How to open a brokerage company. Three ways to open a brokerage company

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 any ideas 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 of a ready-made company with a brokerage license, then everything is much simpler. It is enough to convince the management company that your mediation business ideas will be successfully implemented and, as a result, will bring significant profit. 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.

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 accustomed to understand this term - it is intermediary services when trading securities. In accordance with the Federal Law "On the Securities Market" dated April 22, 1996 N 39-FZ ( new edition valid from 01.01.14) the broker makes purchase and sale transactions with financial instruments on behalf of the client, on its 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.

An agency agreement with a 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 in the region large firm 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. Usually beginners get through training seminars.

In order to understand the specifics of the work of a broker, first you need to figure out who is a broker? A broker is an intermediary between the seller and the buyer of shares, securities, etc. IN customs clearance a customs broker helps, in insurance operations - an insurance broker. Brokerage companies earn by taking their percentage of the value of the transaction, if the work done was successful or not. The broker always remains profitable and this is a big plus. These funds are the buyer's payment for the broker's service and access to the market. But how can one open such a brokerage company?

A private entrepreneur who wants to open a brokerage company can take advantage of three ways to make his dream come true: become an agent or sub-broker of a large brokerage firm, open a branch of a reputable federal or foreign brokerage company in his city, or create his own brokerage company.
Naturally, it is the most difficult thing to create your own company, and this whole process will be regulated by law by the Order of the Federal Service related to financial markets. This document will ensure that all brokerage activities are licensed. This process is not time-consuming, as it is only necessary to fill out an application and a questionnaire. Choosing between the formation of a limited liability company and the creation of individual entrepreneurship, experts recommend choosing the first option, because the private entrepreneur takes responsibility for all the movement of funds within the company, which means that the company's debts will also hang on it. But in the LLC system, the participants are responsible only for authorized capital companies.

IN Federal Service who is responsible for financial markets, you will need to provide documentation stating that you are registered as entity, and a paper providing information that you are registered with the tax service. This documentation is received at the tax office, together with a payment order, which confirms the payment of the state duty. Photocopies of the balance sheet calculated for the last reporting period and a statement of losses and profits are also required.
The last step in the creation of a brokerage company will be the agreement of the LLC participants, which means several lists created by the FFMS.

According to the order of the Federal Financial Markets Service of July 1, 2011 on the norms for the amount of funds of professional participants operating in the securities market, the meager authorized capital for an enterprise, which combines depositary, dealer and brokerage activities, should be eighty million rubles.
For an entrepreneur, everything is much easier if he opens a branch of a federal company. But this case is significantly costly, since all the money that will be spent on the branch will be the entrepreneur. Experts estimate the amount needed to open an enterprise at about one and a half million rubles. A third of them will go to the arrangement of the office, if it is rented. In the case of buying real estate, it will take about four million rubles.

It is also necessary to take into account the monthly costs of maintaining the enterprise, consisting of rent, advertising costs and wages for employees of the enterprise. It takes about half a million rubles a month to do this. It is not difficult to understand that a newly created company will need to prove that the opening of a branch will be profitable, and will cover the costs that will be incurred during its creation, and will continue to make a profit in the future. Therefore, you will be partnered with a company that has the ability to manage your business, provide you with advertising and money. And if all these conditions are met, then the employees and management of the branch will receive bonuses and rewards.
by the most the best option establishment of a brokerage firm, is an agency agreement. At the same time, a private entrepreneur will receive a ready-made analytical course and a brand of a popular brokerage company. The costs of creating this type of agency are much reduced, but the income that the branch will receive from its activities will be divided in half between it and the parent company.

• Costs for setting up a representative office.

Almost 300 thousand rubles will be spent on organizing an office: buying computers and furniture. When opening a branch software you can save quite a lot of money. The parent company can provide it for you for a small fee, or completely free of charge. According to experts, unforeseen expenses can arise when software depreciation is installed on computers, which is required when trading using the phone.

The office should also be equipped, in addition to computers, with a large TV set designed to view business channels. For the initial stage, eight jobs must be created, five of which are allocated to clients, and the rest to employees of the company. In the future, of course, we need to expand and increase jobs. The office should be divided into two zones: for clients and employees. There will be no business with a small room, so you need to look for a spacious room equal to about 50 m2. For such a room you will have to pay about 30 thousand rubles every month.
You also need to go to the office high speed internet and telephone, purchase copiers, scanners and printers.

• Maintenance costs every month.

About 300 thousand rubles will be spent on the monthly maintenance of the representative office. This includes wage workers: 30 thousand to the head, 20 thousand to his deputy, other employees 15 thousand each, which will be enough for 2-3 people to start. Advertising will cost approximately 150 thousand rubles, and besides, you will pay about 30 thousand for rent. But do not forget about bookkeeping and IT services. All this also requires costs.

• Personnel.

Despite the fact that experts recommend 2-3 employees who combine a manager, seller and trader to start the proper functioning of the office, most managers recruit more than 4 people of different specialties in their staff: seller, consultant, employee, trade specialist, deputy and leader. Two shifts work well enough.

Everyone chooses their staff differently and is guided only by their experience and the characteristic qualities of people who come to get a job. There are no special universities or technical schools that teach trading, so you have to use only this.
As is often the case, an accountant and a programmer are not hired, and work with computers is given to specialized companies.

• Clients.

It is best to focus on independent clients and direct sales to them. The smallest threshold for entering the market can start from 15 thousand rubles, but the broker earns only part of the interest on transactions. So there can be two ways here, either to find solid clients and receive a solid percentage from them, or to take a small percentage from small clients, but already in in large numbers. According to experts, on average, a client brings 250 thousand rubles, considering that there can be up to twenty people per month, and with the rise or fall of the market, the percentage of customers increases dramatically.
Clientele is attracted mainly through seminars that are free for beginners. Just 150 thousand rubles are spent on advertising and on them on the Internet and in the media.

• Income.

Experts are extremely cautious about the profitability of a brokerage firm. According to them, everything depends on the activity of customers and employees. Since the broker earns by receiving a percentage of transactions, it does not matter if the transaction is successful or not, the most important thing is that it was carried out. Therefore, the more transactions, the more and growing income.
Teaching clients can also become an additional income, and for some this component is more than half of all earnings.
The government, according to statistics, receives 50 percent of the revenues brought to it by parent companies. Part of this amount is left for remuneration and additional expenses.
If the company is working quite actively, then it can pay off in 3-4 months, while making a monthly profit of 200-300 thousand rubles.

Question from Myalkovsky Bogdan:

Greetings! There is a desire to open an intermediary company that will offer customers goods of interest at more reasonable prices. That is, to find a supplier, organize transportation and customs clearance with the help of appropriate logistics and brokerage companies in order to interest the client, optimize the costs that fall on the cost of production. But also make money on your own. So.

• How to get started registering this company so that customers have confidence at the initial stage of cooperation?
• What is the initial minimum capital required for registration and for further activities?
• What to do in a situation where the client has already agreed to our terms and signed a contract with us, and the cargo is already on its way, and suddenly refuses to deal? The goods remain with us or the client is obliged to pay for it and pick it up?

Hello Bogdan! The mediation business is quite interesting, I myself was engaged in mediation in some areas and continue to do so. As far as I understand, you want to deliver goods from China to small businesses? If yes, then everything is simple.

• Register as an individual entrepreneur and work under a service agreement (if you receive money for purchase, delivery, etc.) or a goods supply agreement (if you offer goods). In the appendix to the contract, indicate the name of the goods, etc.. You work on an advance payment of 50 before and 50 after (more confidence) or immediately 100% prepayment. For more trust on the Internet, make a good website with competent texts and commercial offer, try to bring to start some clients on the recommendations through friends in order to collect feedback and test the scheme of work.
• For registration of IP 800 rubles. duty + stamp + current account. How to register an IP, I wrote! Advertising costs, website development are purely individual, I can’t even say approximately (maybe you already have clients or you know where to find clients other than the Internet, etc..). You may need money to purchase goods, but here you already need to look at what scheme you will work with (100% prepayment or 50%). If 50%, then money for the purchase will be required, and their amount depends on the amount of the order and the volume of the client's purchase.
• In any case, you work on a prepaid basis and both options are beneficial to you. If you still have both an advance payment (50%) and a cargo, then you can sell the goods. It is impossible to work in such a business without prepayment at all. But in fact, the client does not want to lose his 50% and will not refuse the cargo, if he is of course a sane person.
• Plus I'll add my own! In this business, the main thing is not only to find a client, but also to properly prepare for the deal. If we are talking about large orders for hundreds of thousands of rubles, at least, then you need to approach the drafting of the contract very competently and here you can’t save on a lawyer! From an incorrectly drawn up contract, you can be at a loss, everything must be clearly spelled out! I didn’t mean to scare you away, I just warned you, because in any business, the rear must be covered.

If you have any related questions on this topic, ask in the comments!

Sincerely, Schmidt Nikolai

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.

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 in the 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, the founder is expected to have own funds 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 economic 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 authorization from management company. It is this document that will give grounds to brokers to fulfill their obligations;
• — reporting on the actions performed and receiving the payment stipulated by the contract.

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:

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 the places of accumulation potential clients- 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 key specialists agencies.

Managers' salaries consist 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 state will need 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 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 that confirms the registration of the new organization in tax authority;
• - a payment order on the payment of the state fee by the founder;
• — 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 may be changed 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 will be a legal entity. The most appropriate form is LLC. Registration of a limited liability company involves a separate procedure performed 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 the calculation of the cost and analysis of the existing pricing policy On 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 in this moment- 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 the 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:

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.

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 new member The market can only count on 15-20 visitors per month. But on the condition high level professionalism and 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: