- What information should contain the pawnshop business plan
- Summary of business plan for opening a pawnshop
- stages of the project
- algorithms action, prescribed in the business plan of the pawnshop
- In the business plan following the pawnshop registered to start business activities algorithms:
- The urgency of the opening of business on pawnshop
- Advantages and disadvantages of business in Lombard
- Benefits pawnshop
- disadvantages pawnshop
- Schematic table for preparing a business plan pawnshop
- Selecting the operating format pawnshop
- Advantages and disadvantages of using online banks to pawnshops
- Laws and Documents
- The payback period of the pawnshop
- tax deductions
- Documentation for opening a pawn activities
- business risks
- How to get money for business development?
- How to start a business at the opening of a pawnshop
- Franchise or startup?
- project costs (in rubles.)
- the volume of a plan to provide services to the settlement period
What information should contain the pawnshop business plan
Summary of business plan for opening a pawnshop
- This project - a plan for the creation of a private enterprise for the organization pawnshop business plan for 24 of the month. First of all, list the key points of the process of creating a business plan for the launch of the pawnshop.
- In the first place there is the project idea, and objectives of the project, such as:
- Creation of an enterprise with high level of profitability.
- Receiving a profit legal way, indicating the legal address, Head of passport data and project founder, Employee Information.
- Satisfaction of consumers demand to fill a niche of the population of loans secured by tangible assets.
- nature of the enterprise: company to provide loans to the population.
- Providing the opportunity to obtain a loan on favorable terms and to sell tangible assets, cover consumer demand for this type of service.
- Finding and conclusion of contracts with investors.
- Project cost: 16 174 734,64 rub.
- financing of the project: By obtaining a commercial loan in the amount of 16 174 734,64 rubles.
- To implement the project the company needs to take out a loan in the amount of RUR 24 settlement months discount rate 14%.
- payback period: 2 of the year.
- the investor's income will be 2 176 310,55 rubles.
- Payment of interest on the loan starting from the first month of this project.
- Repayment begins with the first month of the project. This fact is entered in this business plan to facilitate understanding of the structure for calculating the flow regulation discounted cash flow and. Repayment begins with the first month of the project. This fact is entered in this business plan to facilitate understanding of the structure for calculating the flow regulation discounted cash flow and.
- Implicit interest rate on borrowings 17,5 %. Should be considered, that at present banks are reviewing the rate of interest for investment projects downward.
- The total amount of accrued interest will be 2 176 310,55 rubles.
- The payback period from the beginning of the project 13 months.
- Payback period with discounting 2 of the year.
- The overall economic benefits of the project for the life cycle of a conditional 4 040 212,95 rub
stages of the project
|stages of the project||Test conditions||Deadlines|
|The conclusion of the investment agreement||1 project of the month||1 -30 banking days|
|Adding to the state register,registration in the Assay Chamber, registration with the administrative and tax authorities||The conclusion of the investment agreement||1-30 calendar days|
|Signing a contract with the owners of parking lots / parking||The conclusion of the investment agreement||1-30 calendar days|
|The conclusion of the lease premises||The conclusion of the investment agreement||1-30 calendar days|
|Installation of specialized security equipment||The conclusion of the lease premises||5 calendar days|
|Purchase of specialized furniture and equipment||The conclusion of the lease premises||2 calendar days|
|Signing the contract for the signaling connection and protection of the territory by special services||Installation of specialized security equipment||2 calendar days|
|Installation of refrigeration equipment and safe systems and storage cells||The conclusion of the lease premises||2 calendar days|
|Purchase and installation of a computer network system||The conclusion of the investment agreement||1 calendar day|
|Installing specialized equipment SOFT||Purchase and installation of a computer network system||1 calendar day|
|Recruitment and training||The conclusion of the lease premises||1-30 calendar days|
|Conducting marketing company||360 calendar days||1-360 calendar days|
algorithms action, prescribed in the business plan of the pawnshop
In the business plan following the pawnshop registered to start business activities algorithms:
- The methods and techniques of analysis target audience, drawing up a portrait of the ideal customer, its solvency ratio.
- Business Registration in the state regulatory and tax authorities.
- Hiring qualified employees, able to fulfill customer wishes and be ready to work. Another item of expenditure considered hiring employees. Specialists will take the vacant positions on a competitive basis, As employees of the total, maintenance and temporary nature with a decent competitive pay. Nominations applicants for the position will be reviewed within 30 calendar days.
- services, now rendered.
The urgency of the opening of business on pawnshop
Today, pawn shop - a full-fledged member of the financial market of our country, together with the MFI, banking institutions and sophisticated scoring systems.
Activities of pawnshops has become popular due to a number of reasons:
- Relatively accessible to the public and transparency of transactions.
- Fast cash is received and the legal registration of the transaction.
- Pawnshops loyalty to the people with different income levels and different credit history.
- Requirements for the property and the package of documents, provided the borrower - are minimal.
It is for these reasons that a citizen, which is in urgent need of cash, It appeals to the pawnshop with appliances or jewelry, than go to make out a loan in the micro financial institution or a bank.
lombard activity, as well as the activity of any enterprise, associated with the provision of financial services, It has high riskiness and the need for a thorough knowledge of the existing legislation. financial services sector today allows to earn good money in a relatively short period of time, however startups requires advance preparation and a solid start-up capital.
Advantages and disadvantages of business in Lombard
Lombard as a business has several advantages and disadvantages. The business plan should explain both points.
- Minimal risk of losing money.
- It needs a small room to start a business (unless you do not plan open Pawnshop).
- The high demand for this service among the population.
- Opportunity to earn a good income.
- Relatively low competition (depending on the area and location of the region).
- High barrier to entry into business.
- The risk of taking a pledge of stolen or obtained fraudulently other values, as well as home appliances faulty or counterfeit precious metals and their products, and the inability to issue a loan secured by award medals, medals and precious metals and stones, have not undergone pre-treatment.
- Loss of liquidity of a certain category of goods - furs, Articles made of leather, Byttekhnika, things tend to become obsolete and significantly lose value.
- Increased demands on the organization of car pawnshop. So, need parking with security, highly qualified personnel and experience.
Schematic table for preparing a business plan pawnshop
Selecting the operating format pawnshop
Most often you can find such formats of commercial operation of pawnshops:
- Taking as collateral jewelry. It is worth noting, that is a rare case, in which the pawnshop takes as collateral gems. Most often, the subject of the transaction are the products made of precious metals. These pawn shops often located in close proximity to the jewelry stores and outlets for their repair. So often rely on pawnshops, and not only the middle class, but also quite wealthy citizens of our country.
- they, who work with home / digital appliances and other electrical consumer. The target audience of these pawnshops are typically middle-class citizens. entry can be called Additional risks as collateral stolen or defective technique, so the businessman must be attentive to the choice of personnel - the assessor should not only be aware of the actual prices for equipment, but also to understand its peculiarities. The most popular items, that leave a deposit of pawnshops, They are PC, laptops, Cell phones, smartphones, netbooks, Camcorders and Cameras.
- Universal. Universal pawnshops accept bail jewelry, Byttekhnika and fur products.
- The most rare highly specialized pawn, who take a pledge antiques (antiques), watches and luxury items made of precious metals.
Today, this sector of the economy is governed by a number of legislative acts, understand that can only be experienced lawyer, to which aid can resort. Legislative acts are constantly undergoing change and adapt to the needs of modern technological innovations and development.
So, The Ministry of Finance has prepared a draft, according to which the activities of pawnshops will need to be subject to licensing. This measure will convert pawnshop buying and consignment stores of precious metals and products from them. Pawn shops are non-credit institutions, and the Central Bank of Russia has the right to inspect the company on the subject of the financing of terrorism and committing suspicious transactions to the property of citizens and the financial resources.
The list of species and signs of unusual transactions owners of pawnshops can be found on the website of the Central Bank of Russia. There you can find the document position of the Central Bank # 445-P. The future owner of the pawn shop you need to know, that require the purchase of a specialized check-out equipment. recall, Earlier it was enough to show the client escrow ticket and contract consumer credit.
Now, legally, with 01.06.2018 a list of the necessary documentation has tripled, and the borrower receives at the hands of three types of documents:
- sales slip, Breakage ticket and contract consumer credit ". Today, the CCP is required if, if the pawnshop will sell the mortgaged property, not claimed by the borrower.
- Breakage ticket - a special kind of documentation, which is handed to the borrower, surrendering the property for long-term storage. The ticket indicates the borrower's personal information, term of a loan, its cost and the collateral.
It is this document is a form of strict reporting and approved by the Ministry of Finance. Besides, the client receives a contract consumer credit, filled shape, approved by the Central Bank of Russia. Previously, the regulator intended as part of the "road map pawnshops" program to combine these 2 type of document, but the introduction of the use of CCPs will lead to much greater financial spending.
According to the assurances of experts, minimum cost size, which will have to take into account the existing market players and start-ups, will be about 30 000 rubles.
Advantages and disadvantages of using online banks to pawnshops
- The increased degree of control over financial transactions, committed staff pawnshop.
- Reduced maintenance costs and installation of cash registers.
- Indexing the Federal Tax Service.
- Possibility of independent replacement of the fiscal drive.
- Providing fast and good CCP through personal gadgets (tablets, smartphones).
- Timely transfer of data to regulatory authorities and simplified verification procedure.
Laws and Documents
That business brings a stable high income, and its activities did not cause any suspicion among the supervisory authorities, you need to thoroughly examine all laws and amendments, relating to the activities of pawnshops. So, mainly pawnshop activities regulated by the Civil Code of the Russian Federation and the Federal Law №196-FZ "On the Lombards" from 19.07.2007 of the year. Pawn shops are required to take the zero return on the general conditions, and the income received from interest on loans, which are not subject to value added tax in accordance with claims 15 n. 3 Article 149 of the Tax Code
Wherein, if the pawnshop takes a percentage for the storage of property, that this profit will be taken into account in the calculation of VAT. Article according to claim 4. 170 Tax Code requires separate accounting for the amount of tax.
NACE codes for pawnshops:
- 6 Providing pawnshops short-term loans secured by movable property;
- 5 Provision of services for the storage of values.
- Russian Federation Government Resolution 11.04.2001 N 290
- Federal Law of 04.05.2011 N 99-FZ
- Federal Law of 04.05.2011 N 99-FZ
- On Licensing Dep. Business
- Federal Law of 26.03.1998 N-41 FZ On precious metals
- Basic Documentation for the opening activities
The payback period of the pawnshop
Average, depending upon the amount of initial investments, and the possibility of granting public funds, Lombard will reach the level of self-sufficiency through 5 years old.
|Tax on profits||Profit||Month||20%|
|Property tax||value of property||According to the schedule of payments||2,2 %|
|podhodnyh tax||wages fund||month||13%|
|Social payments||wages fund||month||30%|
Documentation for opening a pawn activities
- Certificate of state registration of the LLC (Limited Liability Company), JSC (Public corporation) Company or Close Corporation. Remember, The PI evidence in this case does not fit. SP Certificate can be obtained only in the case, if provided simultaneous organization like buying property, and its subsequent sale at retail thrift shop.
- The presence of the lease / ownership of premises.
- The conclusion of sanitary and epidemiological stations and fire control.
- When, if the pawnshop provides the service of buying precious metals, you need to put the company on account of the Federal Service for Financial Monitoring and the State inspection of assay supervision of the Russian State Assay Office
Choosing principles for naming your business, remember that, that name must necessarily appear the word "pawn" and the legal form of the company.
Recruitment - it is another kind of risk. So, modern technologies(programs- keyloggers and other ways to steal passwords and substitution information), trade in goods without entering data into the computer, theft of funds from the cash register. Also, there is the risk of cooperation with resellers or replacement of substandard goods, but similar in basic parameters. Another risk item and cash investments - insurance is accepted as collateral property. To avoid the risk of hiring unqualified staff, It should also pay attention to the provision of specialist decent pay and easy staffing.
The insurance amount can vary depending on several factors:
- Specificity of collateral.
- timing, for which they were retained as collateral.
- The conditions of storage in a pawnshop.
- Quality protection pawnshop.
- The quality of fire safety systems.
- Feature space and layout of emergency exits.
The insurance will be higher, if the level of risk increases for each of the points. The main feature of the accounting services of pawnshops is, it is directly related to storage and delivery instruments population loans.
Important!!! Lombard has no right to engage in any other business activity, but to make loans to the population, and advise citizens and to keep their valuables prior to redemption.
How to get money for business development?
The most profitable option of obtaining funding to open a pawnshop will be opening credit tranche.
How to start a business at the opening of a pawnshop
How to choose a franchisor - Lombardy. If you decide to purchase a franchise and the same way to protect yourself from a number of risks, associated with the start of operations from scratch, should pay attention to the following items:
- Period, for which the company has turned a ready customer base and won the trust of consumers.
- The pace at which developed the proposed business.
- How effective are the key business processes, taking place in the company.
From the acquisition of the franchise should be abandoned in the event, if a:
- The company has existed at least one year.
- No basic documentation package, You can start a business.
- The firm has a lot of negative feedback from former franchisees in the regions.
franchiser, which is not able to provide the franchisee a fast start and competent marketing support, pursues personal goals when selling a franchise, and he needed "quick money", and not able to receive regular income from your representation.
Franchise or startup?
|Promotion of a startup from scratch||The acquisition of an existing business||The acquisition of the franchise under the terms of the concession agreement|
|An independent decision on the amount of initial capital, costs and choice of activity distribution format||Selection of suitable premises for the shop is associated with some difficulties, may have problems with landlords: unplanned increase in rents or one-way contract break after, indoors have been made and carried out repairs necessary communications.||It reduces the time to start a business work: all preparatory steps have already been passed, you only need to carefully read the business owner documents, to identify pitfalls.||Business for sell mostly because of its profitability or unprofitability. before, you sign a contract of sale, check the traffic of the target audience, the amount of average check and the ability to generate additional revenue through the implementation of their own unique strategic developments.||The franchisor will provide support at all stages of business formation||The need to pay lump-sum payment (one-time payment) and royalties (monthly payments). Rather high threshold of entry into the business.|
|Individual selection of women's clothing shop concept, range selection, identifying the most profitable pricing system||Data demand analysis can be imprecise, and this factor may adversely affect the advantageous content store required range. Need to monitor the timely logistics and supply a new product.||Sometimes you can buy ready-made business with a set of equipment and room repairs.||By purchasing ready-made business, Be prepared to pay debts – loan, taxes and incur other expenses of the former owner.||Debugged all business processes, you will be provided in support mode 24/7, you will have a ready customer base and promoted brand with loyal audiences.||The need to strictly comply with all the requirements of the franchisor and keep commercial secrets. without the possibility to try out their own ideas without prior approval from the head office.|
|Ability to conduct the business model and the elaboration of business processes and strategies on their own, based on our own experience.||All business processes, relating to the registration, opening, promotion of new business would have to own, which is associated with a certain degree of risk.||Key business processes are debugged: ready supplier base, customer lists are turned, defined target audience, staffing personnel, ready documents, concerning the operation of the business and its tax burden||the, who sells you a ready-made business, not always interested in, to have his case brought the income you have, and free assistance in the future more often you provide will not be.||At the start of the stage in the city you will assist in the search and selection of premises, you will be available to the design project streamlined operating business processes, related supplies, selection and training of staff and more according to the concession agreement||The right choice of assortment and suppliers rests with the franchisor.|
|You can create a unique and creative brand, capable of competing with the already existing on the Russian market, work under the guise of personal, registration of its own brand.||business scaling occurs forces of businessman||The store already has loyal to his audience and some recognition within the city||The store may have a negative reputation among buyers, and often this fact is quite difficult to recover.||Prepared promotional materials, assistance in promoting, selling site, training franchisees effective methods.||The franchisor will require activity reports, execution of sales plans, and follow the instructions, specified in the concession agreement.|
project costs (in rubles.)
|Name expenditure||cost of|
|Qty (PC)||per month||in year||One-time purchase||Total costs per year|
|lease of premises||165 m.||180 000||2160 000||360 000||2 160 000|
|Buying technology weighty equipment||2 693 759,64||2 693 759,64|
|Purchase of office furniture||set||50 000||50 000|
|Purchase of computer equipment||with Ed.||180 000||180 000|
|Buying network of licensed software||50 000||50 000|
|personnel salary||12||240 210||2 968 680||3 208 902|
|including. taxes||12||74390||892 680||967 082|
|Installation of specialized security equipment, system installation, conditioning, extinguishing, CCTV||1||720 000||720 001|
|Payments security company, Consumables, Software support, payment of a notary||12||80 000||960 000||960 000|
|Utilities, link||12||38 000||456 000||456 000|
|Conducting marketing company||12||48 000||576 000||100 000||724 012|
|Circulating means for lending||1||10 000 000||10 000 001|
|Unexpected expenses (10%)||12||1410375||1 410 387|
|in total:||660 600||8063360||15 514 134,64||12 169 756,64|
the volume of a plan to provide services to the settlement period
|Period||type service name||The volume of services provided in a month||price||Revenues from sales (rub.)|
|1 monthly investment||Issuance of the loan secured by jewelry and other assets||70||350-550 rubles per gram||812 000|
|1 monthly investment||Issuance of the loan secured by other assets||70||0,5 to 1 in a day||320 000|
|2 monthly investment||The issuance of loan secured jewelry, etc.. products||80||400-600 rubles per gram||850 000|
|2 monthly investment||Issuance of the loan secured by other assets||80||0,6 to 1 in a day||350 000|
|3 monthly investment||Issuance of the loan secured by jewelry and etc.. products||100||300-500 rubles per gram||650 000|
|3 monthly investment||Issuance of the loan secured by other assets||100||0,3 to 1 in a day||710 000|