Who can engage in leasing - trends in the development of leasing in Russia

Reviews of the leasing company business plan ()

The main thing about the business plan of the leasing company in the year

Opening a leasing company: a tool for business

In recent years, leasing has become an effective business tool, without which many domestic enterprises cannot imagine their activities. The economic crisis could not but affect the development of this market segment, but now this area has begun to revive again. This is facilitated by the high demand for leasing services, since this allows companies to use real estate or equipment without actually being their owners.

In this regard, opening a leasing company is a very promising type of business, promising good profits. A businessman planning to open a leasing company must first of all decide on the format of the company. Today there are 3 types of leasing companies: subsidiaries of well-known banks, leasing companies owned by the largest manufacturers or sellers of vehicles, equipment, etc., as well as companies that prefer to operate independently, using their own resources. But the latter type of enterprises is still not widespread in our country.

Organization of a leasing company begins with a study of its own financial capabilities, as well as an analysis of companies already operating in this market segment. In this case, one should also take into account companies that do not act in completely open ways. Enterprises of the so-called "gray leasing" can also have a significant impact on the results of your activities, despite the fact that their activities can not always be called clean. Meanwhile, it is the trust of customers that will be the best advertisement for your company, so it is better to avoid illegal methods of work. Not only can this lead to misunderstanding on the part of the regulatory authorities, but it is also quite capable of tarnishing your reputation.

In order to honestly engage in the lease and sublease of machinery, equipment, real estate, you need to register the company as a legal entity. But even before that, you should decide in which area of ​​leasing services you plan to carry out your activities: will you, for example, lease only vehicles or will you prefer to specialize in real estate. In addition, it is necessary to clearly identify the types of leasing with which you will be dealing. It can be leasing with full or partial payback, financial, operational or return lease.

If you are seriously planning to engage in leasing and at the same time get an impressive profit from this activity, be sure to use the professional business plan of the leasing company. This document will allow you to determine the approximate income and expenses for starting a business, will help to minimize the likely risks. Its presence is also necessary in order to obtain credit from the bank, necessary for the active development of the enterprise.

A ready-made business plan for a leasing company from scratch with examples of calculations for opening

The business plan of the leasing company drawn up by specialists will help all those who have decided to engage in this topical, profitable business - leasing equipment, machines, apparatus, real estate. It is on this action that leasing is based, when people, not being the owners of these goods, can use them, paying the amount in installments. In modern conditions, such a scheme works perfectly and brings good profit.

Financial leasing takes more and more active positions every year. Therefore, in order for a business to be promising and generate income, you need to know how to open a leasing company.

The financial crisis has affected this segment of the business as well, but recently leasing companies have begun to gradually revive. The essence of leasing is that companies have the opportunity to use equipment or real estate without being the owner.

Features of leasing

For novice entrepreneurs, the main problem is buying expensive equipment. As a rule, in this case, the owner of a young business tries to take out a bank loan in order to purchase equipment. But loans are quite an expensive pleasure, moreover, it is not always possible to take out a loan in the volume that is necessary for a complete set of production. If you know how to open a leasing company, you can use all the equipment you need without messing with banks.

In addition, in case of financial leasing - after payments for equipment or real estate in full in periodic installments - the ownership is transferred to the company. In the case of an operating lease, the equipment or other leased item is returned to the lessor after the contract has ended.

How to open a leasing company?

Before opening a leasing company, you need to double-check whether you have enough free funds for this. If you are not sure that your own finances will be enough, you need to contact the bank for credit funds.

Of course, in this case, a significant part of your income will go to repay the loan, but if this is the only opportunity to start your own business, you will have to go this way.

In this case, it is necessary to provide a carefully developed business plan of the leasing company, which should contain the following sections:

  • General concept of the enterprise.
  • A detailed description of the services that the company will provide.
  • Marketing research results.
  • Detailed business plan of the enterprise.
  • Possible risks, as well as ways out of difficult situations.
  • Basic approaches to enterprise management and its organizational form.

In order to protect oneself from possible financial losses, insurance of all leasing objects and transactions is widely used.

Business plan of the leasing company

If you decide to apply for a lease, the business plan must be provided in the form required by the specific leasing company. It is compiled in any form and in Russian. The business plan should contain the answers to the questions that the lessor usually asks in order to decide whether to conclude a contract with you.

Business plan of the leasing company

How to start a leasing company from scratch

How to lease property

How to sell leasing correctly

Leasing is not a business that you can enter without having a lot of capital, knowledge and experience. But the leasing market continues to grow in 2021, the demand for such services is quite large, so the topic is of increasing interest. But let's say right away: if you do not have tens (and even hundreds) of millions of rubles, then you will not enter this business. The reasons are simple, but you need to understand how leasing companies work.

In leasing operations, one company transfers its property to another for temporary use. But this is not a lease deal, it implies a gradual purchase of property. Simply put, leasing companies are engaged in lending, but not in the form in which banks do it. The conditions may be such that such a transaction will be much cheaper than a bank loan.

Any property can be leased, but usually it is rather expensive (that's why we said right away that this requires very large initial investments). This is usually:

  • cars ;
  • production equipment;
  • buildings and structures.

The practical meaning of leasing is that the recipient can use the property immediately and pay for it later. Sometimes the first payments can begin even after six months, all these points are discussed separately and are quite acceptable. The main advantage of such transactions is that both sides usually remain in the black. Leasing companies are engaged in the sale of property and receive more profit (albeit not immediately), recipients can quickly expand or start a business without having a lot of capital.

As a type of service, leasing in Russia appeared not so long ago, but quickly gained popularity. It is no secret that domestic companies are often limited in funds, and bank loans are very expensive. All this has become fertile ground for the development of this service in Russia.

The tendencies in the development of leasing in Russia are such that more and more companies prefer just such transactions, rather than bank loans. The risks for them become significantly lower. If there are problems with the business, then the company can usually return the property and not pay for it in full. Unlike loans that need to be repaid in full.

Business plan of the leasing company

The size of the start-up capital depends on the chosen direction, but different work schemes are possible here. For example, a leasing company receives an order for equipment, but this does not mean that it is already in stock. For a specific deal, equipment is bought and leased. This is a common option for organizing a business in Russia, which minimizes risks.

Business plan for opening a leasing company

In all regions of Russia, most of the leasing deals are for vehicles and special equipment, all other categories of property are far behind and with a great lag. In the future, the market will develop towards real estate and industrial equipment.

Leasing is not a business that you can enter without having a lot of capital, knowledge and experience. But the leasing market continues to grow in 2021, the demand for such services is quite large, so the topic is of increasing interest. But let's say right away: if you do not have tens (and even hundreds) of millions of rubles, then you will not enter this business. The reasons are simple, but you need to understand how leasing companies work.

In leasing operations, one company transfers its property to another for temporary use. But this is not a lease deal, it implies a gradual purchase of property. Simply put, leasing companies are engaged in lending, but not in the form in which banks do it. The conditions may be such that such a transaction will be much cheaper than a bank loan.

Any property can be leased, but usually it is rather expensive (that's why we said right away that this requires very large initial investments). This is usually:

  • cars ;
  • production equipment;
  • buildings and structures.

The practical meaning of leasing is that the recipient can use the property immediately and pay for it later. Sometimes the first payments can begin even after six months, all these points are discussed separately and are quite acceptable. The main advantage of such transactions is that both sides usually remain in the black. Leasing companies are engaged in the sale of property and receive more profit (albeit not immediately), recipients can quickly expand or start a business without having a lot of capital.

As a type of service, leasing in Russia appeared not so long ago, but quickly gained popularity. It is no secret that domestic companies are often limited in funds, and bank loans are very expensive. All this has become fertile ground for the development of this service in Russia.

The tendencies in the development of leasing in Russia are such that more and more companies prefer just such transactions, rather than bank loans. The risks for them become significantly lower. If there are problems with the business, then the company can usually return the property and not pay for it in full. Unlike loans that need to be repaid in full.

Business plan of the leasing company

The size of the start-up capital depends on the chosen direction, but different work schemes are possible here. For example, a leasing company receives an order for equipment, but this does not mean that it is already in stock. For a specific deal, equipment is bought and leased. This is a common option for organizing a business in Russia, which minimizes risks.

The business of opening your own leasing company is far from the easiest undertaking for an entrepreneur. However, if an entrepreneur has a sufficient baggage of special economic knowledge, can adequately assess the risks and predict the development of the situation in the financial market, then the leasing company can bring him considerable profit. Leasing is nothing more than the long-term lease of various material objects (mainly equipment and machinery) with the possibility of their subsequent redemption. Our business plan of a leasing company with calculations, which will guide the entrepreneur in terms of financial costs, the main stages of organization and potential income, can help in organizing this difficult matter.

The initial investment in opening a leasing company will amount to 1.6 million rubles, of which one million will form the authorized capital. We do not recommend businessmen to open a leasing company alone - it is better to find one or two co-founders and register a limited liability company. By the way, the authorized capital is formed from equal contributions of each founder of the LLC.

Concept Brief

The leasing company, an example of which is presented in this business plan, must be registered as an LLC with several founders. The best taxation system for this type of business will be the standard "simplified tax" (simplified taxation system) with a tax rate of 15% of the difference between income and expenses. You will also need to attend to obtaining a special license to conduct a leasing business. The following OKVED codes are suitable for the official registration of a leasing company:

  • 77. "Rent and leasing of motor vehicles".
  • 77. "Rent and lease of other machinery and equipment and material assets".

After completing the registration process of a leasing company, you should decide on the types of services it will provide to its clients. In addition, you need to choose directly the type of leasing, which the company will focus on. Whether it will be instant, comfortable, economical or efficient leasing depends on the current economic situation in the region and the personal preferences of the founders of the leasing company.

It should be noted that the leasing operation includes several stages, namely:

  • The procedure for drawing up and signing a lease agreement.
  • Purchase of the leased asset.
  • The procedure for obtaining a bank loan and payment of the leased asset with the received funds and its delivery.
  • Acceptance of the leased asset from the supplier.
  • Payment of lease payments by the lessee until the full payment of the amount specified in the lease agreement.
  • Repayment of the loan and interest on it by the lessor.

Tip: there is no need to save money on the services of good lawyers - after all, competent legal support for leasing operations can prevent many different unpleasant moments and subsequent proceedings with clients.

How much to invest in opening

The initial costs of opening a leasing company are indicated in this table (the authorized capital of 1 million rubles is not included):

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