How to open a brokerage company. Mediation business: opening a brokerage firm

Licenses and certification

a package of documents is required, including:

1. Insurance rules.
2. Tariff calculations.

room

Staff

Which are:

• manager,
• accountant,
• lawyer,
• insurance agents.

Business development prospects

Finance

1. The cost of renting an office space is $100,000 per year.

Conclusion

Download the business plan of the insurance company for 350 rubles, from our partners, with a quality guarantee.
The content of the business plan:
1. Privacy
2. Resume
3. Stages of project implementation
4. Characteristics of the object
5. Marketing plan
7. Financial plan
8. Risk assessment
9.

Auto insurance. How to start an insurance business

Financial and economic justification of investments
10. Conclusions

Since the broker's income consists of a very small percentage of the commission from each client's operation (usually about 5 hundredths of a percent from any "movement", profitable or unprofitable - the broker's income does not depend on the profitability of the client's trade, but on his turnovers), then it will be required active work to attract clients. It can be a couple of dozens of large "privileged" traders, or a constantly replenished stream of small client-investors. Usually beginners get through training seminars.

An example of a business plan for an insurance company

But ... "The road will be mastered by the walking one."

A thorough analysis of the insurance market of available services is needed

It would be nice to have marital life insurance. (Leszek Kumor)

Despite the fact that the insurance market is sufficiently developed, it is quite realistic to open a new insurance agency based on the needs of the market for new insurance products.

For example, in large cities, services for insurance of jewelry campaigns, or insurance of financial risks in the joint construction of a house or business facility will be well quoted. You can always find your niche for opening an agency by conducting a thorough analysis of the insurance market for available services, this can be done using the business plan of an insurance agency. And as an option, a branch of a well-known insurance agency that is in demand among the population. A launching pad for a new, in the future, insurance campaign.

Registration

An insurance campaign can be immediately issued by an LLC or a similar company from legal entity. List in detail the planned services of the newly opened agency.

The authorized capital, as a rule, depends on the services provided by the company. The higher the value of services (for example, customer life insurance), the larger the authorized capital.

Licenses and certification

The agency being opened first provides itself with a license for the services provided, having passed certification before that. The process is complex, takes place under the auspices of the Ministry of Finance and takes a long period, within a year, sometimes less. For its design a package of documents is required, including:

1. Insurance rules.
2. Documentation for the opening of the campaign.
3. Tariff calculations.

The specifics of the campaign is such that each the new kind insurance requires registration of new documents. In addition, the campaign manager confirms his qualifications in this field. Here his experience in the specialty, positive feedback about his activities are important.

And as a result preparatory work entry into the Unified State Register of Insurance Companies upon receipt of a license. This is a very important and responsible stage of work.

room

You only know when you get insurance. real price life. (Mikhail Mamchich)

The main condition for the chosen premises for the office is a good access to it and the availability of parking for personal vehicles: convenient and safe.

It should be enough large room, maximum 150 sq. m., but less. Making the office as the face of the agency is very important. This issue should be given very great attention: no frills, strictly business-like. Cleanliness and tidiness.

Staff

It is very important to recruit intelligent agents

At the time of opening the agency in the state should be no more than 10-20 employees, which are:

• manager,
• accountant,
• lawyer,
• insurance agents.

The main duty of insurance agents is to look for clients to provide them with insurance services.

With the expansion of business opportunities, the staff of employees and insurance agents will also grow. And in order for the business to develop, there must be such insurance agents in the state who can convince and sell insurance service. The more services are sold, the better things will go for the insurance agency, which means that profits will grow.

How to recruit smart agents? First of all, create the maximum profitable terms work, to interest the agent with a positive bonus, a possible career advancement, a good percentage of the services they sold. You can also go the way of teaching beginners using special trainings. It is good to use these two types of work with agents everywhere. And you can also hire several experienced specialists in insurance work.

The dress code of employees is one of the conditions that emphasizes the credibility of this campaign.

Download the business plan of the insurance company for 350 rubles, from our partners, with a quality guarantee.

Basic Customer Acquisition Strategies

The peculiarity of the insurance business is that direct advertising of its services is ineffective here. Therefore, for each insurance product, you need to develop a separate advertising strategy.

The driving force behind the insurance agency is the advertising of each individual insurance service, since the work of an insurance agency is the sale of insurance services.

With each specific insurance service, they need to go to target audience clients, sometimes mixing them up (for example, going for home insurance against natural Disasters, you can simultaneously offer a car insurance service if this client has one).

Business development prospects

With a small starting capital and the inability to immediately provide a wide range of insurance services, you can stop at one type of service, but new in its application on the market. In the absence of competition, you can achieve good results in business development. And with the development of business, in the future, add new insurance services.

Finance

But first you need to focus on 20 million rubles.

The initial capital for the opening of the agency will be more than 500 thousand dollars.

When opening an insurance campaign, it is necessary to count on the following items of expenses:

1. The cost of renting an office space - 100 thousand dollars.

   How to become an insurance broker - step by step business plan

2. Equipment of the office space, with its preliminary repair (providing with furniture and office equipment).
3. Salary expenses for employees of the insurance agency - 100-150 thousand dollars.
4. Insurance agency advertising expense - $200,000

Conclusion

The more business gains momentum, the faster it pays for itself. The profit from the sold services of the agency is approximately 10%, maximum term payback 5 years.

Example 1 - Free Download ready business plan insurance agency

Example 2 - Download a ready-made insurance agency business plan for free

Download the business plan of the insurance company for 350 rubles, from our partners, with a quality guarantee. AT open access, on the Internet, it is not.
The content of the business plan:
1. Privacy
2. Resume
3. Stages of project implementation
4. Characteristics of the object
5. Marketing plan
6. Technical and economic data of the equipment
7. Financial plan
8. Risk assessment
9. Financial and economic justification of investments
10. Conclusions

Today, trading in the securities markets attracts more and more interest. Many novice traders quickly stop their experiments, losing impressive amounts, others have mixed success. There are people like you who are interested not only in information on how to successfully trade on trading platforms, but also on how to create a brokerage company and how to organize work in it at the proper level.

A brokerage house is rarely opened by random people who have no idea what it is. But still, to begin with, we will outline the basic concepts:

• A broker is an intermediary. This concept is used in insurance, lending, customs, as well as in currency trading and the securities market.
• Brokerage as general concept– intermediary at the conclusion of any transactions. In a narrow sense, in which modern world used to understand this term - these are intermediary services in the trading of securities. In accordance with the Federal Law "On the Securities Market" dated April 22, 1996 N 39-FZ ( new edition effective from 01.01.14), the broker makes purchase and sale transactions with financial instruments on behalf of the client, on his own behalf or on behalf of the client, at the expense of the client.

There are two main options for starting a brokerage business, both of which require investment and serious preparation. Let's go from the simplest to the most complex.

Conclusion of an agency agreement

Agency agreement with any well-known brokerage company of the federal or even international level. The essence of this option is as follows: the organization opens a representative office of a large company in the region and works under its brand. As a rule, a fee is charged for using the brand, but usually this is a symbolic amount. Income is distributed by agreement, agents can receive up to 50 and even 70% commission on trading operations of attracted clients (it is income, not profit, i.e. all costs for maintaining the dealing room, attracting clients and conducting training seminars, the agent bears at the expense of his share of "revenue"). Investments in obtaining a license are not needed, the permissive action of the license of your “federal” applies to you, you act on his behalf. Internet trading software, analytical resources and a list of liquidity providers for successful work will share with you too.

Since the broker’s income consists of a very small percentage of the commission from each client’s operation (usually about 5 hundredths of a percent from any “movement”, profitable or unprofitable - the broker’s income does not depend on the profitability of the client’s trading, but on his turnovers), active work will be required to attract clients. It can be a couple of dozens of large "privileged" traders, or a constantly replenished stream of small client-investors.

What is an insurance brokerage company and its business plan

Usually beginners get through training seminars.

Costs for office, equipment, staff salaries, etc. the agent bears on his own.

Creation of a brokerage house from scratch

Another, the most time-consuming and costly option is to create your own brokerage business from scratch.

The legislation governing the type of activity you are interested in establishes a number of requirements for companies that plan to conduct brokerage activities.

In accordance with the "Regulations on licensing requirements and conditions for the implementation professional activity in the securities market”, brokerage activities are subject to licensing. Typically, organizations try to immediately obtain a license for brokerage, dealer activities and securities management. The second chapter of the Regulations describes in detail all the requirements for a license applicant, including the conditions for sufficiency own funds, requirements for the composition of the team of employees and their qualifications, and even for software and hardware.

“The equity capital adequacy standards for professional participants in the securities market…” (see Order of the Federal Financial Markets Service No. 11-23/pz-n dated May 24, 2011) set a threshold for the estimated equity value of a brokerage company – 35 million rubles. rub.

The “Regulations on the Procedure for Calculating Equity of Professional Participants in the Securities Market…” will help you calculate the amount of your own funds (see Order of the Federal Financial Markets Service of October 23, 2008 N 08-41 / pz-n, as amended on June 22, 2010)

For those who carry out brokerage activities only for the conclusion of contracts that are derivative financial instruments, the underlying asset of which is a commodity, from December 5, 2013 Central Bank The Russian Federation has set standards for its own funds in the amount of 5 million rubles.

Of course, having sufficient funds and knowledge, you can take on the project from scratch: establish an LLC, contribute to authorized capital a sufficient amount (the “new” company has own funds equal to authorized fund), resolve the issue with the premises, high speed internet, purchase equipment, software, staff in accordance with the requirements, be licensed ... And a lot of money to invest in advertising, seminars - to attract traders. Seminars over time and themselves will begin to make a profit, but relatively small, it will not pay off the investment.

It is difficult to talk about the payback period of a brokerage house in this case, the risks are high. It's much safer to go the other way. Usually the chain of transformations in the brokerage business is simple: a client of a brokerage firm becomes an experienced trader and creates an agency representing the interests of a well-known brokerage firm. Having gained experience and regular customers, having earned "on the authorized capital", his organization receives a license and becomes a brokerage company. The path is neither short nor easy.

But ... "The road will be mastered by the walking one."

Company registration

In order to become a Forex broker, first of all, you need to register foreign company. We distinguish 3 groups of countries suitable for organizing Forex services. They differ in the presence of the Regulator, the requirements for doing business and the cost of registration.

The first group (unregulated jurisdictions) are countries where Forex services are not regulated. The fastest and cheapest option. These include Saint Vincent and the Grenadines and the Marshall Islands. Registering a company in one of these countries is the right decision to start a business.

The second group (weakly regulated jurisdictions) are countries in which there is regulation of Forex services and at the same time low requirements for doing business. These include Vanuatu, Malaysia, Belize or Seychelles. In our opinion, a dubious option, since at a significant cost you do not get any significant benefits.

The third group (regulated jurisdictions) are EU countries, such as UK, Cyprus, Bulgaria and others. Countries where Mifid requirements apply. The most expensive option. Only suitable for large companies operating on the market for several years. Having a company in the European Union, you get access to services in major European banks and low % commissions.

Insurance agency business plan

Time: 2 weeks-6 months. Price: from $2000

Choosing a bank and registering an account

The choice of bank largely depends on the country in which your company is registered.

For unregulated jurisdictions, banks from the Czech Republic, Poland, Armenia and Georgia are suitable.

For lightly regulated jurisdictions, banks at the place of registration of the company are suitable: Vanuatu, Malaysia, Belize and Seychelles

Companies from regulated jurisdictions and with a license get access to the best European banks.

Time: 2 weeks. Price: from $2000

Site creation

The website is the face of the company. Here it is important to understand the specifics of the site for forex companies. It is best to entrust this issue to professionals with experience in creating websites for brokers. Since there is a high probability that during the development of the site, people who understand absolutely nothing about the organization of brokerage services will encounter certain difficulties. Development of a personal account for traders, connection of merchants, implementation of various Web services on your site, you will have to deal with all this in the process of creating a site. Therefore, it is better not to waste time or money, and entrust the development of the site to people who will not only finish it, but will make it convenient, functional and modern.

Time: from 2 weeks to 3 months. Price: from $0 — up to $30,000

Choosing a trading platform

A trading platform is a set of programs for the work of a broker and his traders.

We recommend using the UTIP platform. To date, the most modern and cost-effective solution. Your clients will be able to work on the Forex market and on binary options at the same time in different terminals. The platform is provided along with a ready-made personal account trader and CRM system for your employees.

Time: Week 1. Price: from $9000

Office

Any trader is pleased to come to a good modern office. Pleasant atmosphere, polite and responsive staff, all this, of course, will increase the level of trust in your company, and the client will definitely come to you more than once. Therefore, if you are ready to invest a sufficient amount of money, then it is better not to save on this. If, however, the allocated budget does not allow buying or renting a large office in the city center, then more attention should be paid to other things, such as staff training or preparing a marketing strategy. In any case, having a beautiful office will be meaningless without a professional team.

Time: 1 month Price: from $0 — up to $25,000

Staff

Good staff is half the battle. Significance strong team in the operation of a successful company is very large. When operating a dealing center, you must perform the following tasks:

• Attract customers and open accounts
• Conduct training seminars
• Interact with clients in the course of their work
• Maintain the site, add information
• Set up and maintain the trading platform
• Develop promotional materials
• Top up accounts and withdraw money
• Perform managerial functions

Experienced sales managers should be involved in attracting customers. After the client replenishes the account for the first time, work with him should be continued: stimulating more active trading and “secondary” sales. Per technical work in the company and the site can be answered by both an individual specialist and someone else from the team. The specialist must be well versed and work with the trading platform and website. Development advertising materials and marketing can be done by you yourself with managers or by an individual. Information on attracting customers, work on tasks and control is best done in CRM.

Time: 1-2 weeks Price: from $0

"First Client"

The logical conclusion of all the previous steps will be the appearance in your company of the first client who will open an account with you. This is an indication that all stages of the company's creation, from registration to the opening of the first transaction, have been completed correctly. With a professional team and a competent approach to organizing and developing a business, you will succeed! Despite all the difficulties that you may encounter in the process of creating a company. If you want your dreams to become a reality, start, and we will help you with this.

Time: 1 day. Price: 0

Farid Shabaev,
company CEO
"BROKER ALLIANCE"

When can I expand my business plan

Before writing a business plan for expanding a company, make sure the business is ready to scale. Farid recommends evaluating a business on nine dimensions:

You have a recognizable brand, at least in the region of presence.
Stable income.
Business processes, instructions and control over their observance are debugged and described.
Quality standards: requirements for the qualification of specialists, a list of services with tariffs, regulations for working with clients and partners, a contract for the provision of services.
Prescribed business development strategy for at least three years.
Good reputation: many satisfied customers, the Internet is not replete with exclusively negative reviews about your company.
Partner banks with which you have entered into agreements.
Experience of complex transactions: an example with a mortgage, an example with refinancing.
Large product line: needs, mortgages, leasing.

How much does it cost to open a loan broker office business plan

Farid tried to take into account the average market prices in large Russian cities. It turned out 150,000 rubles. per month. Cost distribution:

Office (25-30 sq.m) - 20,000 rubles. per month.
The official salary of three employees (two managers and a director) is 45,000 rubles.
Tax deductions 43%: 19 350 rubles.
Internet and stationery: 1,500 rubles
Advertising, promotion in social networks, updating information on the site: at least 30,000 rubles. per month.
Current account maintenance and accounting support: 3,000 rubles.
Expenses for a comprehensive customer check - 15,000 rubles. per month.
USN tax 6% - 6000 rubles.
telephone connection: 2,000 rubles
ordering business cards for promotional materials for the office: 3,000 rubles.

Average check for transactions

Above we wrote about a large product line. Farid offers seven services to clients. For each, he calculated the average check.

Service	Average amount in rubles	Broker commission in percent and rubles
consumer credit	500 thousand	10% = 50k
Mortgage	2.5 million	3% = 75k
Loan secured by real estate	3 million	5% = 150k
Home construction loan	4 million	5% = 200k
Help with leasing	4 million	3% paid by the client = 120 thousand and 1% by the leasing company = 40 thousand. Total: 160 thousand.
Simplified credit and financial analysis of the client (UCFA): 4 credit reports (NBKI, OKB, Equifax, CBRS) and FSSP)	2.5 thousand	Broker expenses 1000, profit 1500
Full credit and financial analysis of the client (PCFA): 4 reports, CCCH, SPARK business reference, SB check	5 thousand	broker's expenses 1500, profit 3500
Refinancing of consumer loans and credit cards	500 thousand	10% customer pays = 50 thousand and return of insurance 20% = 10 thousand Total: 60 thousand.

Deal plan per employee

In Farid's company, the bonus part of managers depends on the revenue plan. The higher the revenue, the higher the percentage of the bonus part. Bonuses are also paid from credit and financial analyzes.

Revenue Plans:
The minimum revenue plan is 150 thousand rubles. From this amount, the manager receives 10%.
Medium plan: from 151k to 300k. Bonus 12.5%.
Maximum plan: from 301 thousand. Bonus 15%.

Plans for credit and financial analysis:
10 UKFA. Bonus 500 rubles from each UKFA.
5 PCFA. Bonus 1000 rubles for each PKFA.

Net profit per month

Calculate revenue and subtract fixed costs.

Net profit
400K (minimum plan) - 150K (mandatory expenses) - 50K (bonuses and bonuses for employees) = 200K net profit.

Be sure to set aside at least 15–20% of your profits to the reserve fund - for force majeure situations and lean months.

How much does it cost to open a franchise office

Before opening franchise offices, you need to “package” this very franchise: describe products, business processes, marketing activities; prepare training materials for franchisees and develop advertising layouts. All this requires money. Farid spent 200 thousand rubles on the packaging of the franchise. If you apply for packaging in marketing agency, the price tag will grow to 700 thousand rubles.

The next stage is the opening of franchise offices. This also comes at a cost:

30 000 rubles per month - payment for the employee who runs the company's office
20,000 rubles payment to the specialist who will conduct the training
30,000 rubles Creation of new advertising landing pages based on their own
10,000 rubles creation and setup advertising companies in the region
the presence of a franchisee.
20,000 rubles purchase of 200 leads for clients to start the office
25,000 rubles Development of a brand book with the partner's name.
23,400 rubles USN tax 6% from the sale of a franchise

Total: 158,400 rubles.

Profit from the franchise

Farid sold the franchise in "packages". The cheapest cost 390 thousand rubles. We subtract 158.4 thousand rubles. expenses and get 138.4 thousand net profit from one franchise. The term for launching a franchise office is 1 month.
Royalties: the first three months are a grace period, then 20–30 thousand rubles. monthly.

Office or franchise

The two models for expanding a loan broker's business are to open new offices or sell a franchise. Farid tried both options, identified the pros and cons of each.

Office
Pros:
You select employees or control their selection. You are sure that the employees are at least adequate.
Full control of finances
Control the quality of office work
Elimination of the risk of financial losses.
Consistency in the actions of each employee of the company.
Additional profit: all profit remains with the company, not with the franchisee.

Minuses:
Additional costs and risks
Time costs. For one and a half to two months, you have to be distracted from managing the head office of the company.

Franchise
Pros:
Additional profit from the sale of the franchise.
Monthly royalties.
Business scaling. Geographic expansion
company presence.
Improving the company's image, brand awareness.
New sales channels, new promising partners.
Discounts on services from partners.

Minuses:
An unscrupulous franchisee who suddenly abandons the established standards and begins to work according to his own. This is fraught with reputational risks for the entire brand.
Lack of control over the work of the franchisee in the field. Lack of constant feedback.
The franchisee stops paying royalties, while continuing to work under your brand.

“The last point of the cons of the franchise is our personal experience. We sold the franchise to an entrepreneur from Samara: we handed over all the materials, trained, and brought clients. When the royalty expired, no payment was received. For several months, the franchisee refused to pay royalties. We asked him to close the office under our brand and offered to work for himself. We received a letter in response from arbitration court about "unjust enrichment". The franchisee sued us for a refund of the franchise money. We filed a counterclaim. We're suing now."

P.S.
The EBK system service offers credit brokers clients for loans and credit check tools.

Russian market lending is constantly growing. Banks compete with each other by introducing new loan products every year. With the expansion of the range of loans offered, the demand for the services of intermediaries between borrowers and the bank - credit brokers - increases. For this reason, brokerage will be a very profitable undertaking. Unlike private professionals working as independent intermediaries, full-fledged agencies inspire more confidence in the consumer of services. Therefore, it makes sense to develop a business plan for a brokerage agency, in which all financial calculations and marketing analysis will be carried out.

Project Features

The project to create a brokerage agency provides for the creation of an enterprise and its development for a period of 2 years. The nature of the activity is formulated as a company providing professional brokerage services on financial market.

Project goals can be defined as:

• — meeting the demand of the corresponding segment of the consumer market;
• – creation of an enterprise with a high level of profitability;
• - obtaining high and stable profits.

The main financial details for the creation and development of the project are as follows:

• - Financing will be carried out by obtaining a commercial loan. The approximate amount of the loan is 9,700,000 rubles. Additionally, it is assumed that the founder has own funds of about 5 million;
• - the cost of the project is 9 million 700 thousand rubles;
• – the duration of the project – from the start of the enterprise to reaching a profitable level – 2 years;
• - interest rate on the loan - 17.5% with the prospect of decreasing in the future;
• — payments on the loan will start from the first month of the company's operation;
• - the investor's income for the entire period of lending, which is the total amount of interest paid - 660,900 rubles;
• – payback period from the moment of business start – up to 16 months. Discounted – 24 months;
• - general economical effect for the indicated period will be equal to 13 million 85 thousand rubles.

When calculating these data, you need to take into account all possible risks. More detailed data on the financial component of the enterprise is in the financial part of the plan.

How the broker works - in the video:

Brokerage agency as a type of business

Brokerage activity consists mainly in carrying out transactions with securities on the basis of an agency agreement or a commission agreement. This activity is carried out in the interests of the client on the terms stipulated in advance in the contract.

Each market participant must have a special license to conduct brokerage activities. For its receipt, apply to the Federal Service for Financial Markets. Even small company engaged in the provision of brokerage services must have an appropriate license. The requirements for brokerage agencies of any format and scale are set out in the current regulations.

The work of credit brokers is implemented in two versions. First, the enterprise is limited to providing consulting services. They, in turn, consist in helping the client in choosing a bank and loan conditions, preparing and compiling required documents. In this case, the agency should not contact banks directly.

The second category of brokers specializes in cooperation, including with banking structures. The main difficulty of this kind of business is the careful selection of partners by banks. Credit organisation will agree to cooperate with a broker if he already has a positive experience of working with banking structures, and his experience in the market has more than one year.

Thus, the scheme of work of the organization may provide for several options for development. The first is to provide consulting services, working with private customers, and at the same time not have direct links with banks. The second way is to conclude an agreement with a specific bank and work directly for this brand. The second option is a little more technical, but it is also more profitable, and therefore popular in the brokerage industry. In the second case, cooperation with the client will be wider than simple consulting. This option provides for issuing tickets, receiving and transferring funds.

An approximate work plan of the agency assumes the following action plan:

• — obtaining a license as a professional participant in the securities market;
• – conclusion of an agreement with the management company regarding the implementation of agency activities;
• - obtaining a power of attorney from the management company. It is this document that will give grounds to brokers to fulfill their obligations;
• — reporting on the actions performed and receiving stipulated by the agreement payment.

The new agency will not yet have a history of successful relationships with credit institutions. In order for the intermediary structure to be of interest to the bank, it is imperative to guarantee it a stable flow of customers. So, it is necessary to promise to bring a certain number of borrowers every month, backing up the promise with serious arguments.

Range of activities new organization will include the following main areas:

• — managerial, financial consulting;
• — marketing, including research and consulting activities;
• — audit;
• — advertising, PR;
• - grade;
• — selection, development of personnel;
• — activities of the educational direction and so on.

The broader the scope of the agency's activities from the very beginning, the more competitive it will be in the long run.

One of the potential sources of income for the brokerage agency is the additional commission that will accompany the redemption of shares. According to the law, when redeeming shares, the brokerage company has the right to deduct a certain percentage from the shareholders. The maximum rate of such a commission is 3%. The specific amount of interest will depend on the rules established by a particular fund and the investment period.

Important points of the work of a loan broker - in the video:

Stages of opening a brokerage agency

When planning the development of a brokerage agency from scratch, it is worth considering the step-by-step steps from the moment the business is planned until it reaches the level of self-sufficiency. Schematically, this process can be described as follows:

Stages	Execution conditions	Deadlines
Project start		1 - 2 year
	1 month project	First 30 banking days
Obtaining credit funds	The presence of a mandatory package of documents	1 month
Entering into the state register, registration with administrative and tax authorities	Concluded investment agreement	From 1 to 30 calendar days
Location selection, preparation of documentation	Preliminary work	1 month
Purchase of equipment	Conclusion of an investment agreement	Up to 30 calendar days
Equipment installation	Receipt of investment funds	Up to 30 calendar days
Hiring	Production activity	Up to 30 calendar days
Training	End of the stage of organization of the production process	Up to 30 days
Marketing Campaign	30 calendar days	Up to 360 calendar days
End of the project		12 – 24 months

In this regard, some changes are possible, including those related to the timing of implementation. However, this model will be taken as the basis of the plan.

Location. Office

Having your own office is one of the important arguments that can convince bankers that the broker is reliable, which means it can provide a sufficient flow of customers. Market operators use two different approaches. In the first case, the premises are selected in close proximity to places of accumulation of potential customers - large retail outlets or automotive markets.

The second common option is to open in the city center. Most office centers and banks are located there. The central location allows you not to tie yourself to a specific point of sale and thereby increase the flow of customers by choosing a place accessible to everyone. The rental price in the center is usually higher - 800-1200 rubles. per sq. m. (in residential areas - about 600 rubles per sq. m.). This can save on office space. A credit bureau does not need too large premises - at first, 15-20 sq. meters.

For office equipment it is enough:

• – working furniture and a computer for each specialist;
• – cabinets for documents and personal belongings of specialists;
• – furniture for visitors and clients

Be sure to equip the office with high-quality computer and office equipment, as well as the Internet and telephone.

Staff

Areas of 20 sq. m enough to accommodate three broker managers. This will be the composition of the agency's key specialists.

The salary of managers consists of a salary (6-10 thousand rubles) and a percentage of the transaction. On average, a manager receives from 0.5 to 1% of the amount of each loan issued. Each manager will need a desk, chair, computer, phone. A scanner, printer and copier (one for each) will come in handy. About 40 thousand rubles will have to be spent on the arrangement of one workplace. In addition to managers, the staff will need a system administrator and an accountant. The tasks that these specialists solve can be outsourced. An IT specialist can be an incoming one - he can perform his duties once every 3 months.

It is better to immediately hire an accountant. At the same time, it is worth providing good salary so that this specialist pays sufficient attention to the agency.

Finding a qualified manager can sometimes be difficult. Since the work of a manager involves filling out a lot of documents, the key qualities of a good employee are attentiveness and accuracy. The specialist must be well versed in the procedure for obtaining loans, be able to assess the solvency of the borrower.

The most common way out is to hire former employees of the credit departments of banks. Another option is to hire graduates of similar specialties (faculties of economics) for the position of manager and teach them in practice on their own. In any case, it is necessary to develop our own system of training specialists.

Documents: registration and license

The need to obtain a brokerage license is provided for by special Decree No. 739 (. According to regulations, it will be mandatory to have on the balance sheet of the company equity(other than loans). The amount of such capital must be at least 10 million rubles. In cases where the agency is engaged in brokerage services in the securities market, such a minimum figure is 50 million rubles. In addition, when applying for a license, a state duty in the amount of 20 million rubles will have to be paid.

The basic rules relating to brokerage are set out in federal law No. 39 "On the securities market" (). It defines the concept and measures of broker qualification.

The license is valid for 3 years. Then it needs to be updated.

The package of documents submitted for obtaining a license is as follows:

• - an application with a completed questionnaire;
• - copies of all constituent documents in accordance with the registered form of the enterprise;
• - a copy of the document confirming the registration of the new organization with the tax authority;
• — payment order on payment by the founder of the state fee;
• — a copy of the balance sheet as of the last reporting date, including a copy of the statement of all profits and losses up to the last reporting date;
• — copies of documents that confirm that all employees have the appropriate qualifications and, if necessary, a brokerage license;
• - a certificate of persons who are members of the board of directors or other governing body of the structure;
• — copies of personal documents of all founders and a number of other documents. The exact list is subject to change in accordance with new regulations or depending on the territorial factor. Therefore, the composition of the package of documents in each case must be learned separately.

Another important requirement is that, according to Decree No. 32 (), a brokerage company is obliged to keep strict internal records of all transactions made in the interests of clients.

In addition to a special license, the registration of the company as a subject entrepreneurial activity. In the case of a brokerage agency, the only possible option would be a legal entity. The most appropriate form is LLC. Registration of an organization with limited liability involves a separate procedure carried out by contacting the Federal tax service. There you also need to fill out a special form. In it, in addition to the personal data of all founders, you must provide the official name and legal address of the company, indicate the type of activity, which is confirmed by the provision of the OKVED code. The required code can be selected according to the current classifier.

To the main regulatory documents, which you will have to contact before opening a brokerage company, belong to:

Financial part

The revenue forecast is an important part of the plan. Income is determined based on the results of cost calculation and analysis of the existing pricing policy in the market.

The average amount of a loan issued through brokers, according to experts, reaches 250-350 thousand rubles. Loan brokers are approached by people interested in large loans. In this regard, it is immediately necessary to develop an optimal loan product that will be profitable and in demand for all parties.

The most popular consumer loans. In second place in popularity are loans for the purchase of used cars. The lowest demand at the moment is for mortgage lending support services.

Credit bureaus have two systems of payment for services. The first is to charge the client interest on the amount of the loan. The second involves a fixed fee. If the bank refuses to lend to the client, the company does not receive payment for the services. This is one of the main risks. On average, full support until the loan is received costs the customer 5-10% of the loan amount.

The income forecast is made taking into account following factors:

• – analysis of demand in the market of brokerage services, study of consumer needs;
• — the results of the analysis of the market for the provision of relevant services;
• — general conclusions regarding the state of the brokerage services market.

In the calculations, the lowest profitability threshold is used, which will avoid serious errors in determining the cost and payback period of the business.

For the first 24 months of the agency's operation, the revenue forecast will look like this:

Period	Type of service	Volume of sales of services for 1 month, pcs.	Price	Sales proceeds, rub.
1 – 12 months of investment		2 — 3	0,094 – 1,5%	2 220 000
1 – 12 months of investment	broker commission	2 — 3	From 13% per annum	1 200 000
	Reward for trading operations	To 10	0,094 – 1,5%	2 500 000
13 – 24 month of operation	broker commission	To 10	From 13% per annum	1 345 000

If the current market growth trends remain at the same level (12-15% per year), the annual growth in sales volumes will reach 41.6 million rubles. This will be possible subject to the availability of highly qualified specialists and a well-thought-out strategy for the company's activities.

The expenditure part of the business plan involves the calculation of start-up costs and all further expenses for maintaining and developing the company's activities.

Item of expenses	Monthly expenses	Yearly expenses	One-time costs	Total expenses for the year
Rent (purchase) of premises (from 100 sq.m)			1 500 000	1 500 000
Purchase of equipment		2 500	30 000	30 000
Acquisition of a brokerage license			5 000 000	5 000 000
Own funds		10 000 000		10 000 000
Purchase of computer equipment			270 000	270 000
Website development, hosting, buying scripts			120 000	120 000
Advertising expenses	50 000	600 000	100 000	600 000
Salary	1 900 000	22 377 000		22 377 000
taxes	561 000	6 729 000		6 729 000
Unexpected expenses			702 000	702 000
Total	1 918 000	32 980 000	7 722 000	40 599 000

The payback period directly depends on the quality of the broker's work - this is the opinion of most experts. According to experts, at first, a new market participant can count on only 15-20 visitors per month. But subject to a high level of professionalism and a competent marketing campaign client base growing fast. Good job managers, active advertising campaign and a good location of the office guarantee the loan broker an increase in the number of clients by 20% per month. If this rate is maintained, the agency will pay for itself in three to four months.

One of the items on the expenditure side of the plan is taxation. As a rule, the expense items here will be standard:

The financial year traditionally begins in January. Accordingly, from January 1 of each year, all tax deductions that the company will pay to the budget are calculated.

What risks are expected by a brokerage agency?

Any activity related to financial transactions, banking and securities, is highly risky. The most significant risks for a brokerage agency will be:

• — unstable situation in the financial market;
• — high threshold for entry into the market;
• - lack of trust from potential customers;
• - Increasing competition.

The high level of costs and the possibility of financial losses are the most important and dangerous risks that prevent many new companies from staying on the market for more than a year. To prevent this danger, it is necessary to make accurate financial calculations, taking into account the profit with the lowest threshold of profitability.

How to announce yourself in the market? Marketing and Advertising

Marketing research will begin with a study of the relevant industry. First of all, we are interested in the development of this line of business and its prospects. Therefore, first of all, they pay attention to the level of demand and competition.

Two severe crises in 2008 and 2013-2014 had a significant negative impact on the state of the market. Despite the fact that since 2013 there has been a strong decline in the state of the industry, since 2015 there has been a rise and an increase in activity in this direction. And since the success of brokerage market participants depends on the state of the national and world economies, exchange rates and other economic and financial features, a marketing campaign involves a serious analysis of all possible directions.

The peculiarity of credit brokering in our country is that it only appeared in Russia several years ago. This means that for development in this direction it is necessary to make significant efforts, since the experience in this direction among domestic enterprises is minimal. At the same time, there are still few strong competitors in this business.

The second negative aspect is underdeveloped demand. Citizens in private are poorly informed about the possibilities of brokering, therefore, so far they rarely turn to specialized agencies, choosing the services of private specialists as a last resort.

According to preliminary estimates, mortgage brokerage is really actively developed at the moment. Other areas still require intensive development.

The fact that the supply market in the country is developing much more actively than demand. Therefore, the primary task for today is to develop a set of measures to form consumer opinion and create a conviction among potential customers that they can only get the service they need in a particular agency. This can be achieved, in addition to providing highly qualified services, with the help of a professional advertising campaign.

The most effective for brokerage is recognized outdoor advertising. At the start, it is enough to order a few billboards which will be located near the office. The placement of advertising messages in metro trains and other public transport. But such advertising attracts only a certain category of the target audience.

Second effective method, which is actively increasing its potential - promoting its services via the Internet. Be sure to create your own agency website. It will contain information about services, contacts of the organization and "general educational" articles about types of loans and their features. In order for the site to be working, it is worth entrusting its development and promotion to a specialist who will be responsible, among other things, for optimization in search engines.

At the same time, one of the most effective and reliable ways to attract and retain customers is considered to be the creation of a positive reputation in the market.

Speaking about the growth of the industry now and in the future, as of today, analysts call an indicator of 12-15% and up to 20% according to forecasts for 2019. For Moscow, the deficit of enterprises of this type of activity is estimated at 1,500 units. In general, in Russia, this figure is at a level of just over 5 thousand.

According to the business plan, the project to open and develop a brokerage agency will be profitable and promising idea. Main conditions successful creation and the functioning of the company will be the availability of credit and own funds of the founder, as well as the opportunity to select a team of highly qualified specialists. The main thing that the head of this business needs is good organizational and personal qualities, as well as in-depth knowledge of the chosen field. Success will largely depend on the ability to plan all stages of the business and anticipate possible risks and difficulties.

Some nuances and mistakes of brokers are in the video:

The ability to trade securities is highly valued in the field of economics related to the management of financial and material assets. If you have the necessary knowledge and experience, or you have excellent organizational skills and are ready to form a team of professionals capable of providing services to clients in the financial market, then you will be interested in this material on how to open a brokerage company and start making money on your own.

How does a brokerage company make money?

Stock market The RF is just beginning to take on a safe form. It is the format laid down by the legislator in 2016 that will allow the owners of securities issued by Russian issuers to freely trade this asset and earn on it.

However, despite the fact that there has been no noticeable revival in this niche so far, brokerage companies are still opening and operating in many cities of Russia. What do they live on and how do they earn?

The broker can trade currencies, large quantities of goods, businesses and many other liquid assets that the owners put up for auction.

The broker receives income (percentage of the transaction) on the following operations:

• purchase and sale of assets on exchanges in the interests of the client;
• search for buyers for liquid assets, as well as search for sellers who want to sell property in demand on the market;
• organization of seminars and training for newcomers and potential investors.

Companies do not have to specialize in one type of activity, an active and professional team can carry out the whole range of activities, thereby increasing the turnover of the company.

How to start a business

How in each case it is better to open a brokerage company depends, first of all, on starting opportunities.

Main formats:

• own company (LLC). If you choose this option, you will benefit from information about and what may occur;
• representative office or branch of an existing broker;
• launching a franchise brokerage company.

Most often, by the time a decision is made at the start in the financial market, an entrepreneur already has certain achievements. The main goal at this stage is to use the existing material as efficiently as possible.

Having your own company will be a good start for a broker who already has experience in the stock, commodity and currency exchanges. And also, which has enough capital to start, and has connections in the business world, thanks to which you can start working actively from the first days of opening.

Representation is the best solution for an entrepreneur who already knows how to work with assets on different exchanges, but who does not have the money to start on his own. Good way with such sources, open a brokerage company - present your projects and business plans to an already operating brokerage firm and convince management to create a representative office.

If a businessman has no experience, but has a desire to become a broker and finances to start, then the right decision would be. The franchisor will train, install special software, and at first will actively help in mastering the direction.

Brokerage office opening costs

Starting administrative and organizational costs will amount to about half a million rubles. This amount includes registration and obtaining licenses for the activities that the company will be engaged in.

At independent discovery brokerage company costs can be about two million rubles. This amount includes repairs in the rented premises, the purchase of furniture and multimedia screens, the organization of three computerized workplaces with an installed trading program.

Due to the fact that success is part of the broker's image, repairs, equipment and furniture in the office should be tastefully selected and provide comfort to visitors. Read what features it has.

To accommodate the company, a room from 50 to 100 square meters is suitable. m. Location - the active business center of the city.

Special attention should be given to the staff. Employees must be experts in their field and reliable people, with a minimum predisposition to official violations.

Monthly expenses - about 500 thousand rubles. This amount includes wages, equipment maintenance and rent. In the case of a successful month, the cost of wages may increase due to the payment of bonuses.

For you, we have collected a lot of ideas that can make a profit in the service sector. Read . Organizational moments and ways to attract customers.

Can be a great source of income.

Services social sphere are also in high demand, consider . Find out what qualities and resources you need to have to succeed in this industry.

We attract clients

As in any business related to the provision of services, the most difficult thing in the brokerage business is to find and retain a client. The situation is further complicated by the fact that in this case the client must entrust his money or securities to the intermediary.

Despite the fact that Russian investors are experiencing another crisis, an increasing number of people are thinking about how to invest money profitably. And the task of the brokerage company is to convey to the target audience that the broker has all the tools to ensure that the investor's capital is placed as efficiently as possible and makes a profit.

For these purposes, explanatory work is carried out, seminars and conferences are held, brokers work online and help potential customers see the benefits of working in professional markets.

Attention! In addition to the influx of investors, explanatory work can also serve as an additional source of income. By setting a small fee for engaging with potential investors, a brokerage company can receive up to 100 thousand rubles of income per month.

Before opening a brokerage firm, you need to understand for yourself: what kind of profession is this? A broker is a person who acts as an intermediary between a seller and a buyer. There are many directions in this business: customs, insurance and others. Earnings in intermediary companies are the commissions that she receives for a completed transaction.

Three ways to open a brokerage company:

1. Organize a branch of an already existing large Russian or foreign company.

2. Conclude an agreement with a large firm, becoming its agent.

3. Create your own brokerage company.

The third option will be the most difficult. But you should not be afraid. If you have some ideas for an intermediary business, then you should first think about which company is better to open. Many young people ask: how to open an appraisal firm, or how to open an insurance brokerage agency. The entire opening process is prescribed in the Order dated March 16, 2005, issued by the Federal Service for Financial Markets.

Stages of opening a company:

• Obtaining a license to provide brokerage services. To do this, just fill out a special form and submit an application. It is recommended to register a Limited Liability Company.
• Providing documents on registration of a legal entity and on registration with the tax service.
• Acceptance of several lists that were established by the FFMS.

If you decide to open a branch ready-made company with a brokerage license, everything is much simpler. Enough to convince management company that your mediation business ideas will be successfully implemented and result in significant profits. Only in this case, the head office will agree to bear the considerable costs of servicing the newly created branch.

It is even easier to conclude an agency agreement. In this case, you get the opportunity to use the brand of an already well-known company. Income is divided 50X50 between the founder of the branch and the parent company.