The traditional pawnshop, which accepts gold products and other jewelry, today has good prospects only in remote Russian regions - the capital's market of "gold" pawnshops is already saturated almost to the limit. But more innovative formats, such as a car pawnshop or a pawnshop that accepts household appliances, are still not widespread. but it is they who, in case of a successful calculation, can become a real "gold mine" for their owner.
It is necessary
- - constituent documents of the newly formed legal entity;
- - a room divided into a reception area and a warehouse;
- - one or more safes;
- - an agreement with a private security company;
- - several full-time employees.
Instructions
Step 1
Choose a specialization for your pawnshop and then stick to it strictly. Your appraisers will acquire the skill of evaluating items of any particular type much faster and will make much fewer mistakes than if the institution is considered universal and accepts a wide variety of pledges. Pawnshops that issue money on the security of jewelry benefit from the fact that their functioning does not require large storage capacities, while household appliances, or even more so cars, require a specially equipped warehouse or parking lot, and this is an additional item of expenses, and quite large …
Step 2
Register a legal entity with the tax authority by choosing one of several organizational and legal forms (open or closed joint stock company or limited liability company). Licensing of mortgage institutions (this is how it is officially called pawnshops) has been canceled, nevertheless, the registration procedure can take quite a lot of time. It is especially important to correctly indicate the types of activities of your enterprise in the constituent documents - for complete confidence, you should contact a specialized law firm.
Step 3
Choose a location that suits your pawnshop equipment. If a traditional jewelry pawnshop can easily fit on a few tens of square meters, then a full-fledged warehouse should be adjacent to a pawnshop that accepts household appliances. The pawnshop should be located on a busy street, since only regular customers who have already learned about the location of the mortgage institution will not be enough for the profitability of your undertaking. Having received the premises at your disposal, first of all, install reliable metal bars on the windows, purchase several safes and conclude an agreement with a security company for the provision of the "panic button" service.
Step 4
Select personnel to work in a pawnshop - usually two to four people are involved in such institutions. The receiver of orders, who draws up the issuance of a loan and the acceptance of collateral, can be an appraiser in one person, in addition, an accountant must work on the staff. Large pawnshops also employ one or more storekeepers who organize the storage of such pledges as, for example, household appliances. Finally, a specialist in the sale of pledges that were not redeemed on time may work in a pawnshop - the regular structures of pawnshops can differ quite strongly from each other.
