This editable thrift & consignment business plan is SBA-aligned and investor-ready with a defendable 36-month model, clear intake & payout rules, and a week-by-week marketing rhythm—so you can secure funding and open faster.

Industry Snapshot (U.S.)

U.S. used-merchandise retailers operate under NAICS 459510. Resale demand remains resilient as shoppers seek value, while curated consignment and eCommerce lift sell-through and average ticket in many markets. Winning operators pair steady donation drives with transparent consignment terms and fast pricing/markdown cycles. This plan bakes those mechanics into your forecast, so lenders see how inventory becomes cash—reliably. U.S. Census — NAICS 459510

What’s Inside

Executive Summary. You’ll present a concise mission and store concept, the sourcing mix you’ll use (donations vs. consignment), and a simple funding ask tied to fixtures, POS, and first-month working capital. The summary frames location logic, floor capacity, and weekly intake targets so lenders grasp scale on page one. We include a short “why now” paragraph that connects local demand with your curated assortment and pricing ladder. The section closes with 90-day milestones that show how quickly you reach operating cadence. Think of it as your two-minute pitch—tight, credible, and lender-friendly.

Products & Services. Outline apparel, footwear, handbags, furniture, décor, and vintage, plus eCommerce consignment for higher-value pieces. We include intake rules, quality thresholds, and a three-tier pricing matrix (New / Like-New / Good) so staff can price fast and consistently. Paid services (delivery for furniture, basic repairs, cleaning) are modeled as add-on revenue streams. You’ll define consignment splits by category with time-bound reclaim rules to keep the back-room moving. The copy shows customers what you sell and reviewers how inventory converts to reliable margin.

Market Analysis. This narrative scans neighborhood demand drivers (density, foot traffic, campus or family proximity) and the local competitive set (nonprofit thrift, boutiques, resale chains). We anchor pricing to your tiers and explain how markdown cadence protects sell-through without training shoppers to wait. A short eCommerce note covers shipping expectations, returns, and packaging for delicate items. We spell out seasonal peaks for apparel and furniture and how donation drives support inventory before those peaks. Lenders see a sober plan to win repeat visits and reviews—not hype.

Operations. Here you’ll walk reviewers from donation door to sales floor: triage, tagging, steaming/cleaning, pricing, and staging. The back-room is mapped to daily throughput goals with lane labels so inbound never buries outbound. We include a weekly markdown sweep and a hold-rack policy to prevent pileups and fights at the register. Furniture flow adds photo-taking rules for online listings and a delivery calendar to reduce missed windows. SOP-level clarity reduces labor waste and protects the customer experience during rushes.

Marketing & Sales. A week-by-week rhythm covers local SEO and Google Business Profile tasks, social proof, drop-off events, and partner drives with schools and shelters. We include a simple loyalty offer that doesn’t crush margin and a reviews mini-playbook to build trust quickly. The plan calls for “New Arrivals” photo batches, short reels, and cross-listing high-value items online to widen reach. Community calendars and micro-sponsorships keep you visible without paid-ad burn. It’s a consistent drumbeat designed to produce predictable foot traffic.

Management & KPIs. Roles are defined for floor lead, intake lead, cashier, and volunteer coordinator (if nonprofit). KPIs include intake yield, sell-through %, days-to-sell, markdown ratio, average ticket, and payroll %. We show what “healthy” looks like at 30/60/90 days and how to react if a metric drifts. A short cash-runway note ties inventory turns to liquidity so lenders see discipline. Accountability is clear, simple, and measured weekly.

Financial Forecast (36-Month). The model wires revenue and COGS by category to staffing, rent, and fixtures. It includes break-even, cash-flow, and a simple sensitivity for sourcing mix changes. Donations allow higher blended margin but need staffing; consignment reduces cash strain but requires timely payouts—we model both. You’ll see how markdown cadence shifts contribution margin and how furniture delivery fees improve average ticket. Export a lender-friendly PDF that reads in banker-logic order from assumptions to results.

Pricing & Costs — How do I set payouts, prices, and break-even?

Use the three-tier ladder (New / Like-New / Good) and target a blended margin that reflects sourcing mix. Payouts adjust by category and turnaround; donations allow higher margin but need staffing. Break-even improves with higher sell-through, disciplined markdowns, and a balanced apparel/furniture mix. The model shows how these levers move contribution margin and cash runway so you can defend every number.

Frequently Asked Questions

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Last updated: November 2025 by BPlanMaker.

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