Opening a clothing repair shop business plan. Profitable business: sewing workshop

The modern world has changed the concept of customers about clothes - cheap crafts from the Middle Kingdom, which in a year you won’t even let into rags, flooded the market and, naturally, no one will repair such things. If the jacket "dies" in half a year, then why buy an expensive thing - I bought a cheap one and changed it if desired. This is how half the population thinks, because income does not allow you to purchase expensive products, and repairing cheap ones is sometimes even more expensive. It will be difficult to develop your business in this market, but if you can overcome all the obstacles, then the clientele, and a constant one, will be provided. The business plan of a clothing repair studio implies several points, and now we will tell you how to start your own business in the right way, so that soon it will bring at least some income. To begin with, it is worth deciding on the type of atelier - it will be a repair shop or a company working on repairs and tailoring. The first option is less expensive and the competition here is many times lower, we will open this particular business.

Opening a clothing repair shop - the first steps

A small clothing repair shop can be placed in a room of 15 square meters and this will be enough. Such a room or basement can be found at an affordable price even in the city center. The advantage of the studio is that it is rarely searched for by large signs - most often they learn about repair shops from acquaintances, friends, and so on. In Moscow, a room of 15 sq.m. per month will cost you 15-20 thousand rubles, depending on how close to the center you choose the building. To begin with, we advise you to take the cheapest option in order to reduce costs. The room needs to be renovated, cosmetic, so that the client would not be afraid to enter you. Putting linoleum, sticking wallpaper on the walls and whitewashing the ceiling will cost 12 thousand rubles.

A novice entrepreneur should be pleased that when drawing up a business plan for a clothing repair studio, you do not need to obtain any special permits and go through inspection authorities for a long time. We register a company as an LLC, collect the founders and approve the authorized capital. After that, you can start working. You can collect all the documents yourself, but it will take time and effort, especially if you are doing this for the first time. You can pay a special company and it will collect the documents and register itself. It costs 3 thousand rubles.

What equipment is needed for a repair shop

In the business plan of a clothing repair studio, you should immediately add the cost of equipment. If the initial capital is tight, you can find used equipment on trading floors, where ruined workshops sell their equipment. For the normal operation of the workshop, you need to have at least one single-needle lockstitch machine, it can be reconfigured for different types of fabric and performs 70% of possible work with clothes. A new typewriter from a Japanese manufacturer costs 10 thousand rubles, from Chinese manufacturers is half the price, but if you want to work in this area for a long time, it’s better to buy a Japanese typewriter right away. A used machine from a Japanese manufacturer will cost 5 thousand rubles. Considering that we don’t have a large flow of customers yet, we will buy one.

In addition to the machine, we also need materials for repairing clothes. Buying everything you need is a very difficult task - customers are different and it is almost impossible to choose fabric and thread for each. We will buy the basic materials that are most often required - threads of different colors, dogs, a little plain fabric. Materials will cost 4 thousand rubles if you buy a little bit of everything. Your fantasy may not stop there, but you need to calculate the money - still hire a professional. And closer to winter, you will need a machine for more durable fabrics, which is also not cheap.

In addition, you need to buy a table and a chair for the master, as well as a cabinet for materials in the room. We will not show off much and buy the simplest furniture in the amount of 6 thousand rubles.

Repair shop staff

At first glance, it may seem that finding a seamstress with experience will be difficult and she will require a huge salary. This is an erroneous opinion - you can’t even imagine how many women of retirement age will agree to work in this position for 20 thousand rubles a month. The more experienced the seamstress, the better for our company, because the quality of services will be higher. The same seamstress will, at the beginning of the work of the clothing repair studio, take orders, record data in the ledger, and create a customer database.

When the flow of customers becomes constant and the seamstress will be constantly distracted from work on taking orders, you will need to hire another person who will only take orders and write data to the book. The salary for this work is 10 thousand rubles, not very big expenses, but at the beginning of work we don’t need them.

Secrets of finding clients for a repair shop

Without clients, you will not have money, so the first thing you need to think about is this. The easiest and most effective way will be viral advertising on social networks and among your friends. Let's take a closer look at these types of ads.

Almost every day, someone you know has a button torn off, a jeans fly broken, or a hood flying off a jacket. Print small business cards with the address and type of service provided, then give five to your friends and ask them to give more to their friends. When one of these people has a problem with clothes, the “friend man” instinct will work and the client will go to you, because he knows you and hopes for a good service for a real price. Feel free to hand out business cards to everyone, because someone can become a client. It is worth noting that if a person repairs his clothes, then he does it in the same workshop. Repair the jacket of your friend Vasya and he will work only with you. We will choose the simplest and cheapest version of business cards in order to make a lot of them and not spend a lot of budget resources - 2 thousand rubles is enough for this.

Viral advertising on social networks works quite productively. Each city has a couple of Vkontakte or Twitter-re groups, where people constantly go to chat and watch the news. You can buy an advertising post from the owners of the group - it will cost 300 rubles, but people will learn about you and may be interested in your services. Also, do not hesitate to periodically write in the comments of these groups, advertising your atelier for tailoring. Let only twenty people see the comment, but you will not stand still. Advertising posts should be given every three to five days, so that advertising works and does not bother. The advertising budget will be 3 thousand rubles.

Clothing Repair Shop Business Plan: Costs and Potential Earnings

Let's start the calculation of the costs of the studio from the start-up costs. The first thing we will spend on is the registration of the company - 3 thousand rubles. We need to renovate the rented premises and buy furniture for a typewriter. Repair will cost 12 thousand rubles, furniture 6 thousand. Now it's time to spend on buying a machine for repairing clothes and on materials. A used car costs 5 thousand rubles, materials will cost 4 thousand. Also, starting expenses should include 2 thousand for printing business cards. The total price tag is 32 thousand rubles to start.

Now let's calculate the costs of the operation of the enterprise. The seamstress's salary will cost us 20,000 rubles a month, and the rent of the premises will cost at least 15,000. Here we add the cost of advertising - 3 thousand rubles a month. The total operating costs amount to 38 thousand rubles.

People are constantly in need of new clothes, so the business of making and repairing them can be a very profitable idea. But, as in any other business, this has its own subtleties and secrets. Let's try to figure them out.

Features of the sewing business

When opening an atelier for tailoring and repairing clothes, you should not expect quick profits. At first, the income will be spent on purchasing the necessary equipment, because it is quite expensive to purchase everything at once. Expenses also depend on whether you will rent or buy a room.

One way or another, investments should be serious enough. The average tailoring business plan for a small business assumes that the establishment will pay off in a year. If you plan to deal only with repairs, it will be much cheaper to start a business. In this case, the room may be smaller, and only a couple of sewing machines will be required from the equipment.

Opening an atelier is a little more difficult, because it requires more employees and special devices. In general, a stable income can be expected from a sewing workshop of any format, even if its level is not very high.

Format selection

Before starting work, it is worth deciding how wide the profile of the institution will be. At the initial stage, you can deal exclusively with repairs, but in the long run it is not very cost-effective. Therefore, it is worth deciding right away whether your enterprise will be narrow-profile or if you plan to cover a wide range of services. In the first case, you will need to try to achieve maximum quality in a particular area, for example, in tailoring wedding dresses.

The second will require more special equipment and staff. The best solution would be a combination of several types of services, for example, clothing repair, tailoring of accessories and outerwear. An experienced seamstress in an atelier should be a versatile specialist in order to work on any order, if necessary.

paper questions

Once the format of the atelier has been chosen, it is worth doing the paperwork. You need to start by determining the legal form, and then purchase or rent a room, where you can officially register. It is important to decide in advance whether you plan to open an individual entrepreneur or LLC.

For tailoring and repairing clothes, the first option is more appropriate, as it will be easier to keep tax records and accounting calculations. When choosing a line of business, indicate a mixed direction indicating such items as the provision of personal services to the population, the production of clothing from textiles, the repair of household products and personal items. You also need to register with a pension fund, get a work permit from the fire department.

Location selection

One of the important initial stages is the selection of premises. For the first time, it is best to rent a suitable territory, and in the future it will be possible to purchase it. It is best to choose a place where there are constant flows of people. For example, you can rent a point in a shopping center.

Another good option would be a tailoring and repair shop in a residential area or a workshop near a specialized fabric store. It is also not bad when there are household services nearby, for example, for making keys. This increases the likelihood that the client will stop by on the way there and to you. To begin with, a room up to twenty square meters in size will be enough. Try to find a place with the optimal ratio of the number of visitors and the amount of rent.

Purchase of equipment

The range of special tools and sewing machines is simply huge. Buying everything at once does not make much sense, it is better to buy only the most necessary. To get started, you will need a professional model sewing machine that performs various operations, an overlock with which edges and seams are processed, a hemming machine needed to process the bottom of skirts and trousers, a good steam iron for the studio and an ironing board, a cutting table.

In addition, you need accessories such as special scissors and rippers, needles, rulers, threads, measuring tapes and thimbles. You will also need a fitting room for the studio. When choosing equipment, try to purchase new and reliable models. After buying used devices, you will have to spend money on debugging and repairing them.

Furniture and interior details

In addition to sewing equipment, before you open a clothing repair shop, you need to purchase furnishings for it.
A cozy atmosphere will not do without good lighting and places for waiting customers, the administrator will also need a workplace.

Pay attention to the quality of lamps and ceiling lights - in dim light it is unpleasant and difficult to work. Furniture for a sewing studio should be as comfortable as possible, this also applies to tables for seamstresses and sofas for visitors. The fitting room should have mannequins and hangers on which clothes will be displayed.

Among other things, you will need a certain number of fire extinguishers. About how many of them you need, you need to find out from the fire safety service. Before starting work, you will also need special forms for receipts or a cash register that will print receipts. It is illegal to receive money for your services without documentary evidence of their provision; such activities are punishable by fines.

Recruitment

Even a well-thought-out business plan for a small business tailoring studio can be useless if the recruitment approach is wrong.

The success of an enterprise to a large extent depends on the level of the craftsmen who work in it, so experience and qualifications are of great importance. Pay attention to references from your previous job.

Tailoring has been and remains today one of the areas of business where there is not too much competition, "push", but at the same time it is possible to receive a stable high income. Especially if you are planning to open an atelier in million-plus cities, where there are many dandies and fashionistas who will not spare money to order exclusive high-quality clothes. The atelier's business plan assumes a focus mainly on a female audience: all calculations are made on the assumption that approximately 80% of clients are women.

Opening a tailoring workshop: first steps

First of all, you need to consider the accompanying infrastructure. Obviously, an atelier that makes expensive clothes from natural fabrics must have a retail outlet on its territory where customers can choose a good fabric for sewing a future frock coat or dress, purchase accessories and other trifles. In order to fully satisfy the needs of visitors, even before the opening of the atelier, contacts should be established with companies selling relevant goods, and, if possible, with online stores.

The business plan of the atelier takes into account that there will not be a constant 100% load of personnel and machines, and therefore it should be possible for the atelier staff to provide additional services for the repair of all types of clothing, sewing ready-made models for sale in retail stores.

Before starting a business, you need to decide on a place to display clothing samples. It is best if its area is at least 10 square meters. meters right at the entrance. To make the models look more spectacular, you need to purchase mannequins and make the right lighting.

When deciding on the opening hours of the atelier, it must be remembered that your clients will be busy and hard-working people, therefore, for their convenience, it is worth setting the working time to at least 19 hours on weekdays and up to 18 hours on weekends.

Requirements for the premises

It is expedient to open an enterprise on the streets with large pedestrian and car traffic, on the ground floor of residential buildings, as well as in business centers. A stand-alone building is not the best option, since your clients are likely to combine a trip to the atelier with a visit to nearby shopping or entertainment establishments. To open a business, a room of 40-45 square meters will be enough. meters, however, in the case of dynamic development, it makes sense to move to a larger office (up to 70 sq. m.), but in the same area. This will attract new customers and not lose old ones.

The studio should have three zones:

• Hall with a counter for receiving orders with fitting booths, where samples of fabrics, clothing and related materials are also presented;
• A room for cutting and tailoring things with a partition for ironing and pre-cutting processing of fabrics;
• Technical room with a bathroom, a pantry, a corner for rest and eating.

Particular attention should be paid to the place of work of seamstresses-cutters. A system of special lamps should be provided to illuminate each workplace from at least three sides. If there are no 380 V sockets in the room, it is better to take care of it right away, since many sewing equipment require just such a voltage.

In addition, the room should be well ventilated, the walls should be finished with a material that lends itself well to wet cleaning. It is highly undesirable to cover the floor with carpet or other similar materials, since it is very difficult to remove sewing waste from them.

If an open atelier receives a large number of orders, it makes sense to partially give them to craftsmen working at home, earning also on the mediation between the customer and the seamstress.

Initial investment

Note that opening an atelier is not cheap, even if you first purchase a minimum of equipment, and buy the rest in the process of business development. In addition, it is necessary to prepare the room in a special way. All costs are shown in the table below.

Many atelier owners purchase used equipment and furniture. This allows you to save up to 30% of their cost, however, when buying, the help of a person who understands the sewing business is desirable. He will be able to check the technical condition of machines and overlockers, as well as correctly connect them.

Preliminaries

Before starting work (about a month in advance), you should take care of advertising the company. The most effective will be posting leaflets within walking distance from the location of the studio, personal advertising in mailboxes, placing ads in local media and on TV, as well as advertising in partner trading establishments.

A successful advertising move is the offer of discounts on sewing and repairing clothes. Remember that it is worth starting the formation of a client base from the nearby area, gradually going out at the expense of advertising (and, of course, the quality of work) to more and more remote territories.

Recruitment

By the time the enterprise opens, you need to recruit a staff of 3 seamstresses, 2 cutters and 1 inspector. Moreover, cutters and inspectors must be interchangeable (engage in the work that needs to be done first), as well as perform the functions of clothing sellers in the atelier. Since the company will operate under a simplified taxation system, accounting services, as well as the work of a cleaning lady, should be outsourced. It is advisable to agree on cooperation with the designer, attracting him to one-time orders. The salary of seamstresses starts from 10,000 rubles, plus 20% of the cost of orders, the rest of the shop employees are on a fixed salary of 13-14 thousand rubles.

Expenses of the enterprise before reaching payback

It is assumed that the studio pays for itself in a year or a little more. Costs up to this time are shown in the table:

Note that these costs can increase or decrease by 10-15 thousand rubles, depending on the intensity of the studio.

Atelier profitability

The business plan assumes that on orders for the repair of clothes with an average order value of 320 rubles and 8 orders per day for a year, you can earn about 935 thousand rubles a year. Orders for tailoring, according to forecasts, will bring 1.825 million rubles a year (with an average order value of 2,500 rubles).

The projected profit from the operation of the outlet on the territory of the studio is 750 thousand rubles per year. Thus, the profit will amount to 3.51 million rubles per year. Excluding taxes and deductions to employees, the profit will amount to 2.1 million rubles per year. If an increase in the number of orders is predicted, it is more expedient to hire new employees, rather than increase the load on existing ones.

For your atelier to be successful, it is necessary not only to select highly qualified and experienced employees, not only to develop a client base, but also to engage exclusively in this type of business, without sharing it with others. Then the described commercial project will bring you not only the pleasure of work, but also a tangible regular income.

Dear visitors, below is an example of a business plan for an atelier for tailoring and repairing clothes with economic calculations. This template has been prepared by experts in business planning, and the calculations are prepared in Excel format, which can be adapted to your project.

If you have any questions about the preparation of a business plan or calculations, you can ask us by mail, below in the comments or in the VKontakte group.

Summary

Goal: opening a tailoring studio in the center of the city of Perm

Objectives: Opening a tailoring shop aimed at clients with higher than average incomes and providing these clients with quality services.

Initiator of the project

The initiator of the project is an entrepreneur who was previously engaged in this business on a self-employment basis. The entrepreneur decided to open an atelier due to the fact that the level of his clients is constantly growing, and it is already becoming bad to receive some clients in his apartment. In addition, the number of orders has reached such a level that he cannot cope alone.

Investment costs

The amount of investment costs will be 653 thousand rubles, which will be used mainly for repairs, purchase of equipment, tools and consumables:

• Business registration and obtaining permits - 38 thousand rubles.
• Repair of the premises - 230 thousand rubles.
• Purchase of equipment - 143 thousand rubles.
• Acquisition of a tool - 60 thousand rubles.
• Purchase of consumables - 60 thousand rubles.
• Purchase of furniture - 27 thousand rubles.
• Advertising materials - 94 thousand rubles.

As a space for the studio, it is planned to rent a room in a residential building converted into non-residential fund, which has a separate entrance overlooking the central street of the city.

Project financing

To ensure repair work, it is planned to obtain a bank loan for up to 7 years, at 15% per annum with an annuity repayment schedule. The apartment of the project initiator will be offered as collateral for the loan.

Project payback indicators

Based on the constructed calculation of the business plan of the atelier for tailoring and repairing clothes, the following project performance indicators were obtained:

• NPV - 3,658 thousand rubles;
• - 1 year;
• - 1.25 years (- 13.7%).

The calculation was based on a period of 10 years, the calculation was based on an inflation rate of 10%.

Suppliers and contractors

As a repair team, local workers will be used, who have offered the best conditions for the price and quality of work, and also have letters of recommendation, a website, and positive reviews.

As a supplier of equipment, tools and consumables, a company will be involved with which the entrepreneur has been working for a long time and from which he had previously taken equipment. There is an agreement on the supply of equipment at a 50% prepayment, which will reduce the initial investment in the business.

Services

The atelier will offer its clients the usual set of services for tailoring, repairing and restoring clothes:

• Tailoring and restoration of fur products;
• Tailoring and restoration of leather products;
• Tailoring of women's products from fabric and knitwear;
• Tailoring of men's products from fabric and knitwear;
• Tailoring of evening dresses;
• Tailoring of suits;
• Clothing restoration.

ATTENTION!!!

Practice shows that by ordering a business plan from specialists, you will save time, increase the quality of the finished document by 4-5 times and increase the chances of receiving investments by 3 times.

Investment plan

Investment size

The amount of investment in the opening of an atelier for tailoring and repairing clothes will be 1,070 thousand rubles. The cost breakdown is shown below:

Investment payment and work plan

The payment plan for investment expenses is presented in the table below (thousand rubles):

The work plan for the opening of the atel is presented in the diagram below:

room

For the atelier for tailoring and repairing clothes, a separate room was selected, located in a residential building, but having a separate exit to the central street of the city. In addition, the room has a showcase where you can display finished products and promotional materials. The layout of the room is shown in the figure below:

Below is the layout in 3D format:

Equipment

For work, equipment was selected that, according to the experience of the project initiator, has the best price / quality ratio, and is also the most maintainable and has the fewest failures.

All purchased equipment is industrial, it was immediately decided to abandon household sewing machines due to the fact that they quickly fail. Frequent failure slows down the work of the workshop - you have to give it in for repair, wait several days, and sometimes weeks until the spare part arrives. As a result, it negatively affects the company's revenue.

Working hours

For the convenience of customers, the opening hours of the atelier for tailoring clothes were made similar to the opening hours of clothing stores and shopping centers - from 10-00 to 21-00. This is due to the fact that clients with above average incomes are quite busy people and cannot afford to leave work during the working day. And so, after 18-00 there is a lot of time to get to the studio and hand over or pick up clothes.

Service delivery process

The process of rendering services of our atelier does not differ from the process of other ateliers. Quite simply, it can be described as follows:

1. The client comes to the studio and makes an order (in the order he describes what he wants, provides the material);
2. The designer, together with the technologist, calculates the cost of the work and tells the client.
3. If the client agrees, he makes an advance payment of 50% for the work.
4. Taking measurements from the client.
5. The material is being purchased.
6. The material is cut.
7. The product is being made.
8. The client comes to the first fitting.
9. After fitting, the clothes are finalized.
10. The client comes for the second fitting and if everything is fine, he takes the clothes and pays the remaining amount for it.

Cost of services

The main cost of the services provided is the wages of the working staff. Thus, it is planned that 60% of the cost of work will be given to piecework wages, taking into account taxes. They will be distributed differently among workers depending on the product being made, but the total amount will not change.

Marketing plan

Competition and location

The city has a large number of competitors located in different areas of Perm. However, even in spite of this, we can be sure that the project is off to a great start, since the project initiator already has regular customers who will come to the new atelier. Secondly, the company's office is located in the very center of the city, which allows it to be quite visible and attract an additional number of customers.

The studio office is located in the quiet center of the city. On the one hand, this allows you not to overpay for office rent, and on the other hand, to be in the very center and get the largest number of clients.

Range of services and prices

As part of pricing, the prices of the city for the provision of atelier services were analyzed with their division by the level of service provision. To simplify the analysis, prices are translated into an hour of work on the product. The comparison is presented in the table below (rubles/hour):

Based on our office, service quality and location, we will target clients with higher than average incomes. In this regard, we plan to set prices at the level of similar high-class ateliers, namely, according to the last column of the price analysis in the city. Based on this, we can calculate the average price and margin for all types of services, taking into account the planned sales structure. The calculation is presented in the table below:

The sales structure is shown in the chart below:

Volume of sales

The average check of such similar studios is 1,000 rubles. About 30 job applications are expected per day. Thus, it turns out that the average monthly revenue of the studio is 750 thousand rubles. However, there is a slight seasonality in the tailoring business, which is shown in the chart below:

In addition, we will not be able to immediately reach such a sales volume. Since the opening, it is planned to gradually increase the volume of sales of services and achieve the optimal level of sales volume previously indicated only after 8 months. The schedule for reaching optimal sales volumes is shown in the chart below:

SWOT analysis

Strengths

• The presence of a professional team and the presence of a project initiator with extensive experience in this business
• Good office location
• New equipment

Weak sides

• Lack of market awareness

Difficulties

• The segment in which the atelier plans to work is the most complex. Clients are quite demanding not only on the quality of work, but also on their attitude towards themselves and the conditions of fitting.

Possibilities

• There is a possibility of expansion both in terms of the number of services already provided, and in terms of expanding the range of services.

Advertising strategy

For the fastest possible increase in sales, bringing the business to payback and loading the production staff, we will use advertising support. The campaign plan is shown below:

• Making a bright luminous sign - 60,000 rubles. (planned in the investment budget);
• Making a website and groups in social networks, where a list of services provided, prices, interesting works, contacts and other information for clients will be posted - 7 thousand rubles;
• After the launch of the atelier, contextual advertising will be actively used to attract customers - 5 thousand rubles per month;
• For our new customers, accumulative cards will be issued, which, with an increase in the number of purchases, will give more and more discounts to customers.

organizational plan

Business form

For the official work of the business, it is planned to register the project initiator as an individual entrepreneur, which will save on registration costs. It is planned that the enterprise will work on a simplified taxation system according to the “income minus expenses” system.

Personnel and staff structure

For the full-fledged work of the atelier for tailoring and repairing clothes, it is planned to hire the following employees: seamstresses, cutter, designer, cleaner, accountant (on outsourcing). The number of staff and salaries are presented in the table below:

The organizational structure of the enterprise is presented in the diagram below:

Financial plan

Prerequisites

To prepare the calculation of the business plan for a tailoring studio, we built a project payback model for 10 years in advance. The following assumptions were made to build the model;

• Annual inflation - 10%;
• Income tax - 15%;
• personal income tax - 13%;
• Social contributions - 34.2%;
• VAT - 0% (Simplified taxation system).

Project financing

To finance the project, a bank loan will be obtained for 10 years at 15% per annum with an annuity repayment schedule. This repayment schedule was chosen to minimize payments in the early days, when it would be hard for the business anyway. Differentiated payments create a very large burden on the business in the first years of its operation, when with small sales volumes you have to pay the largest amounts of interest.

Which is 490 thousand rubles. per month. According to the plan, our studio should reach this sales volume by 6 months after the start of work.

Project Sustainability Analysis

In order to determine the degree of influence of negative and positive factors on the activity of the atelier, we made an analysis of the sustainability of the project when the main indicators that affect the business change. We changed the main factors of income and expenses of the enterprise - the price of services (without changing the cost), fixed costs, the volume of investments and received the NPV indicator (an indicator reflecting the amount of project profit) with each change. The results are presented in the table below:

This analysis shows that none of the factors within our changes affects the project in such a way that it becomes unprofitable within 10 years.

Risk Analysis

Business plan calculations show quite good performance indicators. However, the development of the project may be affected by negative factors that we did not foresee in the model. Consider the most likely and most strongly influencing of them:

The fall in the income of the population is a very serious factor that can affect the amount of the company's revenue and the price of services. However, as we showed earlier in the sustainability analysis, in order for the project to become unprofitable, it is necessary that the prices of the services provided be reduced by more than 20%, and this is a significant enough decrease, the probability of which is quite small.

An increase in tax collections and non-tax deductions is a rather serious factor affecting the profitability of an enterprise, however, despite the fact that it can significantly reduce the income of a project, it certainly will not make it unprofitable.

conclusions

Considered in the business plan, the calculation of the payback of an atelier for tailoring and repairing clothes is very interesting both for the project initiator and for investors - private or credit organizations. In this connection, a loan can be allocated for this project on the conditions specified earlier in the document.