Plan de empresa PRESTARMAS S.A.S

PRESTARMAS is a business idea born in Santiago de Cali, its purpose is to finance working capital for small convenient stores in the southwestern region of Colombia (Departments: Cauca, Valle del Cauca, Nariño and Eje Cafetero). This market segment has serious limitations regarding credit access, mainly due to the informality of their activity. When they need to finance their businesses, they do it through high interest and risk debts (Loan-sharks). The business idea is to workwith their usual replenishment centers (RCs), offering a credit line only to be used for buying merchandise to be sold in their stores. The client is then advised and informed about all conditions (Term, rate and amount), when the term is due the client pays through the strategic allies (RCs), generating a return on investment of 53,61% for the stakeholders in a period of five years, providing enough cash flow to keep the bussines running without external financial debt. As an aggregate value, the business will offer workshops to train the clients in relevant subjects such as market trends, management skills, tools and new technologies for the application of all these to their businesses. This will be done to contribute to a sustained growth of our clients. Finally, with the project is expected not only to create a sustainable business but also to impulse the formalization and growth of the convenient stores segment, providing easy access to work capital and training.