Fashion, Lifestyle & Retail

Business and financial plan for fashion and retail: inventory and margin, calculated honestly.

Label, online shop or store: planix calculates inventory, margin after returns and break-even – as a plan for your bank and lender.

Inventory, margin, break-even – your plan for the bank.

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Geschäftskonzept · Rüfenacht Wohnwaren GmbH

1Zusammenfassung

Die Rüfenacht Wohnwaren GmbH eröffnet in der Branche Mode, Lifestyle und Handel im Berner Lorrainequartier einen Laden für Schweizer Design mit Onlineshop und Einrichtungsberatung. Das Angebot richtet sich an Haushalte im Raum Bern mit Interesse an Wohnen und Design, die regionale Produkte heute auf Messen, Märkten oder in einzelnen Webshops suchen. Anders als das Einrichtungsgeschäft in der Altstadt und die grossen Möbelhäuser führt der Laden ausschliesslich Schweizer Design, und anders als die Designmärkte ist er das ganze Jahr offen. Die Einnahmen stammen aus der Marge auf den Waren im Laden und im Onlineshop sowie aus den Einrichtungsberatungen. Hinter dem Unternehmen steht Selina Rüfenacht, Detailhandelsfachfrau EFZ und Gestalterin HF Innenarchitektur, mit acht Jahren Erfahrung in Einkauf und Filialleitung eines Einrichtungshauses.

Business and financial plan · Selina Rüfenacht

Example · Bern

1Executive summary

Rüfenacht Wohnwaren GmbH is opening a concept store for Swiss design, furniture accessories and home textiles in Bern’s Lorraine district and also sells the range in its own online shop.

Capital requirement: CHF 196’842
Revenue 2027: CHF 420’195
Net result 2027: CHF -43’124

Revenue year 3	CHF 634’637.00
Break-even month	09.2027
Lowest liquidity in the planning horizon	CHF 63’730.00
Equity ratio year 3 (in %)	54.4 %

Debt service
Equity ratio
Leverage
Private needs

PDFPDF · 30 pagesXLSExcel · 8 sheetsDOCWord

In retail, stock ties up the money before the first customer pays

A collection is paid for months before it sells, returns and shipping come off the margin. planix calculates inventory as a separate item and shows when the second collection is due – before the first is paid for.

What carries the plan in this industry

Rules in detail

Revenue

Orders and basket

Orders times basket value per channel – shop, pop-up, retailers –, less returns.

Costs

Cost of goods, shipping, returns

The margin decides: cost of goods, shipping, fees and returns as separate items.

Capital

Inventory and pre-financing

The first collection and opening stock are the largest part of the capital required.

What your bank and lenders check first

1
Margin after returnsWhat is left after cost of goods, shipping, fees and returns – with industry benchmark.
2
Inventory and turnoverHow long stock sits and when the next order is due.
3
Cash flow before the second collectionThe lowest point usually comes before the second order – the reserve must be enough there.
4
Equity and collateralStock is hardly any use as collateral – equity and guarantee count more.

Metrics that appear in the plan

Basket value
Orders per month
Return rate
Gross margin
Inventory turnover
Cost per order

Where you submit

Your bank for working capital loan and stock financing
Start Up Loans (British Business Bank)
Landlord for shop space or pop-up
Suppliers for payment terms

Industry benchmark from: Office for National Statistics, Department for Business and Trade, ONS Business demography, Eurostat, Companies House, Web research

Typical financing

Equity plus guaranteed working capital loan

In retail, the stock carries the risk, not the balance sheet: equity for the first collection, a guaranteed working capital loan for stock and ramp-up. The plan shows how much loan the second collection needs.

In retail, the stock carries the risk, not the balance sheet: equity for the first collection, a guaranteed working capital loan for stock and ramp-up.

Which package fits

Business & financial planning Pro

The concept is free: venture, range, target group and competitors. Business & financial planning Pro (£39) calculates inventory, margin, cash flow and viability.

View pricing

FAQ

Frequently asked questions from the sector

How does planix calculate returns and shipping?

As separate items: return rate, shipping, packaging and payment fees come off revenue. The margin after returns is in the plan with industry benchmark.

I also sell through retailers. How does the margin get into the plan?

As a separate offer with the retailer price and sales per month. So you see whether the channel is worth the pre-financing.

Does the bank accept stock as collateral?

Hardly. The plan counts equity, guarantee and private collateral at lendable value and shows the security gap openly. A loan under the Growth Guarantee Scheme can close it.

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