipment The conclusion of the investment agreement To 30 calendar days
Equipment installation Obtaining investment funds To 30 calendar days
hiring employees production activity To 30 calendar days
Training The end stage of the production process To 30 days
marketing campaign 30 calendar days To 360 calendar days
End of project 12 – 24 months

It is necessary to consider in more detail each of the stages, identify the key aspects of.

Office: premises and equipment

As with any agency, Designed to work with the status partners, office must look presentable. Sometimes, at the first stage of their development, collection agencies work mainly by telephone or online, meeting with clients mainly in neutral territory. In this case, in the first year of activity, you can save on office costs., renting a minimum room, only provided jobs for all employees, purchase equipment and conducting internet and telephone connection. In this case, for 2 – 3 collectors and the head office in the area enough 20 m without any additional conditions. Placed such an agency may in any area of ​​the city - the territorial binding to the center is not obligatory.

If plans - opening of a good office, in which you can receive visitors, better to take care first of all about the location convenient area. Usually it is a prestigious business district. It was there that the banks are concentrated, other financial organizations and enterprises. Since collection agencies in many big cities, Most potential customers will contact the nearest agency.

To prepare an office for opening, you will often need minor or major repairs, purchase of furniture, computer for each employee. You will also need office equipment - a scanner, Printer, copy machine, landline telephone and internet. It is advisable to immediately equip a small reception area with a reception desk, where the administrator and secretary will meet visitors and coordinate the work of the entire structure.


Recruitment is a very difficult and responsible step. This is primarily due to the reputation of the claimants, operating in our country. Employees must be experts in their field and master many disciplines, because they have a hard job. All specialized specialists must have a good legal base, as well as master the basics of psychology and sociology, to be able to subtly feel your customers and know, what to focus on. It is also desirable to have an economic education or possession of banking. Good financial motivation is also important. Accordingly, it is important to develop an adequate remuneration scheme..

At the first stage, besides founder, to take the lead, it is enough to have only 2 – 4 collectors. It is then advisable to hire an account manager and other administrative staff. After the company is expanded, be sure to hire an accountant. Initially, this function can be performed by the founder, combining also the position of a leader and a manager. An employee will also be needed to clean the premises, sometimes also a guard. Hiring an advertising and promotion specialist separately does not make sense. These tasks can be entrusted to a freelance specialist or you can learn this business yourself. All employees need to ensure a high level of income and good motivation. This will help to gather and retain truly competent and conscientious specialists in the staff..

Example of collector operation – video:

Registration and documentation

Not everyone can engage in collection activities. There are special regulations, governing this issue and dictating conditions, who should be responsible as an ordinary claimant, and the founder of the business.

Any, who plans to engage in collection activities, must meet these requirements:

  • – have Russian citizenship;
  • – have a higher education in an economic or financial profile;
  • – complete the collector training program, which to pass the theoretical exam.

For the staff of a starting agency, it is enough 3 specialists. With an increase in the number of orders, you can expand the staff and by the end of the second year of the project, double it. It is worth considering, that each such specialist must meet existing requirements and have permission to engage in demanding activities.

According to the Federal Law No. 230, the agency has the right to engage in demanding activities, only if it is registered in a special register, and also fulfills several requirements:

  • – has its own website, where the license is indicated, all company details and contact phone numbers;
  • – minimum asset threshold of 10 million rubles;
  • – availability of liability insurance in the amount of 10 million rubles.

The company itself must be registered as an LLC. IP form in this case is not recommended, since a legal entity is more trusted by potential customers and meets the requirements of a specialized law to a greater extent.

To create an LLC, you will need to fill out the established registration form. It contains basic data about the future company, including the type of its activity and details of the founders. Selecting the type of activity, you need to refer to the current OKVED classifier (

In the specific case, the code will be 82.91 ("Activities of collection agencies"). When providing advisory and other services, which may not be on this list, other, auxiliary codes.

Set of constituent documents of LLC, which is submitted along with the application, It includes:

  • – charter;
  • – the decision to establish Ltd.;
  • – the decision to appoint the head;
  • – Minutes of meeting of founders (if there are more than one founders);
  • – some other documents if necessary.

Personal documents of all founders are also attached to the application., confirmation of the right to use the premises and permission from the fire and sanitary services. The registration process of a legal entity takes up to 14 days.

Before opening an agency, you must study the relevant regulatory documents:

Federal Law of 03.07.2016 N 230

Federal Law of 08.02.1998 N 14-FZ Ob OOO

Customer Search. marketing campaign

Before you start looking for clients, you need to analyze the nature and composition of the target audience. First of all, the agency will be interested in banks and non-bank credit structures, those wishing to return at least part of the funds, who are not paid by unscrupulous debtors.

Collection agency marketing campaign methods are significantly different from other types of business. Street advertising practically does not work here, distribution of leaflets and other methods, designed for a mass audience. To attract large organizations to cooperation, it is desirable to have a good working website, informing potential clients of all the benefits and optimized for search queries.

Reaching out to potential customers directly is another powerful method. Cooperation offers can be sent directly to banks, credit institutions and other representatives of the target audience.

Additional methods of popularizing the collection agency:

  • – free consultations for the population and organizations;
  • – distribution of proposals for cooperation between the bank and other financial organizations;
  • – conducting refresher courses for representatives of this type of activity;
  • – conducting seminars - as for debtors, and for creditors.

Building a good reputation in the market is one of the most effective methods of promoting your services in the market.. If existing customers are satisfied with the services provided, they will recommend the agency. Therefore, the competence of employees and the quality of services must be given great attention..


It is worth starting with basic expenses, inherent in any business. Costs, business registration, payment for legal services, lease of premises, purchase of the necessary equipment and software, worth considering right away.

Not in the last place in the plan will be the advertising of the agency. Collection agencies are not so common in our country; and if they know about them, then they do not always risk giving a lot of money for such services (usually around 25% of the repaid debt is allocated for the services of the claimants). Good advertising will ensure a confident start and a faster return on investment.

  1. Minimum and approximate calculation of financial indicators for the short term in 12 months includes such items:
  2. Total orders - 30 million. rub.
  3. Agency Rewards (with an average 30%) – 9 million. rub.
  4. Initial costs - 1 million. 713 thousand. rub.
  5. Salary costs - 1 million. 800 thousand. rub.
  6. Agency maintenance costs - 480 thousand. rub.
  7. Payment of taxes - 540 thousand. rub.
  8. Other costs - 100 thousand. rub.
  9. Net profit - 4 million. 367 thousand. rub.
  10. Net profitability for the year- 48,5%.

An accurate measure of the profitability of this type of organization can be difficult to calculate.. This is due to the fact, that collection agencies are consulting-type enterprises, which means, that they do not produce goods, but only provide services of an intangible nature. On the other hand, any company, performing consulting services, has a lower cost, which allows, with a competent approach, to shorten the payback period as much as possible and minimize the regular costs of developing and maintaining a business.

With regard to the considered two-year period of business creation and development, the following financial conclusions can be drawn:

  • – financing will be carried out by obtaining a commercial loan in the amount of 9 million rubles. Additionally, it is supposed to use the own funds of the founder;
  • – the interest rate on the loan - 17,5 % with the prospect of decreasing;
  • – mortgage payments will start from the first month of the company. In this way, total interest paid, which will constitute the investor's income, will be approximately 65 thousand;
  • – estimated payback period, taking into account discounting – 2 of the year, since the start of the project - 12 – 16 months;
  • – overall economic effect of the project – over 13 million rubles.

The forecast of the income structure is carried out based on such factors:

  • – analysis of the level of demand among consumers of collection services;
  • – analysis of this market segment;
  • – general conclusions about the state of the collection services market at 2018 year and nearest prospects.

In this case, the lowest profitability threshold is taken into account.. At this stage, according to analysts, the growth in sales and consumption of services in this industry is at the level 5 – 12%. If this trend will continue, during the first year of work, the volume of sales will reach more than 40 million rubles with the prospect of increasing.

If we consider the financial part in more detail, the analysis will include such cost indicators in accordance with the main periods of business development:

item of expenditure 1 month, rub. 1 year one-off expenses Total per year
Buying or renting premises (from 50sq.m) 1 500 000 1 500 000
Buying equipment 2 500 30 000 30 000
check in, obtaining permits 50 000 50 000
Purchase of computer equipment, office equipment 270 000 270 000
Site, hosting, scripts acquisition 120 000 120 000
advertising costs 50 000 600 000 100 000 600 000
Wage To 1 000 000 12 000 000 12 000 000
taxes from 560 000 6 730 000 6 700 000
Unexpected expenses 700 000 700 000
Total 2 000 000 33 000 000 7 800 000 40 500 000

The brokerage agency will not pay any special taxes. Tax reporting, which annually after the end of the financial year the company will submit to the Federal Tax Service, It includes:

Name base Period tax rate
Tax on profits earned profit 1 month 20%
NDS added value 1 month 18%
Property tax value of property According to the schedule 2,2%
Income tax wages fund 1 month 13%
Social Security contributions wages fund 1 month 30%

To accurately calculate the company's income, it is necessary to draw up an approximate price list for the services of the future organization. The pricing policy will be approximately as follows:

Type of service cost of
due diligence 1 500 for 1 sheet of document
Consultation, drawing up a written opinion 5 000
Preparation of contract from 2 000
Representation of interests in court (depending on the specifics of the case and complexity) 15 000 – 35 000
Foreclosure Consulting is free
Collection and analysis of information about the debtor for individuals. persons from 10 000
Collection and analysis of information about the debtor for legal entities. persons from 15 000
Drawing up a claim letter 7 000
Enforcement proceedings 20 000 + from 5% from the amount of recovery
Full range of services for debt collection for individuals. Persons 5 – 45 % of the collected amount
Full range of debt collection services for legal entities. Persons 10 – 50% of the collected amount
Study of the reliability and creditworthiness of partners, clients and other persons or organizations from 5 000

The main risks

These inherent risks can impede rapid advancement and financial success.:

  • – instability of this sector, lack of a full-fledged legal framework;
  • – lack of trust among the target audience, negative reputation of collectors in general;
  • – the right staff is of great importance: availability of highly qualified specialists, who operate in accordance with the provisions of the law, will contribute to success;
  • – the high level of competition.

It is not difficult to bypass the listed risks. To avoid the pressure of competition, you need to carefully study the market and find a free niche. The risk of distrust of citizens and organizations can also be minimized: you need to create a positive image of your company, using competent marketing moves and well-thought-out advertising for this.

The risk of the existence of a collection agency depends only on the incorrect selection of personnel and a poor-quality advertising campaign. After all, it is they who are an obstacle to high-quality and informative service.. The new company must prove itself as such, which acts exclusively by legal and safe methods. And the myth of physical abuse of debtors should be replaced with the reality of high-quality analytics and scoring., which are carried out as soon as possible. It is scoring that makes it possible to quickly and correctly analyze the situation of a company or an individual, give a professional assessment and the likelihood of repayment of borrowed funds.

All of the above nuances require special skills and certain personal qualities.. Therefore, it is planned to recruit non-former security officials for the new company., and above all specialists in the field of economics, finance and psychology.

One way to avoid significant financial costs and, Consequently, risks, – open a small structure with minimal start-up investment. So, registration of an LLC without intermediaries will cost a little more 10 thousand. Equipping a minimal office and hiring everything 1 – 2 employees, you can reduce the start-up investment to a minimum.

If we sum up all the provisions of the plan, collection agency is a high-risk, but a demanded and fast-payback business. This industry is actively developing, but due to insufficient information content in society it is considered to be of little prestige and unsafe. By ensuring the legal registration of the company and filling its staff with highly qualified specialists, you can achieve high results and reach self-sufficiency during the first year of work.

On the legal status of collection activities – video:

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