Pawn Shop 5 Year Business Excel Financial Model
Originally published: 13/04/2018 17:39
Last version published: 04/03/2019 07:48
Publication number: ELQ-37757-5
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Pawn Shop 5 Year Business Excel Financial Model

Enter assumptions directly related to the startup and operation of a pawn shop in order to see up to 5 year projections.

There are two main revenue drivers in a pawn show and both are included in the logical assumptions within this financial model.

The first is buying and selling. This is where the pawn broker decides to give money to people in exchange for items of some value. Based on the cost and sale price, there is some margin there.

For this first logical scenario, the inputs have been designed for up to 20 categories. Each category has 3 defined average value levels so you can estimate the count of sales of items for each pricing level per category.

You can also define your expected margin on each product category as well as the average expected daily sales of each category (decimals aloud). Finally, you are able to enter an annual sales growth rate for each individual category and that will increase your sales each month accordingly.

In each revenue category, you can pick the month you plan on starting to sell such a category. This makes ramping up and scaling a lot easier to plan with the ease of dynamic inputs.

The second part of a pawn shop is giving out a loan while holding an item for collateral. This generates various amounts of interest income and is secured by the value of the item. The same 20 categories are applied to this logic and you can enter assumptions for the number of loans given per month by category as well as the average value of those loans and the average annual interest rate.

You can also define a given month that you will start doing loans for various categories.

These revenue assumptions all come together on a monthly and annual pro forma as well as aggregate in an executive summary.

On the cost side, you have the COGS that will populate per the margin assumptions.

Then, you have regular monthly expenses that can start in any month entered and change over the course of 5 years. There is also one-time startup costs and one-time capex assumptions.

For the startup costs, you can enter a month that defines how much inventory you plan on buying before operations begin. For cash flow purposes, that money will be added back into the net cash flow for the amount of months you plan to buy inventory for.

Lots of charts and visuals are built and you will see IRR and ROI figures.

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Further information

Allow for a 5-year forecast to automate based on entered assumptions.

A pawn shop / broker startup.

A non re-selling business.


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