We open a pawnshop from scratch: documents, costs, legislative framework. How profitable is it to open your own pawnshop and what is needed for this?

The best form of ownership for working with credit funds on a small scale is an LLC. When registering a business, you need to understand that the pawnshop itself only has the right to issue loans and store the pledged movable property.

To sell unredeemed items, you need to open an enterprise operating in the field of trade.

Basic laws regulating your activities: “On pawnshops” and “On consumer credit (loan)”. They describe many of the nuances of the work of these enterprises, so it’s definitely worth reading. For example, the client’s property is subject to mandatory insurance on your part during storage.

When registering an organization, we indicate OKVED codes:

• 74.14. – “Consulting on commercial activities and enterprise management”;
• 65.22.6. – “Provision of short-term loans by pawnshops secured by movable property”;
• 67.13.5. – “Providing services for storing valuables.”

You need to submit documents and register with the Federal Financial Monitoring Service. If you accept precious metals, then also in the assay office. No licenses are required to operate.

The organization must have the word “pawnshop” in its name. The remaining words are at the discretion of the owner. Ideally, the name should consist of two or three words and inspire confidence and a sense of reliability.

Specialization

Many people are tormented by the question “Is it profitable to open a pawnshop now?” An organization that issues loans is always profitable with the right approach.

At the initial stage, decide on the specialization of the enterprise, that is, what will be taken as collateral. The most common items are jewelry, antiques, cars, household appliances and electronics. Each category has its pitfalls.

Auto pawnshop

To avoid problems with a stolen or incorrectly cleared car, you need to establish contacts with the traffic police and carefully check each client.

Jewelry

The main risks are stolen valuables and incorrect valuation of property. An experienced appraiser and good equipment are required to distinguish gold from ordinary gold-plated metal, identify the actual sample, and determine the current market price of the product. You should not give loans to frankly dubious individuals.

Technology and electronics

Such property can break down, become obsolete, and fall in value. The appraiser must have a good understanding of electronics and market trends. For equipment, it is not recommended to give a loan for more than a month.

Antiques

There are more difficulties with storage and valuation compared to other property. It takes a lot of space and a highly qualified merchandiser not to be deceived about the true value of the product. You can protect yourself from such risks with the help of insurance.

In Russia, the most popular pawn shops that accept jewelry are, and universal, working with any property at their discretion in order to receive the maximum number of clients.

Pawn shop premises

Ideal place– a residential area near the city center. It should be located near bus stops, major roads, shopping centers, markets, on the ground floor or in the basement of an office building or residential building. A bright and clear sign is required to attract attention.

The area of ​​the premises depends on the specialization of the pawnshop. A universal one will require 50-100 square meters, working with precious metals - no more than 40 square meters. m. On average, this figure is 60 sq. m. m.

Rent is about $400 per month, repairs and furnishings are about $1,000. There is no need to show off expensive furniture and renovations; the modern client trusts a neat office with simple furnishings.

The premises are divided into two parts - an office and a warehouse. Special requirements are placed on the security system.

You need a metal door, a reliable lock, an alarm system, a panic button, a fire safety system, and an emergency exit.

Pawnshop equipment

Here is a list of equipment and tools for a universal pawnshop that takes gold and electronics as collateral:

1. Laboratory scales (the most famous and reliable from the brands A&D, Acom, Sartorius, Gosmetr);
2. Tools (touch stone, needles, magnifying glasses, etc.) and reagents for testing gold products (Ultramag, Klio, CAVALLIN);
3. Diamond detector (Diamond Selector, PRESIDIUM);
4. Stands for mobile phones, audio testers, headphones, adapters, adapters, batteries;
5. Safe (well-known and not too expensive brands Aiko, Valberg);
6. DVR with Internet connection (Ritmix, Swo-Me, SJCAM);
7. Office equipment – ​​computer, printer, telephone;
8. Furniture – table, chairs;
9. Warehouse racks.

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 are step-by-step instructions 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.

Gosfinmonitoring supervises the movement of 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%.

The risk of non-repayment of a loan in the pawnshop 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 favorable conditions to 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 at a high interest rate), 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 require 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 the collateral), electronics and household appliances (10%), car 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 clock 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

A pawnshop is a type of business that is distinguished by its specifics, and an entrepreneur needs to have a good understanding of the activities of such establishments to operate successfully. During a crisis, people more often turn to a pawnshop to get the funds necessary for life or to pay off loans and debts.

Therefore, the turnover of pawnshops is increasing, and at the same time the number of establishments opening is growing. According to statistics, up to 200 such organizations are registered annually in Russia alone. How to open your own pawnshop from scratch? The answer is in this article!

A pawnshop is an institution that issues loans to the public secured by valuable property of the client for a certain period. The interest rate on the use of cash by clients is set independently by the pawnshop (in Russia it is prohibited to exceed 25%).

The advantages of opening a pawnshop are accessibility and high profitability. It is impossible to answer unequivocally whether it is profitable to open a pawnshop. This is influenced by a number of factors:

• selected location for the pawnshop;
• rent amount;
• advertising effectiveness, etc.

A pawnshop located in a busy place with high traffic (next to hypermarkets, shops, shopping centers) can count on more successful activities, although this is not a guarantee of a stable income.

The location in the center has disadvantages:

• high rent;
• more competition;
• When deciding to pawn an item, a person tries to find a pawnshop not far from home.

It is necessary to determine for yourself the type of activity and find out how relevant the services offered are. Before organizing a pawnshop, you should study the necessary costs, take into account the risks and the amount of possible income. Drawing up a business plan with preliminary calculations will allow you to estimate the amount of investment and the payback period.

The greatest liquidity is represented by jewelry, but clients often pawn furs and household appliances. Storing clothes is fraught with certain difficulties, and household appliances quickly become obsolete and lose their value.

Choosing premises for a pawnshop

It is not always the case that premises located in the city center bring more profit than those located in a residential area. It is recommended to choose a pawnshop on the first or ground floor (the entrance from the courtyard is not suitable).

The room (area from 40 m2) must meet the requirements of the sanitary-epidemiological and fire services.

It should be noted that a pawnshop that issues loans secured by antique items or equipment requires a separate room where things will be stored. A car pawn shop requires a parking lot and, as a result, the cost of renting it will increase.

Before opening a pawnshop, you should prepare the following documents:

• cash book;
• job descriptions;
• employment contract forms;
• order of prices for gold;
• order on the size of bets in a pawnshop.​

An additional amount (10 million rubles) is needed to provide loans to clients. Monthly expenses will be:

How to open a pawnshop— The popularity of this search query is due, first of all, to the economic feasibility of the pawnshop business, which has been repeatedly confirmed in practice. Read everything about the procedure for registering a company for pawnshop activities - from choosing a name to property insurance - in this article.

What you need to study before opening a pawnshop: preparatory work

The pawnshop business is one of the most difficult segments of entrepreneurship from the point of view of legislative regulation. In particular, this is where the maximum number of requirements and restrictions are concentrated, non-compliance with which is fraught with large fines, and in some cases, criminal liability.

What is a pawnshop?

Before deciding how to open a pawnshop, you should understand what it is. According to Article 2 of the Law “On Pawnshops” dated July 19, 2007 No. 196-FZ, a pawnshop is a specialized commercial organization whose main focus is providing loans and storing things.

At the same time, the norm clearly states the organizational and legal form of a pawnshop - it is only a legal entity. That is, an individual entrepreneur cannot engage in pawnshop activities. In the vastness of the global network, you can often find directly opposite information, however, any statements that an individual entrepreneur has the right to open a pawnshop are a priori erroneous or false - the law is the same for everyone.

But there are no special requirements for the form of ownership of a pawnshop - it can equally be either a limited liability company or a joint stock company. The main thing is that the organization is commercial, that is, its main goal is to make a profit.

IMPORTANT: Forms of ownership of legal entities are listed in Article 50 of the Civil Code of the Russian Federation, from the content of which it is clear that various consumer cooperatives, partnerships, self-regulatory or public organizations, associations, communities, funds, etc. are non-profit organizations, that is, create on their basis pawnshop is not allowed.

Types of pawnshops

The answer to the question of how to open a pawnshop directly depends on the choice of the type of future organization. In other words, a lot depends on the items of collateral and storage - whether it will be products made of precious metals, equipment, cars, etc.

There are restrictions on this matter, and all of them are stipulated in paragraph 3 of Article 2 of the Law “On Pawnshops,” which allows any movable property as collateral, with the exception of things prohibited or limited in civil circulation.

IMPORTANT! Issuing loans secured by real estate is the prerogative of banks. Of course, such advertisements from organizations positioning themselves as pawnshops can be seen in various information sources, but they are illegal.

How to open a pawnshop, do you need a license for this - the most popular questions asked by those who want to organize a pawnshop business. The answer is clear: a license is not needed. All types of business activities subject to licensing are reflected in the law of the same name dated May 4, 2011 No. 99-FZ, and pawnshops are not among them.

Basic requirements for owners and managers

The relevance of the question “How to open a pawnshop?” for those who have an existing criminal record for crimes in the economic sphere or against state power, it is postponed until the criminal record is expunged or removed - Part 1 of Article 2.2 of the Law “On Pawnshops” prohibits such persons from being among the founders or shareholders of a pawnshop.

The same applies to citizens who were brought to administrative responsibility less than a year ago, provided that disqualification was imposed as a punishment.

How to open a pawnshop: step-by-step instructions

In essence, the procedure for opening a pawnshop as an organizational stage of starting a business comes down to registering a legal entity. However, due to the specifics of the chosen type of business activity, this will require a significant amount of time, the lion’s share of which will be taken up by collecting and processing documents.

Stage 1: choosing a name

Clear legislative requirements begin to apply already at this stage: according to Part 2 of Article 2 of the Law “On Pawnshops”, the company name must contain the word “pawnshop” and a reference to the organizational and legal form (for example, limited liability company “Pawnshop “Silver Hoof” ").

Stage 2: determining the form of ownership

The law does not prohibit registering a pawnshop in the form of a joint-stock company, but from the point of view of expediency, it is better to choose a limited liability company (LLC). In addition, the principle of operation of an LLC is closer to the structure of pawnshop activity - it makes sense to open a joint stock company for business related to production, since it is in this segment that third-party investments are of great importance.

Another argument in favor of LLC is the relative simplicity of establishment. To open a JSC, a preliminary issue of shares, their registration, etc. are required, while an LLC does not imply any such conditions.

Stage 3: Determining the address

To register a company, a legal address is required. This can be either rented premises or owned by the founders.

IMPORTANT: if to open most legal entities it is allowed to use the place of residence of one of the company participants as the address, then in the case of a pawnshop this is impossible. That is, you will have to worry about finding a suitable room.

Stage 4: preparation of documents for registration of a legal entity

1. Selecting an activity code.

From 01/01/2017, OKVED codes were updated. From this date, the activities of pawnshops providing short-term loans secured by movable property correspond to code 64.92.6. IMPORTANT! To sell pledged and not redeemed property on time, it is necessary to create an independent legal entity - if necessary, this is possible with the same participants. But the pawnshop itself cannot engage in trade in any form.

1. Making a decision to establish a company (LLC).

If the future pawnshop has a single participant, the decision is made individually, if there are several, based on the results of the meeting of founders. In any case, such a decision must reflect the following points:

• name of the company (pawnshop) - full, short, foreign language (the latter is mostly relevant for companies opened in constituent entities of the Russian Federation that have their own language);
• legal address and location (actual address);
• amounts and methods of contribution of the authorized capital;
• approved charter of the company;
• information about the manager and his appointment (the manager can be either one of the founders or a hired employee).

1. Preparation and drafting of the charter.

The requirements for the organization's charter are set out in Article 52 of the Civil Code of the Russian Federation. Since 2014, there is no need to enter information about the location of the company and other data that must be reflected in the Unified State Register of Legal Entities. The main attention is paid to the presence in the charter of data on the purposes of creating the company, the structure and size of the authorized capital, as well as the principles of the organization’s activities and the procedure for its liquidation.

1. Formation of authorized capital.

The minimum amount of authorized capital is 10,000 rubles. Since September 2014, it can only be deposited in cash; Contribution in the form of property is allowed only to the extent that exceeds the lower limit.

Stage 5: registration of a legal entity

At this stage, everything is also standard so far - the procedure boils down to submitting an application in form P1 1001 to the tax office at the location of the legal address, paying a state fee (4,000 rubles) and providing all previously collected documents in bound and numbered form.

IMPORTANT: the application is signed by all founders of the company in the presence of a notary.

The application review period is 3 business days. If the Federal Tax Service employees do not have any questions, after the specified time the applicant will receive a package of documents:

• certificate of state registration of a legal entity;
• tax registration certificate;
• a copy of the charter with a registration mark;
• extract from the Unified State Register of Legal Entities.

At this point, the registration of the company is completed, but the question of how to open a pawnshop - what documents are needed, still remains relevant. The collection of these documents should begin immediately after registering the newly formed LLC with the Pension Fund, as well as with the Social Insurance Fund - these are mandatory conditions for all companies, regardless of the type of business activity.

Stage 6: registration with Rosfinmonitoring

Within 30 days after registering a pawnshop, it must be registered with the Federal Service for Financial Monitoring.

To do this, you will need to submit a complete package of documents to the territorial division of Rosfinmonitoring, including:

• card of registration as an organization carrying out transactions with funds and other property;
• copies of constituent documents;
• copies of documents confirming the right to the premises in which the pawnshop is located (lease agreement, certificate of registration of ownership);
• certificate of presence of a manager and chief accountant in the organization;
• certificate of availability of a special guarded premises for storing collateral;
• a certificate confirming the existence of internal regulations regulating the activities of the pawnshop;
• certificate of availability of equipment for recording information and funds, as well as for property valuation;
• financial statements at the time of commencement of business, prepared in accordance with accounting standards.

From the list of documents required for registration with Rosfinmonitoring, it follows that simultaneously with registering a legal entity, you need to take care of drawing up special provisions, equipping premises, installing alarms, software, etc.

Stage 7: registration with the Assay Office

This stage is relevant for pawnshops planning to accept products made of precious metals and stones as collateral. The requirement for registration is stipulated by the Instruction on the procedure for recording and storing precious metals, approved by Order of the Ministry of Finance “dated December 9, 2016 No. 231n.

To register, you must submit a corresponding application, a certificate of availability of specially equipped premises, and also confirm compliance with the requirements for training and education of personnel accepted to work with precious property.

IMPORTANT: the confirmation format is constantly subject to changes, so it is better to clarify this procedure immediately before registration. Updated information is available on the official Internet resource of the Russian State Assay Office under the Ministry of Finance of the Russian Federation.

Stage 8: property insurance

Property stored in a pawnshop is subject to compulsory insurance in favor of pledgors - in case of loss of valuables, their destruction, etc. The choice of an insurance company can be made at your own discretion - the law does not contain any restrictions in this regard.

For reasons of convenience, it is best to take out insurance for the total amount - without reference to a specific item, otherwise you will have to enter into a separate contract for each item of collateral, which is not always technically possible.

The insurance stage is the last stage of opening a pawnshop. This will be followed by various organizational issues related directly to the business, and not to its establishment: recruitment and training of personnel, approval of the work schedule, etc. By the way, the schedule may be free, but there is still one requirement of the law - opening a pawnshop is not earlier than 08:00 and closing no later than 20:00.

How to open your own pawnshop from scratch? A question asked by an entrepreneur who decides to open his own business. But, before you start filling out the documentation and finding a place for a pawnshop, it’s worth drawing up a business plan and calculating how quickly the investment will pay off.

There cannot be a definite answer to this question, since it is necessary to take into account a number of factors that directly affect the profitability of a business, in particular:

• location of the pawnshop - it is advisable to locate the enterprise in areas with high traffic of potential customers;
• cost of rent - the higher the monthly payments, especially at the initial stage, the more difficult it is for an entrepreneur to recoup his costs and start making a profit;
• advertising effectiveness - well-organized PR campaigns attract customers;
• competitiveness - the business owner should study the demand for the services of organizations of this type in a particular area and come up with what exactly his pawnshop will be attractive to clients;
• trained staff - if the pawnshop employs unqualified employees, the owner will lose part of the profit due to their mistakes or inability to communicate with customers.

For the owner of a pawnshop, the most difficult period is considered to be the first half of the year from the moment of opening, since at this time the company is just gaining momentum and often operates at a loss. For this reason, more than a third of pawnshops cease their activities at this time. After this period, profits begin to gradually grow; after a couple of years, even a small pawnshop begins to bring its owner about 100-150 thousand rubles monthly.

But even compliance with the above conditions does not guarantee business profitability. For this reason, it is necessary to draw up a detailed business plan, calculate all the costs and risks, then the likelihood of opening a profitable pawnshop will increase significantly.

What do you need to open your own pawnshop?

Before you decide to open a business, you should choose its specialization. So, pawnshops can be of the following types:

1. Auto pawnshop— the organization accepts cars as collateral for issued funds. Such a business is very profitable, but to organize its work you will need additional space to accommodate the machines.
2. Antique— here paintings, expensive fur clothes, ancient souvenirs, rare coins and other things of antique value are accepted as collateral.
3. Technical— here the collateral items are household and other appliances, which the client leaves in exchange for the funds received.
4. Jewelry- the most common type of business. These pawnshops accept precious metals and precious items made from them.

There are often mixed types of pawnshops in which, for example, a client can pawn both a mobile phone and gold earrings. This integrated approach allows you to receive greater profits and attract an increased number of customers.

An entrepreneur, even at the stage of deciding to open a pawnshop, should study the legislative acts regulating the activities of the enterprise:

• Federal Law No. 196, which sets out the main aspects of activity;
• Rosfinmonitoring order No. 203 dated August 3, 2010, which sets out the requirements for education and training;
• Order of the Ministry of Finance of 2001 No. 68n, which lists the requirements for the activities of pawnshops dealing in precious stones and metals.

It is important to take into account that the law obliges pawnshops to apply the OSNO (general taxation system), while the storage of things accepted as collateral is subject to VAT, but the interest received is not. In accordance with this provision, the entrepreneur will be required to maintain tax records for each type of activity.

Step-by-step instruction

The first thing to do at the opening planning stage is to study the market for these services. A businessman should:

• carefully calculate the risks, costs of opening and organizing an enterprise;
• find out how popular pawnshops are in a particular locality and region;
• is there competition, can he offer clients more favorable conditions than competitors.

If preliminary economic calculations suit the entrepreneur, the enterprise should be registered with the official bodies:

1. Register with the tax office as an LLC, indicating the relevant OKVED 65.22.6., 74.14., 67.13.5.
2. Register the pawnshop within thirty days from the date of registration with the Assay Office and Rosfinmonitoring.
3. Insure the accepted items in favor of the pledgors with the selected company providing these services. It is advisable to take out insurance for any amount so that you do not have to insure each item separately.

Selection and preparation of premises

The choice of location should be approached responsibly: a considerable share of success depends on the location. So, the best place for a pawnshop would be a shopping center or a separate premises located in areas with high customer traffic. It is very good if there is a parking lot next to the pawnshop you are opening, and the premises itself will be close to busy public transport stops.

A pawnshop does not need expensive, elite furnishings—it is enough to place good-quality chairs and a table in the customer area, as well as equip a work area. But you should not neglect security - you should install:

• alarm and panic button for quickly calling security;
• metal bars on the windows, where the work and client areas are separated;
• metal doors;
• bulletproof glass;
• video surveillance system.

The set of equipment for work will depend entirely on the preferences of the entrepreneur and the type of pawnshop, but in any case you will need:

• office equipment - printer, computer with licensed software, high-quality Internet, telephone;
• special equipment - to determine the authenticity of products, high-precision weighing equipment, etc.;
• trade equipment - racks, counters, information boards, display cases, tables and chairs for staff and visitors.

Advertising

In order for as many clients as possible to know about the pawnshop, you should not spare money on advertising. First of all, you need to come up with a name for the pawnshop - it should be sonorous, memorable, and not too long. Then you should order an eye-catching sign that will indicate the name and operating hours.

It would be a good idea to order advertising in the media, hire promoters to distribute leaflets, and organize enterprise groups on social networks. An excellent solution is to hold a promotion on opening days, for example: “For first clients, the interest rate is halved!”

Hiring staff

To organize the work of a small pawnshop, a minimum staff consisting of qualified and certified workers is sufficient:

• manager;
• appraiser;
• security guard;
• accountant;
• merchandiser.

Often the functions of several employees are assigned to one employee, but this is best done only if the pawnshop is small, otherwise the employee will not be able to cope with all the responsibilities.

Business plan

When drawing up a business plan, the most important thing is to calculate all costs and expected profitability and profit. Thus, it is advisable to open a pawnshop whose profitability is at least 30%.

When writing a business plan, it is important to consider the initial costs:

• for documentation - 50,000 rubles;
• repair and equipment of the premises - 1,000,000;
• purchase of office equipment and equipment - from 300,000;
• advertising - 150,000.

Initial costs include funds intended for distribution to mortgagors (at least 9 million rubles) and money intended to finance activities until they become profitable (at least 2 million).

You should also take into account monthly costs, which include:

• payment of wages to employees - from RUB 300,000;
• rent - individually, depending on the location of the premises can vary from several hundred to several thousand rubles per square meter;
• hiring security - from 150,000 rubles;
• other expenses, tax deductions - from 200,000 rubles.

To calculate the profitability of a business, you should calculate what percentage the net profit of the revenue received will be. For example, with a million-dollar revenue, the profit is equal to 142,200 rubles, respectively, the profitability of the enterprise will be only 14.2%. In the first months of operation, such indicators are not low, but after 3-6 months they should at least double - this will mean that the pawnshop pays for itself and begins to make a profit.

The average cost of opening a pawnshop will be 12,000,000 rubles, this amount will include:

• funds for issuing loans;
• initial expenses for renovation of the premises, purchase of equipment, furniture, appliances;
• funds to finance activities for the first time.

With an average monthly revenue of 1,000,000 rubles and a net profit of 178 thousand rubles, the pawnshop will fully pay for itself in 84 months of operation.

There is another option for opening your own pawnshop.- acquisition of a franchise. This method will cost the entrepreneur more than opening it on his own, but will save on advertising (as a rule, franchisors provide all marketing materials). The advantage of opening a franchise pawnshop is brand recognition - people who want to get a secured loan more often turn to pawnshops with a famous name. And this fact is a guarantee of ensuring a constant flow of customers.

The main advantages of business are the possibility of rapid development and high demand among the population for the services offered, so pawnshops are becoming increasingly popular as the main type of business activity. With due effort, coordinated and precise work, and a sufficient amount of investment, the pawnshop will begin to generate income that will grow annually after six months from the moment of opening.