First of all, you calculate how many customer resources you have, and conservatively estimate how much net profit these customer resources can bring you a year. It is not cost-effective to recalculate the loan plan because the monthly cost of the loan requires interest, which increases a lot. If there is a fixed customer resource, I think the loan is cost-effective, and the investment is long-term, but there are many ways to borrow, such as.

1: private lending

Private lending is more flexible. After the store opens, you can engage in some activities to withdraw funds immediately, such as handling cards, ranging from 1000 to 10000, and playing membership cards with different discounts. This can bind old customers and ease the financial pressure.

2. Bank mortgage loan

The operation is the same, just a little more complicated than that of the people.

3. Contact several existing high-end customers and tell them about the store upgrade, or let them invest, or apply for VIP cards in advance.

The above is the way to borrow money, or we can invite people to take shares and cooperate to open a shop, but personally don't agree with this practice.

The above personal humble opinion is for the landlord's reference.