Rent-to-Own Store Business Plan Template – Instant Download

Launch a profitable rent-to-own (RTO) store with a plan built for recurring revenue and lender confidence. From furniture and appliances to electronics and tools, this template shows how to price lease terms, manage renewals, and handle repairs without eroding margins.

Delivered instantly in Word/PDF and fully editable, it’s SBA-aligned with a complete 3-year forecast. Map underwriting criteria, inventory turns, same-as-cash promotions, and collections cadence. Use it for bank or credit-union loans, franchise approvals, or private investors.

References include Progressive Leasing, Acima, Square POS, Clover POS, and QuickBooks—so your renewals, billing, and accounting look credible on day one.

Fully customizable. Instant download. Investor-ready structure.

Methodology

• Core SBA structure matched to lender review workflows.
• 3-year model from unit economics: average ticket × term × renewal rate minus charge-offs.
• Operational SOPs mapped to common tools (Square/Clover, QuickBooks, Progressive/Acima).
• Risk controls: reserves policy, repair SLAs, and collections cadence.

Who Should Use This Plan

– Entrepreneurs opening an RTO store
– Retailers adding RTO as a recurring-revenue line
– Franchise applicants needing a lender-ready proposal
– SBA or credit-union funding seekers
– Multi-unit operators standardizing SOPs

Why Choose This Business Plan

Funding credibility, faster launch, lower costs. This template saves ~$700 in consultant fees and delivers instantly in Word/PDF. It’s SBA/investor-ready and includes RTO-specific guidance—renewal and early-purchase math, collections cadence, repair SLAs, and inventory-turn goals—so lenders see a disciplined, scalable model.

• Risk: charge-offs rising → Mitigation: underwriting criteria and reserve policy.
• Risk: repair costs spike → Mitigation: parts tracking and refurb rules.
• Risk: renewal slippage → Mitigation: SMS/email cadence and same-as-cash windows.

How do I write a rent-to-own plan lenders accept?

Use this SBA-aligned structure with clear use-of-funds, unit economics (renewals and early-purchase), charge-off reserves, and DSCR. Attach supplier quotes and insurance certificates. The 3-year model lets reviewers validate turn rates, margins, staffing, and cash flow quickly.

How much inventory do I need to open?

Start with a lean, testable mix across high-turn categories (e.g., mattresses, TVs, appliances, tools). Model stock by ticket size, expected term, and renewal velocity; target inventory turns that match your cash cycle and delivery capacity.

Industry Snapshot (U.S.)

RTO demand aligns with households that value flexible payments, quick delivery, and repair/replace support. While banking access has improved, millions remain credit-constrained. For local retailers, disciplined underwriting, inventory turns, and collections cadence support steady renewals and predictable cash flow. Include a state-specific compliance summary in your plan and document reserves and repair SLAs to reassure lenders.

What You’ll Turn In / What You’ll Customize / What’s Not Included

• What You’ll Turn In: Lender-ready plan (PDF), editable Word file, 3-year financials (renewals, early-purchase, charge-off reserve), use-of-funds table, staffing & SOPs, marketing calendar.
• What You’ll Customize: Product mix, term lengths, underwriting criteria, promos, delivery/repair SLAs, inventory sources, pricing & commissions.
• What’s Not Included: Legal or tax advice; software subscriptions.

Related Products

• Mattress & Furniture Store Business Plan
• Pawn Shop Business Plan
• Automotive Parts Store Business Plan

Helpful Reads

• Master Your Future: Crafting the Perfect Business Plan
• Crafting a Winning Business Plan for Your Shopify Store

Frequently Asked Questions