37 types of business

Retail and consumer brands financial models, built free.

Models for shops, online stores, cafés, franchises, consumer brands, drinks and wholesale: see how each one works, then get yours built free.

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01 / 06

Shops and stores

15 types of business

Supermarket financial modelSells groceries, fresh food and liquor through supermarket formats plus an online home-delivery and click-and-collect channel, earning a thin gross margin on high volumes with negative working capital.Sample in Excel · live preview
Clothing retailer financial modelDesigns or buys fashion, footwear and accessories (mostly imported in US dollars) and sells them through its own stores and website, earning a high gross margin that depends on sell-through and markdowns.Sample in Excel · live preview
Specialty retailer financial modelSells a focused category (consumer electronics and gaming, sporting goods and outdoor, beauty, books and stationery, toys, crafts and hobbies, homewares or auto parts) through stores and online, earning merchandise margin plus supplier rebates, services and warranty income.Sample in Excel · live preview
Large-format retailer financial modelSells furniture, electrical goods, hardware and homewares from large-format stores and online, adding income from delivery, installation, extended warranties and consumer-finance commissions.Sample in Excel · live preview
Department store financial modelSells apparel, beauty, homewares and general merchandise in large multi-level stores, partly through concession operators that pay a commission, supported by a loyalty program and online sales.Sample in Excel · live preview
Discount variety store financial modelSells apparel, homewares, toys, seasonal and everyday general merchandise at low prices through large-format discount department stores and small-format variety or dollar stores, mostly direct-sourced own brands bought in US dollars, earning a modest margin on high stock turn and tight store costs.Sample in Excel · live preview
Warehouse club financial modelCharges an annual membership fee for access to very large warehouses selling a limited range of bulk groceries, general merchandise, fuel and services at a low markup (around 10–14%), so membership fees earn most of the operating profit and renewal rates are the key driver.Sample in Excel · live preview
Service station and convenience store financial modelOperates service stations and convenience stores — company-operated, commission-agent or dealer sites — earning a cents-per-litre margin on fuel volumes plus a higher-margin shop, food-to-go, car-wash and EV-charging business (refiners and fuel importers sit in energy).Sample in Excel · live preview
Liquor retailer financial modelSells beer, wine and spirits through destination liquor barns, convenience bottle shops, drive-throughs and online, earning a margin lifted by exclusive and private-label brands and supplier promotional funding, with store growth limited by liquor licensing.Sample in Excel · live preview
Hardware store financial modelSells hardware, building materials, garden and home-improvement products from warehouse stores and trade centres to DIY customers and to trade customers on credit accounts, with demand tied to housing turnover, renovation spending and building activity.Sample in Excel · live preview
Pet store financial modelSells pet food, accessories and live animals through large-format stores and online (with repeat-delivery subscriptions), adding grooming, veterinary consults in store and pet-insurance commissions (standalone vet groups sit in healthcare).Sample in Excel · live preview
Jewellery store financial modelSells fine jewellery, engagement rings and watches through mall stores and online, with high gross margins, slow-turning stock whose cost follows gold and diamond prices, a large share of sales on in-house or third-party consumer credit, and repair and protection-plan income.Sample in Excel · live preview
Optometry and eyewear store financial modelSells prescription glasses, sunglasses and contact lenses from optical stores, earning eye-test fees (largely bulk-billed Medicare rebates in Australia) and high product margins, often through joint-venture partner or franchise store owners.Sample in Excel · live preview
Second-hand retailer financial modelBuys, takes on consignment or receives donated used goods — clothing, electronics, luxury, furniture — and resells them in stores and online, earning a margin on the buy price or a consignment commission, sometimes alongside pawnbroking and small personal loans.Sample in Excel · live preview
Duty-free retailer financial modelRuns duty-free and travel-convenience stores in airports, ports, cruise terminals and border crossings under concessions, where sales follow passengers × penetration × spend and concession fees are a share of sales with a minimum annual guarantee.Sample in Excel · live preview

02 / 06

Online and direct to consumer

4 types of business

03 / 06

Cafés and franchising

2 types of business

04 / 06

Consumer brands

9 types of business

05 / 06

Drinks and tobacco

4 types of business

06 / 06

Wholesale and distribution

3 types of business

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