BPlanMaker
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Regular price
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✔ Instant Digital Download — Access your plan immediately after payment
✔ SBA & Lender Approved Format — Built to meet funding requirements
✔ Trusted by Entrepreneurs Nationwide — Used by business owners in all 50 states
✔ Instant Digital Download — Access your plan immediately after payment
✔ SBA & Lender Approved Format — Built to meet funding requirements
✔ Trusted by Entrepreneurs Nationwide — Used by business owners in all 50 states
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Rent-to-Own Store Business Plan Template – Investor-Ready Recurring Revenue
Launch a profitable rent-to-own (RTO) business with a plan built for recurring revenue and lender confidence. From furniture and appliances to electronics and tools, this template maps pricing, renewals, service/repairs, and collections workflows. It references real tools used by RTO operators—Progressive Leasing, Acima, Square POS, Clover POS, and QuickBooks—to help you present a credible, modern operation.
Delivered in Word/PDF, fully editable, and SBA-compliant with a 3-year forecast—so you can model lease terms, same-as-cash promos, inventory turns, and cash flow. Download today, pitch tomorrow. Perfect for banks, credit unions, franchise boards, and private investors.
Fully customizable. Instantly downloadable. Investor-approved.
What’s Inside the Business Plan?
Executive Summary – Concept, market gap, funding ask, milestones.
Products & Services – RTO categories (furniture, appliances, electronics, tools), delivery/setup, repairs, same-as-cash promotions; POS & payments via Square/Clover; financing apps like Progressive Leasing & Acima.
Market Analysis – Credit-alternative buyers, underserved neighborhoods, competitive scan, seasonal demand patterns.
Operations Plan – Intake & underwriting criteria, inventory sourcing, warehousing, deliveries/returns, repair workflow, collections SOPs.
Marketing Strategy – Local ads, referral loops, SMS/email renewals, community partnerships, storefront merchandising & promos.
Management Overview – Owner/manager roles, sales associates, delivery techs, commission plans, vendor relationships, QuickBooks admin.
Financial Forecast – Start-up capital, lease revenue model, charge-off reserves, maintenance costs, cash flow and 3-year projections.
Who Should Use This Plan?
– Entrepreneurs opening a rent-to-own furniture/appliance store
– Retailers adding RTO as a recurring-revenue line
– Franchise applicants needing a lender-ready proposal
– SBA loan or credit-union funding seekers
– Multi-unit operators standardizing SOPs across locations
Why Choose This Business Plan?
Funding credibility, faster launch, lower costs. This template saves you $700+ in consultant fees and delivers instantly in Word/PDF. It’s SBA/investor-ready and includes niche RTO insights—renewal/early-purchase math, collections cadence, repair SLAs, and inventory turn goals—so lenders see a disciplined, scalable model (not guesswork).
Frequently Asked Questions
Does the plan model lease terms, renewals, and same-as-cash promos?
Yes. The financial section shows how weekly/bi-weekly renewals, early purchase options, and same-as-cash promotions affect revenue and cash flow. You’ll see sample term lengths, expected inventory turns, and charge-off reserves so lenders understand the mechanics of RTO income, risk buffers, and how renewal rates compound monthly revenue when executed consistently.
Which systems and brands does it reference for payments and leasing?
To keep your operations realistic, the plan references Square POS and Clover POS for checkout and recurring billing, QuickBooks for bookkeeping, and leasing apps such as Progressive Leasing and Acima to support credit-alternative customers. These references signal to lenders that your storefront can process renewals, track AR, and reconcile deposits without custom development.
Can I tailor it to one category, like electronics only?
Absolutely. The template is fully editable in Word/PDF. You can narrow assortment to a single category—TVs, gaming, laptops—and adjust sourcing, warranty/repair policies, and delivery rules accordingly. The marketing and financial sections remain relevant; simply update conversion assumptions, average ticket, and term length to match your chosen niche.
Is this acceptable for SBA loans or credit-union financing?
Yes. It follows SBA formatting with a clear executive summary, market analysis, operations, and a 3-year forecast tied to realistic renewal rates and inventory turns. It also includes risk notes (service/repairs, returns, charge-offs) and mitigation steps, which help lenders evaluate repayment capacity and operational discipline before issuing funds.
Does it cover deliveries, returns, and in-house repairs?
Yes. The operations plan outlines scheduling for deliveries/pickups, optional service guarantees, and basic repair triage to extend product life and protect margins. You’ll see recommended SLAs, documentation tips, and how to reflect repair parts and labor in COGS so your pricing supports renewals without eroding cash flow over time.
Customer Testimonials
“Submitted this plan to our credit union and closed a $55K start-up line in three weeks. The renewal math and inventory turn targets made underwriting easy.”
— Kevin R., Cornerstone RTO
“We converted our furniture store to include rent-to-own. Using the template, we launched renewals, same-as-cash promos, and Square recurring billing—MRR tripled in 60 days.”
— Alisha W., Home Flex Furnishings
“Franchise application approved on the first pass. The plan looked investor-grade and the 3-year forecast matched the brand’s KPIs.”
— Darnell P., Flex Lease Partners
Open a Rent-to-Own Store That Compounds Monthly Revenue
Every week you wait, competitors capture your clients. This template saves you $700+ in consultant fees and gets you investor-ready in hours, not weeks.
Start selling with a proven business plan investors trust. Don’t waste months figuring it out — download, edit, and launch today.
