How to open a pawnshop and what documents are needed. Opening a pawnshop

IN Lately pawn shops are growing like mushrooms after rain. Every now and then you see advertisements in the subway, transport, on the Internet, in various newspapers and magazines, stating that certain financial institutions are ready to issue you a loan against precious metals, real estate and movable property. Each pawnshop offers its own special conditions, attracting customers low rates, preferential terms providing loans, various loyalty systems and discounts.

A completely logical question arises: is the activity of pawnshops really so profitable that their number is increasing every day? In this article we will talk about how to open a pawnshop, what is needed for this, and what kind of profit you can get in the first month of your activity.

How to open a pawnshop: studying the legislative framework

The first thing you need to start opening your own pawnshop is to study the legislative framework and all legal acts regulating the work of the pawnshop. When starting any business, it is important to clearly understand what you will be working with, how to protect yourself, and what to rely on, and opening a pawn shop is no exception. Already at the planning stage, study all the intricacies of this business, delve into the standards of conduct financial activities pawnshop, understand what rights you have as a borrower, and the one to whom you will lend money. You need to understand everything in detail so that you don’t mess things up later and end up in a difficult and unpleasant situation.

In Russia, the main law regulating the activities of pawnshops is the Federal Law of 2007 N 196-FZ of July 19 “On Pawnshops”.

In the context of this article, we will not consider the entire law in detail, because you must do this yourself, paying due attention to it, but we will highlight the main aspects that everyone who wants to open a pawnshop simply needs to know and understand.

• A pawnshop is a commercial financial institution, the main purpose of which is to issue money to the population on the security of some material assets.
• Pawnshops can store items that serve as collateral and issue loans for a period of no more than one year. Any other activity within this financial institution is prohibited.
• Pawnshops are required to insure items that serve as collateral for the entire loan period.
• All operations for issuing loans must be formalized by drawing up an agreement. The agreement must describe all aspects of lending money - the loan term, interest rate, liability of the parties, penalties, etc.

• When issuing a loan, the pawnshop is obliged to provide the borrower with one copy of the document, which will describe the security of which property the money was issued. This document is called a “pledge ticket.” One copy of the ticket must remain in the hands of the borrower, one in the pawnshop.
• The contract specifies the term of the loan, and the borrower is obliged to repay the amount, plus accrued interest for using the money, within a clearly established time frame. If the borrower does not repay the loan, or does so incompletely, then the pawnshop has every right to sell the item received as collateral in order to compensate for its costs.
• The realization of the pledged property takes place by selling it. If the item is valued at more than 30,000 rubles, then it must be sold only at open auctions, which anyone can have access to.

As we said above, a pawnshop only has the right to store things and issue loans. But what if the borrower does not return the money within the agreed period and the pledged property needs to be sold? Here you will have to open an additional enterprise (as a rule, this is entity), whose main activity will be retail jewelry, or other goods (depending on the type of pawnshop).

It should also be noted that the activities of the pawnshop are still regulated by Order No. 203 of RosFinMonitoring dated 08/03/2010 “On approval of the Regulations on the requirements for education and training of personnel carrying out transactions with funds or other property to counter the legalization (laundering) of proceeds from crime , as well as the financing of terrorism."

Check out this in detail too regulatory legal act, because it describes in detail:

• Requirements that the state imposes on the education and training of personnel working in the financial sector and those involved in monetary and foreign exchange operations.
• Form of personnel training, as well as the timing and frequency of required recertification.
• Organization of the training process for pawnshop workers.

Many people ignore the requirements of this order, but thereby expose their business to certain risks. For the first violation, you face administrative liability and a possible fine. If you systematically violate the requirements of the decree, the pawnshop may be closed.

Since the activities of pawnshops are related to the turnover of precious and semi-precious stones, as well as various metals, it is subject to Order No. 68n of the Ministry of Finance of Russia dated August 29, 2001. This order regulates the procedure for storing and maintaining records of precious metals and products made from them. This order is relevant only if you are going to lend against stones or precious metals as collateral. If the activities of your pawnshop do not provide for this kind of operation, then you can not pay attention to this order.

Also please note Special attention to questions regarding taxation of pawnshop activities. There's one here too certain subtleties and features associated with non-ideal legislation. The Tax Code of the Russian Federation states that the activities of pawnshops fall under the general principles of taxation, and interest received from the pledge should not be subject to VAT. At the same time, activities related to the storage of things are subject to value added tax. Based on this, we can say that it is necessary to conduct different accounting statements, in which to display different profits.

Economic benefits of opening a pawnshop

If you are wondering how to open a pawnshop, then you need to immediately think about the economic benefits of this type of activity. This is one of the most important points on which it is worth dwelling in detail, calculating everything, weighing the pros and cons of opening a pawnshop, and only after that make a decision on the advisability of this type of activity.

You need:

• Clearly understand what investments will be required to initial stage(opening a pawnshop), and whether any funds are needed to support the activities of the pawnshop in the first months, or until it reaches self-sufficiency.
• Determine the expense side of the business. Understand where, when, and how much you will have to invest.
• Clearly understand how much loans need to be issued monthly in order to reach the level of self-sufficiency.

All these questions require detailed study, good and qualitative analysis. Let's look at the example of an already operating Moscow pawnshop, all the issues that we outlined above. It is clear that Moscow is not a cheap city, and the numbers that we will use further should not frighten you too much. total amount investments in Moscow and in the regions may differ by three or even five times. If you plan to open a pawnshop in a small town, then the amount may be tens of times less.

So, in order to equip a pawnshop in a room of 40 square meters, we will need at least 17,000 dollars. This amount included: renovation of the premises in which the pawnshop was located, purchase of new office equipment and furniture, purchase of special equipment, a safe, accounting programs, ordering and printing of promotional materials, purchase of necessary tools and reagents for the appraiser, etc. Also, do not forget that you must have available funds, which will be issued as a loan in the future. In our case, opening a pawnshop cost 350 thousand dollars, of which 17 thousand were spent on repairs and technical issues, and 333 thousand was money for loans.

Any business has monthly expenses, and our pawnshop, opened in Moscow, is no exception. Such expenses may include:

• Renting premises. Based on the calculation of 200 dollars per square meter, the monthly rent is $8,000.
• Employees' wages. In our pawnshop, the director and 4 appraisers working in shifts received a salary. In total, $10,000 was spent on salaries per month.
• Security is an important component of pawnshop operations. You will work with precious metals, with large sums of money that are stored in the pawnshop premises. Therefore, you need round-the-clock, high-quality and reliable security. In our case, all the necessary protective equipment cost $5,000.
• Other expenses. Pawn shop advertising, collateral insurance, administrative and accounting activities – $6,000.

As a result, the pawnshop's monthly expenses amounted to $29,000.

Next, an analysis of the rates of all the largest pawnshops in Moscow was carried out, and it was found that it was about 10%. Taking this rate as a basis, and adding the constant costs of operating a pawnshop, it was determined that it was necessary to issue loans of at least 350 thousand dollars per month. It is this amount that will allow the pawnshop to operate without a loss.

It’s not hard to guess that in order to make a profit, you need to issue loans in the amount of more than 350 thousand dollars per month. you can use this method, and calculate the required amount for your specific case.

Next it was calculated required amount borrowers, and the average loan amount. Based on the initial investment and monthly costs, it was determined that 30-40 people should become clients of the pawn shop every day, and borrow from 170 to 340 dollars. In order to reach self-sufficiency, a pawnshop, on average, needs up to six months. Of course, a lot depends on your initial investment and monthly costs. Also big role The location where the pawnshop will be located, your customer attraction policies, advertising activities, etc. play a role. There have been cases when, in the second month of activity, a pawnshop already paid for itself, and in less than six months made a profit.

In our case, a pawnshop in Moscow completely paid for itself in 5 years.

Next stage: pawnshop registration

So, with legislative framework you have read it, and now you clearly understand what you will have to face as a result of opening a pawnshop. We also calculated the economic component of your future business, and realized all the risks and difficulties, if any. Everything suits me? If yes, then you can move on to the next stage - registering a pawnshop. Let's take a step-by-step look at what and how to do to officially register your pawnshop.

1. First you need to choose a form and type of activity. You can open a pawnshop like individual entrepreneur, but in this case you may encounter a number of problems and difficulties. Many experienced businessmen advise immediately registering an LLC and linking your pawnshop to it. The list of required documents and the LLC registration process can be found on the official website of the Federal Tax Service - nalog.ru

When registering an enterprise, you will need to indicate the type of future activity (KVED). Among hundreds of different KVEDs, you need to choose the following:

• provision of short-term loans by pawnshops secured by movable property (65.22.6 OKVED);
• provision of valuable storage services (67.13.5 OKVED);
• provision of information and consulting services (74.14 OKVED - consulting on enterprise management and commercial activities).

1. After state registration, you must register the pawnshop with the federal financial monitoring service. You are given no more than 30 days for this procedure. To register, you will also need to collect a certain package of documents. More detailed information can be found on the website of the federal service.
2. If you plan to work with precious stones and metals, and this is what the vast majority of pawnshops work with, then you still need to collect documents and register the pawnshop with the Assay Office. This is done in accordance with the Order of the Ministry of Finance Russian Federation No. 68n dated August 29, 2001
3. Also, do not forget that all things accepted by you as collateral must be insured. The next step is choosing an insurance company and signing with them all the necessary contracts for the provision of property insurance services. Insurance is provided exclusively at the expense of the pawnshop, and it is prohibited to force the borrower to pay for insurance.

The insurance agent of the selected company will tell you in more detail about the insurance process.

The right location is the key to successful pawnshop operation

If you are planning to open a pawnshop, you must understand that right choice location is a guarantee successful work. The potential profit, the period of reaching self-sufficiency, and the prospects for the development of your business depend on where your pawnshop is located. When choosing a place for a pawnshop, follow simple but very important rules:

• The pawnshop premises should be located on the first line. The ground floor or basement, accessible by a convenient staircase, is perfect for this. Do not rent premises deep in courtyards, on impassable streets, where you cannot find the pawnshop you need during the day.
• The place should be crowded, lively, with a large flow of people. The example we described above showed that to be profitable, a pawnshop must issue loans to 30-40 people a day. This can only be achieved through a good location in a crowded area.

• The most convenient places for pawnshops are located nearby metro stations, stops public transport, in densely populated residential areas.
• To avoid problems with regulatory authorities, choose a room that meets all SES and fire service standards. You do not need unnecessary checks and fines at the very beginning of your activity.

The final stage: starting the pawnshop

So, you have figured out the legislative framework that regulates the activities of a pawnshop, calculated the economic benefits of this type of activity, looked at and assessed the premises for a future business, collected Required documents, and have already started the registration process official activities pawnshop. And now the final stage is the beginning of work. There is very little left, after which you can tell everyone - I am the owner of a pawnshop. So, you need:

• Select qualified personnel, the number of which is determined based on the size of the pawnshop, the number of services you plan to provide, and the jewelry you want to work with. If you plan to work with precious stones, then you need a specialist appraiser, or technical means, which determine the value of the stone, its carat content and purity.
• Choose the optimal work schedule. Of course, it is ideal for the pawnshop to be open 24 hours a day. If this cannot be done at the initial stage, then great schedule– from 11 to 23. As a rule, there is no point in starting work in the morning, because few people apply for a loan as soon as the sun rises.
• Next, we enter into an agreement with a security company that will provide a wide range of services. Keeping a security guard on staff is inappropriate. It is much more profitable and better to cooperate with a professional security company, have surveillance cameras and a panic button.

• Don’t forget that you need to develop internal documentation: operating regulations for the pawnshop, internal regulations, employment contracts with personnel, agreements for issuing loans, etc.
• We live in a technological time when business activities are greatly simplified with the help of various gadgets and programs. Therefore, buy special software for pawnshops, which will help you keep accounting records faster and more accurately, calculate potential profits, and tell you when and how much to pay taxes.

That's probably all we wanted to tell you. Now you know, how to open a pawnshop, what stages you need to go through, and what to pay attention to first.

A crisis entails the formation of various problems, and a lack of financial resources- one of them. This difficulty is relevant for Russian and other companies. The problem has not spared our citizens, our compatriots, who are in need of funds. What to do in this case, because taking into account obtaining a long-term loan is not always relevant, but money is needed here and now. Of course, in such a situation, the idea arises of contacting a specialized organization - a pawnshop, which is ready to provide the necessary money for the required period.

People who decide to open their own business often think about starting their entrepreneurial activity with a pawnshop. Moreover, this idea from scratch can lead to good income. The profitability of this activity often reaches 40%, which is good for this type of organization.

The essence of the work

It cannot be said that running a pawnshop is simple and calm. In fact, a business owner will have to solve a lot of organizational issues, as well as do a lot of paperwork, which forces many entrepreneurs to abandon the venture in favor of another business.

Note: The difficulties of this business lie in the peculiarities of the legislation and the need to comply with certain requirements, otherwise disobedience is fraught with serious fines.

In order to avoid these difficulties, it is worth taking into account all the requirements and subtleties imposed by the state for conducting activities.

The work of an organization of this type is based on the fact that it provides a financial loan without guarantors and the need for a certificate of income. Property is taken as collateral. There is no specific division of activities into types. When analyzing the domestic market, several main formats of activity can be noted:

1. Specialization in working with jewelry and other metals. In terms of the type of activity, it is more similar to accepting jewelry than to a pawnshop, since the client does not have the right to take his things back.
2. Automotive establishments, when the collateral is a vehicle.
3. Reception of jewelry and household appliances.

According to current legislation, this business has several definitions and subtleties of business that are taken into account:

1. A pawnshop is a commercial organization engaged in issuing loans secured by collateral and storing other people's property. Apart from these functions, they are not entitled to perform others.
2. The loan office is obliged to insure the property transferred by the client as collateral.
3. The main obligation of the organization is to assess the value of the property that was pledged.
4. Upon issuance of a pledge by an institution, it is necessary to conclude a corresponding agreement indicating necessary conditions transactions.

The pawnshop assesses the value of the property pledged to it

Thus, a pawnshop as a business is a very interesting and promising area, but it requires special time and financial costs for development. With a competent approach to carrying out activities, you can get colossal results and earn money. large sums funds over a short period of time.

The problem of lack of financial resources is relevant at any time and in any country. However, during economic crises it becomes especially acute. Both enterprises and the population face it. And if a legal entity, having collateral property, can apply to a bank for a loan, then the average citizen cannot count on a short-term loan. Especially if funds are needed not to make a major purchase, but to satisfy basic needs. This is where the idea arises of contacting a pawnshop, which can quickly provide the required amount for a short time.

The business idea of ​​opening a pawnshop from scratch is very profitable and relevant for any country, regardless of the level of development. Pawnshops become especially popular at a time of weakening of the banking system and reduction in production. In this business plan we will look at all the intricacies of this business.

The initial investment amount is 4 017 860 rubles

Break-even point is reached on the third month of work.

The payback period is from 12 months.

2. Description of the business, product or service

A pawnshop is essentially a lending institution. It issues loans secured by property that has a certain value: gold, digital equipment, household products.

Pawnshops make money on interest. The citizen brings his deposit and receives an amount for it (from 25% to 90% of the cost). Maximum term payments - 30 days. As for loan rates, they vary from 4% to 25%.

The interest rate is set for each day the loan is used, including the day of collateral and the day of redemption. For redemption, re-pledge and partial repayment, the pawnshop provides a discount on the interest rate.

Let's consider the average interest rates for a standard pawnshop located in a city with a population of one million.

For loans secured by gold products:

The base interest rate is 0.4% per day (146% per year).

The interest rate taking into account the discount depends on the amount of the one-time loan (the discount is provided for redemption, re-pledge and partial repayment).

For loans secured by digital equipment and other household products:

For deposits for 1 day:

The base interest rate is 0.458% per day (167.170% per year).

Pawnshop opening hours: daily from 10:00 to 22:00, seven days a week.

3. Description of the sales market

In order to provide quality service to the client, it is necessary to understand who exactly uses the services of pawnshops.

The target audience is people with average incomes. As a rule, their money is enough for a normal life (otherwise there would be no collateral), but any unforeseen situation unsettles them. These are people who are in difficult situations. life situation, but expecting to solve it in the near future. Clients pawn items with the initial expectation of redeeming them in the future.

Also, a significant percentage of visitors are young entrepreneurs who need capital to develop their business.

There is a relationship between the demand for pawnshop services and the economic situation in the country.

Thus, during crises and a decline in the average standard of living, the population and business increasingly begin to use loans secured by their own property. After the 2008 crisis, the number of pawnshops in Moscow doubled.

However, crisis periods are very dangerous for pawnshops. The population is rapidly becoming poorer and is no longer buying pawned products. Pawnshops become overstocked with gold and there is no one to sell it to.

4. Sales and marketing

5. Production plan

Let us outline the main stages of launching a pawnshop.

1. Business registration procedure

• registration with the Federal Tax Service;
• registration in Federal service financial monitoring;
• registration with the Assay Office;

2. signing a lease or purchase/sale agreement for premises;

3. carrying out repair work;

4. installation of equipment, video surveillance systems, signs;

5. recruitment;

6. marketing activities, promotion.

Registration

To register a business, the only acceptable organizational and legal form is the formation of a full society; an individual entrepreneur (individual entrepreneur) cannot be used. As a rule, pawnshops are registered as a limited liability company. Then you need to go to the tax office to register. A specialist from this service will tell you what documents are needed for the legal activities of the established institution.

After completing the registration procedure within a month, you must register with the Federal Service for Financial Monitoring, then with the Instrument Chamber.

Insurance

Opening a pawnshop does not require a license. But the items you accept as collateral must be insured. According to current legislation, the insurance procedure for each accepted item is carried out at the expense of the entrepreneur. In order not to insure each item separately, insurance is required for a certain amount, which will make it possible to cover debt obligations to the client.

Selection and preparation of premises

When choosing a location, focus on the points with high level traffic or densely populated areas. You can rent a room in a residential multi-storey building on the ground floor, basements are acceptable. Ensure compliance with fire safety rules and SES requirements.

When preparing the site, pay special attention to safety:

• installation of metal gratings;
• bulletproof glass on shop windows;
• metal doors;
• security call button;
• alarm installation.

There is no need to spend a lot of money on renovations and expensive furniture. A pawnshop is a place where a needy person can quickly get a certain amount of money, so elements of luxury are inappropriate.

The office must contain a sign with prices for all services provided, a place for clients to wait, and a convenient work area for staff.

6. Organizational structure

First of all, you need to start looking for qualified specialists who will consult customers and sell your product. It is best to search for employees through specialized portals, as they provide access to resumes, reviews, and other useful information. You can limit yourself to bulletin boards (for example, Avito). You will also need a cleaner and an accountant; you can search for them both on paid sites and on free resources (groups on social networks).

The staffing of the average pawnshop is small and has the following composition:

1. Supervisor;
2. Appraiser - 2 people;
3. Seller - 2 people;
4. Accountant;
5. Cleaning woman.

And the functions they perform must correspond to reality. Failure to comply with these rules results in hefty fines.

• Accountant: keeps records of financial transactions, takes inventory of the pawnshop's property, compiles and analyzes calculations of costs and revenue from the business, maintains reports, prepares data on tax payments, and carries out other instructions from management.
• Appraiser: evaluates customers' products, analyzes information to determine the value, draws up and maintains reports on the evaluation process, informs customers about the reasons for reducing the amount in case of defects or for other reasons, monitors market offers for the goods being valued, draws up a product purchase agreement, provides it to the public information about pawnshop services, prices, and the procedure for paying collateral.
• Salesman: informs customers about the assortment, features and defects of goods, formalizes the sales procedure, keeps records of finances, completed transactions, conveys comments and wishes of customers to management, monitors compliance with sanitary and technical standards for the functioning of the store, is responsible for the safety of pawnshop inventory, and replenishes supplies of consumables.

7. Financial plan

Investments in opening a pawnshop are as follows:

The idea of ​​how to open a pawnshop is very timely in difficult times: during such periods, people rethink their needs and begin to give up unnecessary things, primarily luxury items. Business will flourish in well-fed years: then thrifty owners will get rid of boring things in order to use the proceeds to partially pay for new ones. Another advantage of pawnshops is that they are not interested in credit history, which is also important for a certain category of people.

Where to begin

Departmental portals tell you in detail what documents are needed to register a pawnshop. Here step-by-step instruction for those who want to open a pawnshop from scratch:

1. Finding a room with good traffic, but safe, because... the company bears financial responsibility for the safety of the collateral property, and it is spacious - at least 50 sq.m., in order to have space for storing things;
2. Registration with the tax service as a legal entity;
3. Registration with the State Financial Monitoring Service;
4. If you intend to work with precious metals, then you need to register yourself with the Assay Office Inspectorate of the Assay Office.

State Financial Monitoring Supervises the movement cash flows. It helps to check the client and, if necessary, his credit history. The department must be informed of all transactions the amount of which exceeds 600,000 rubles.

You will also have to contact the Fire Inspectorate and SES.

Room equipment

The price list for services is displayed on a glass stand placed at the eye level of a person of average height. Copies of all permits are prepared in the same way.

A pawnshop definitely needs:

• double doors;
• special lock;
• signaling;
• alarm button;
• special bars on windows;
• bulletproof glass;
• safe;
• covering the walls with gratings made of eighteen-millimeter rods, etc.

The design of the operating room is strict and businesslike.

When accepting scrap precious metals, you must purchase from the Assay Office:

• a complete set of appropriate instruments, reagents and consumables;
• electronic jewelry scales.

Naturally, you will need a computer, a printer, and the Pawnshop program (its analogue). A fiscal registrar (FCR) is not needed if strict reporting forms are used.

Financial component

A license is not required to operate a pawnshop, and what is needed most of all is a significant financial investment for its opening and operation.

How much money you need to open your own point depends on its location and area of ​​work and the city of work; to open a pawnshop in Moscow, of course, you will need to invest more money. Opening an average pawnshop in a residential area in the regional center will cost 800,000 rubles. A detailed breakdown of costs is given in the table.

Start-up costs:

Financial indicators:

• the average monthly turnover of the establishment is 300,000 rubles;
• the average amount issued is 10,000 rubles;
• profit, consisting of interest received and scrapping gold, is 50,000 - 70,000 rubles per month;
• payback period – 2-3 years.

For this business to flourish, it is necessary to constantly increase the volume of loans issued by at least 200,000 rubles monthly. Income will grow proportionally. A successfully operating pawnshop has a minimum balance of collateral in the amount of at least 1,500,000 rubles, and the share of unredeemed property is up to 20%.

Risk of loan non-repayment pawn business is compensated by the low value at which the collateral is initially accepted: the estimated value of the collateral, i.e. The ratio of the real price of an item to the amount of money given for it ranges from 80 to 50%.

Competition

The business is so successful that chain pawn shops have appeared. They offer more profitable terms customers and occupy the most promising sales points, gradually displacing individual entrepreneurs.

During periods of crisis, the level of competition in this area increases sharply. In addition to the struggle for the client between the pawnshops themselves, you need to take into account the work of various microfinance organizations. They offer a similar service (short-term loan for a small amount under high percent), but do not require collateral.

Features of business functioning

Pawnshops are rarely interested in the client’s financial reliability – his credit history, income. Transactions are processed only using a passport. The exception is car pawnshops, which also need documents for the car to conclude contracts.

Pawn shops cannot repair or clean jewelry. However, if you register another legal entity with the corresponding line of activity, it will perform all the necessary work. The pawnshop will provide the raw materials, and a colleague in the holding will ensure its restoration and facilitate its sale.

There is practically no seasonality in the pawnshop business, but turnover increases by 10% before and after the holiday season and holidays.

Often points have their own specialization - jewelry (70% of collateral), electronics and Appliances(10%), auto pawnshops, furs, securities (15%), etc. Having a specialist allows you to more accurately evaluate an item so as not to overpay for it.

Car pawnshops

Auto repair shops or parking lots often use cars as collateral. For business you need:

• Production base - service station - for competent assessment of the condition of the machine and pre-sale preparation in case of refusal;
• Secure parking for 30-40 cars;
• A large amount in circulation, because On average, you will need to loan about 250,000 rubles for each car.

Furs

To work with furs, you need a specialist who can reliably evaluate the item: identify the fur and its quality. Information on the label and receipt may be incorrect.

To store fur coats you need a refrigerator.

Jewelry

Jewelry is accepted as scrap:

• the serviceability of watch mechanisms is always questionable;
• To determine the quality of stones, a highly qualified specialist is needed.

Determining the weight of a precious metal and its purity is much easier. Unclaimed scrap is sold to jewelers.

Specialized enterprises work with antique and highly artistic products.

Let's sum it up

If the outcome is unsuccessful, a pawnshop in Moscow can be sold for 1-3 million rubles, i.e. actually at cost. Returning all the money invested in case of failure is also a good result, because for some time the enterprise was profitable.

Whether it is profitable to open a pawnshop, time and practice will tell. People with an entrepreneurial spirit have a profitability of about 30-40%. According to unofficial professional statistics, about 40% of such enterprises are constantly teetering on the brink of collapse. At the same time, the same number of newcomers enter the market. Conclusion - business with a competent approach is very profitable.

Video: interview about the secrets of success from the owner of a pawnshop chain