Retailers Forum Magazine September 2025

S

URCES FOR GENERAL & VARIETY STORES

retailers

www.retailersforum.com

FORUM

VOL. 45 NO. 5

SEPTEMBER 2025

Connecting Wholesalers and Retailers Since 1981

Manufacturing Quality Leather Goods for for Over Over

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NEW ITEMS WEEKLY - INVENTORY 50-75% OFF RETAIL

Ted Ted Baker- Baker- Bovine Leather

Floral Floral Crossbody $ $ 68.99

Michael Kors- Gold Chain Strap

Cole Haan- Ivory Leather

Leather Handbag $ $ 32.99

Cinched Tote Bag $ 118.99

Kate Spade- Small Bright Coral

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38.99 $ 3.1 3.1 Phillip Phillip Lim Lim - Leather - Leather & Metal & Metal

Studded Purse Purse $ 248.99

$ Hermes Hermes - Cobalt - Cobalt Blue Blue

“Kelly”

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Louis Louis Vuitton Vuitton -- Brown

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Gucci - Vintage Brown Reptile

Messenger

Messenger

Bag

Bag

W/

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Cindy

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Handbag

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Sherman

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Patche

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W/

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Fendi Fendi - - Tan Tan Monogram Monogram Print Print

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Satchel

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Trim $ 899.99

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Miu Miu Miu Miu - Pink - Pink Quilted Quilted “Vitello “Vitello

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Moschino- Tan & Brown Prada- Black Leather Bag Versace- Black Patent Versace - Metallic Gold Reed Krakoff - Color

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Shoulder Leather Snakeskin Bag $

w/ Piping $ 451.99 Snakeskin Shoulder Monogram Silk Jacquard Bag Block Leather

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Snakeskin Shoulder Monogram Silk Jacquard Bag Block Leather

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w/ Piping $ 451.99

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Kate Spade- Small Karen

Beauville Kate Spade- Leopard Small Bag Karen

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Beauville Leopard Bag $ 78.99

Bottega Veneta- Velvet &

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Brooks Brothers-

Brooks

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Dooney & Bourke- Tan

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Coach- Tan Monogram

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Canvas

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& Leather

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$ 33.99

Shoulder Bag $ 33.99

RETAILERS FORUM MAGAZINE | SEPTEMBER 2025 Page 3

Page 4 SEPTEMBER 2025 | RETAILERS FORUM MAGAZINE

This is a Buying Guide for

RETAIL STORE OWNERS

Presented within the pages are the latest offerings from the country’s

leading merchandise wholesalers. The advertisers herein sell strictly

wholesale and require that you purchase with the intent of reselling

through retail channels.

How To Use THis DirecTory

☛ Locate the products that interest you.

See our product directory located on

pages 6 & 7.

☛ Make direct contact with advertiser.

Most will have catalogs and price lists

for you.

☛ Order your merchandise, which will

be shipped directly to your store.

The ONLY Monthly National Magazine

for Independent Retailers

FORUM PUBLISHING COMPANY

383 East Main Street, Centerport, NY 11721

www.RetailersForum.com

CONTACT US:

TEL: 1-800-635-7654

FAX: 631-754-0630

Email: ForumPublishing@gmail.com


Sell to over 60,000

stores through Forum

631/754-5000

Start.

USA COSTUMERS

Light Up Without

Lighting Up!

Grow. See our ad on Page 27

Repair.

Our specialty is helping small and

mid-sized businesses achieve success.

Contact us for free consultation.

1-800-433-7002

info@ForumBA.com • www.ForumBA.com

See our ad on page 34

LIGHT • Kits

E-CIG

see our ad on page 59

H2 E-Cig Round

Mouth Atomizer

$1.85

Electronic

Cigarettes

Full Service Wholesaler • We Ship Worldwide

• Disposables

• Atomizers

5mL Bottle

E- Liquid E-Juice

for E-Cig $1.30

• E-Cig Batteries

E-Case w/2

Cigarettes + 1 USB

Charger $10.50

E-Cig kit Includes 1 cig,

10cartridges, Wa l, USB,

Car Chargers $6.50

Round Mouth E-Cig

3.5ml Atomizer Set

w/Coil Heads $3.83

SMALL

BUSINESS

CONSULTING

ForumBA.com

Ad on Page 30

• E-Liquids

• E-Cig Accessories

TIME MAKES MONEY

TIME

WHOLESALERS

SHISHA Zero

Nicotine Disposable

E-Cig $3.45

www.Lightecig.com

see our ad on Page 23

We Dropship - Distributors WanteD • Scroll website to bottom - Click on WHoLESALE

SNEAKY SAVINGS ON SNEAKERS

See Our Ad on Pg 19

BLING IT ON!

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read these?

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you’ll get a FREE 3-mo.

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PERI THREE

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SEPTEMBER 2025

ADVERTISERS

INDEX

PLEASE PATRONIZE THE LEADING WHOLESALERS

WHO ADVERTISE IN

RETAILERS FORUM MAGAZINE

THE TRUSTED BUYING SOURCE FOR RETAIL STORES!

ADVERTISING

RATES 09

APPAREL

BLANK TEES 52

BOUTIQUE CLOSEOUTS 51

CLOTHINGWARE 57

DD BULK 20

FASHIONABLE SALES 45

FLIRTY WHOLESALE 18

STYLISH PLUS 53

TEE SHIRT HOUSE 16

T SHIRT REP 67

UIN DEALS 25

USACOSTUMERS.COM 34

ASSORTED ITEMS

1 STOP WHOLESALE 21

AUCTION FINDER 32

BEAN WHOLESALERS 54

CLOSEOUTS FOR SALE 39

DOBA DROPSHIP 35

EVERYTHING CLOSEOUTS 42

EZ DROPSHIP 50

HEAVENLY WHOLESALE 48

MEGA UBID 28

RAMSONS IMPORTS 11

RUSH SUPPLIERS 24

BOOKS & DATABASES

BUYERS CONTACTS

BACK COVER

CANDY

SWEET WHOLESALERS 49

CELLULAR

CELLCITY.BIZ 41

WHOLE-CELL 31

COMPUTERS

REFURB SHOPS 44

CONSUMER ELECT.

FIND IT CHINA 17

CREDIT CARD

PROCESSING

EXP MERCHANT 47

3’x 5’ Flags $2.50 Each

Min.100 pcs

WHOLE BOOTH IN

THIS CRATE CONVERTED

TO TABLE

#1

BUYING GUIDE

FOR RETAIL STORES!

DISPLAY/SUPPLIES &

SERVICES

AVVO ADVISORS 70

CC WAREHOUSE 69

E-STORE BUILDERS 62

E STORE SIGNS 33

E-STORE SITES 46

FB CAMPAIGNS 74

FORUM ADVISORS 30

FUNDING OFFICES 24

KWIK INC. 72

PAYROLL HELPER 68

PREMIUM CONVENTIONS 15

PROTECTION PLANS 66

SALES GROUP BAGS 38

VACATION PROMO 64

WHOLESALESOURCES.COM

INSIDE BACK COVER

DROPSHIPPERS

DOBA DROPSHIP 35

EZ DROPSHIP 50

E-CIGARETTES &

SMOKE SHOP ITEMS

3’x5’Embroidered Flags $14.00 Each

LIGHT E CIG 59

View our 148 page Catalog online !

www.RIOhio.com

LOGIC WHOLESALE 65

$36.00 dz

USA VAPE DEALS 04

Hat Pins $6.00 dz

FOOTWEAR

$36.00 dz

SNEAKER CLEARANCE 19

$36.00 ut 72 pcs

HANDBAGS

BAG CLOSEOUTS 03

Playing Cards

BAG VENDORS 20

$18.00 dz

Garden Flags

$48.00 dz

Metal Signs

HOME & HOUSEWARE

$24.00 dz

$5.50 Each

Tri-Fold

$5.00 Each

MERCHANDISE REP 36

$21.00 dz

$14.00 Each

RUG PROFITS 29

JEWELRY/

$21.00 dz

3’x5’Embroidered Flags

ACCESSORIES

Belt Buckles

$9.00 dz

BODY CANDY HQ 61

BUND JEWELRY 63

HIP WHOLESALE 27

JEWEL CLEARANCE 18

JEWELRY MINERS 55

SHAKE WHOLESALE 56

UNIVERSE WHOLESALE 71

LEATHER GOODS

MAK LEATHER 02

$18.00 dz

5” Patches $36.00 dz

$39.00 dz

NOVELTIES

3pc Magnet

CARTOON CONCEPTS 22

Garden Flags

48.00 dz

Leather Wallets $5.50 each

Magnets 3”x8” $18.00 dz

WindSocks

$48.00 dz

COOL GLOWING 43

Min.Order

$150.00

$4.50 Each

NOVELTY SELLER 73

PPE SUPPLIES

MADE IN USA

PPE STOCKROOM $39.00 40dz

Metal Plates

$27.00 dz

R/C & TOYS

RC VARIETY 37

SOARING RC 60

12”x18” Metal Signs

$5.50 Each

Belt Buckles

$42.00 dz

$18.00 dz

SPECIAL FEATURES

FORUM WORKSHOP 26

$7.00 Each

RETAILING NEWS 14

WHAT’S Belt HOT Buckles 12

Patches $18.00 dz

Metal Sign

$4.75 each

$48.00 dz

$30.00 dz

12” Metal Signs

$5.00 Each

$36.00 dz

$5.25 Each

SPORTING GOODS

OHIO KNIFE 13

TRADE SHOWS

THE MARKET CENTER 16

WATCHES & CLOCKS

TIME WHOLESALERS 23

WATCH DEALERS 22

WEDDING ITEMS

SMARTEST BARGAIN 58

WELCOME NEW READERS!

Advertise in

See Page 9

12”x18” Metal Sign $5.25 each

BUSINESS BOOKS

www.BizBooks.org

SHIPPING AND STORAGE

USE TO BE DISPLAY BY CHOICE LLC

8” x 12” Metal Signs

MADE IN USA

COST SAVING - FACTORY DIRECT FAMILY OWNED - BEST SERVICE

AFFORDABLE - STACKABLE

FOLDABLE - PORTABLE

Steve.Finn@premiumconventions.net

www.displaybychoice.com

Phone:702-281-3442

BACK LIGHT TOWERS WITH MERCHANDISE

$4.00 each

8” x 12” Parking Sign $18.00 dz

$15.00 dz

$42.00 dz

$15.50 Each

Leather Bracelet $18.00 dz

$24.00 dz

Best Friend Necklace

$24.00 dz/sets

1ut/5 dz Mood Rings $33.00 unit

Metal Sign

12”X18” $5.75 Each

PREMIUM TRUCKING AND CONVENTION

OUT OF THE BOX

30 YEARS IN BUSINESS

$36.00 ut/72pcs

$15.00 dz

BOOTHS!

Creative

Displays…

See our ad

page $6.00 15 dz Hat Pins Also

Gigantic

sold

Selection

by the

of Variety dozen! Goods

40 X 40 SLATWALL 40 X 40 DISPLAY BACK LIGHTED WITH WALL LIGHTED & SEE SIGN THROUGH SIGNS & FOAM GONDOLAS FLOOR

20 X 30 FREE STANDING BOOTH 40 FOOT BOOTH IN 20 FOOT AREA CRATES CONVERTED TO TABLES

36 pcBiker Ring

RAMSON’S

$39.00 unit

RISERS WITH BACK WALL ROTATING TOWER FOLDABLE PEDESTALS

See our Ad on Page 11

FOLDABLE RISERS FOLDABLE GONDOLAS FOLDABLE SHOWCASES

DROPSHIP TO PROFITS!

Tri- Color Necklace $18.00 dz

1000’s of Items

See our ad on Page 35

WHOLESALERS:

Increase Your Sales

By Advertising Here!

631-754-5000

Don’t Be A Drone!

BUY ONE!

www.RCVariety.com

See Our Ad on Pg. 37

VISIT FORUM ON

THE INTERNET

View our latest books at

www.bizbooks.org

WE HAVE BUYERS

Databases for ALL Industries

www.BuyersContacts.com

ADVERTISING INFORMATION


VOL 28 NO. 2

JUNE 2008

MARKETING TIPS!

MERCHANDISE SOURCES

RETAILING TIPS

SELL LIKE AN

EGYPTIAN!

Reach Active Buyers with our Print Readership

Plus over 265,000+ Page Views Monthly Online

✔ Apparel and Accessory Stores

✔ Card and Gift Stores

✔ Discount and Dollar Stores

✔ Distributors and Jobbers

✔ General Merchandise Stores

✔ Internet On Line Stores

✔ Mail Order Catalog Sales

✔ Novelty and Toy Stores

✔ On Line Stores

✔ Resort and Souvenir Stores

✔ Sporting Goods Stores

✔ Variety Merchandise Stores

✔ Wholesalers

ESTABLISHED IN 1981 as a buying source for store

owners and wholesalers, Retailers Forum offers advertisers

a large national circulation to showcase their products

and services. Many of our readers are located in rural

areas where access to merchandise is difficult, making our

magazine indispensable to their buyers.

Through our unique direct mail and trade show

circulation we constantly rotate our mailing lists, adding

new stores monthly enabling us to deliver new, fresh

buyers each and every month you advertise with us.

In addition to your print ad, your company will be

featured in our digital on line monthly version at

www.RFmagazine.com. Our online magazine produces

over 265,000+ page views monthly for our advertisers,

which is in addition to our print and mail distribution.

Your online ad will link to your website and email

address and we provide unlimited transfers from our

readers into your website 24/7.

FORUM PUBLISHING COMPANY

383 East Main Street, Centerport, NY 11721

www.RetailersForum.com

CONTACT US:

TEL: 1-800-635-7654

FAX: 631-754-0630

Email: ForumPublishing@gmail.com


retailers

ADVERTISING RATES

AD SIZE 1 ISSUE 3 ISSUES 6 ISSUES 12 ISSUES

1/8 Page $400 $300 $275 $250

¼ Page $525 $425 $400 $350

½ Page $625 $525 $500 $450

Full Page $850 $750 $700 $650

2 Pages $1,350 $1,250 $1,150 $1,050

Prices shown per month, above rates include full color printing

ADVERTISING SPECS

1/8 Page: 2¼" high x 3¼" wide

¼ Page: 4‚" high x 3¼" wide

½ Page:

Full Page:

Email or provide CD of ad in exact dimensions as JPG, TIF or preferred

PDF format in CMYK color, 300 dpi resolution only

✔ Monthly print and mail magazine

✔ Online magazine and search marketing

✔ Distribution at top trade shows

5" high x 7.5" wide or

10" high x 3.5" wide

10" high x 7.5" wide

FULL MARKETING PROGRAM INCLUDED >>

Printed Magazine

• Your ad is featured in our printed

magazine circulated to buyers

across the USA. Includes distribution

at industry’s top trade shows.

Complete Digital Magazine

• Your ad runs on-line at

www.RFmagazine.com

• Over 265,000+ monthly page views

• Active link to your website

Search Marketing

• Your company included in the

industry’s leading search engine:

www.supplier411.com

• Saturation marketing coverage on

our new wholesale portal: www.

wholesalesources.com

THE MOST COMPREHENSIVE MARKETING

As the ONLY national magazine for independent retailers we will introduce

your company and products to the country’s top retailers and online stores

every month. Our all inclusive marketing program includes BOTH traditional

print readership in addition to extremely popular online e-magazine which

uses cutting edge technology to provide readers a seamless experience.

TOP INDUSTRY TRADE SHOWS 2025

JANUARY

Atlanta Gift Fair

Los Angeles Market Week

Philadelphia Gift & Variety Show

Seattle Gift Show

The Merchandise Center, IL

FEBRUARY

Magic Sourcing Show

New York Toy Fair

Off Price Specialist Show

Rocky Mountain Gift Show

MARCH

ASD Marketweek Las Vegas

Atlanta Spring Gift Show

California Marketplace

Dallas Apparel & Accessories Show

Greensboro Gift & Jewelry Show


APRIL

Hawaii Merchandise Expo


MAY

Las Vegas Licensing Show

New Orleans Gift & Jewelry Show

Northern Michigan Gift & Souvenir Show


JUNE

Dallas Gift & Variety Show


LA Fashion Market

JULY

Atlanta Gift & Home Furnishings

California Marketplace

Philadelphia Gift & Variety Show


AUGUST

ASD Market Week

Biloxi Wholesale Show

Off Price Specialist Show


Rocky Mountain Gift Show TBD

SEPTEMBER

Asia America Wholesale Show

Dallas Home & Gift Show

Greensboro Gfit & Jewelry Show

Hawaii Gift Show

Norton’s Gift & Variety Show

Philadelphia Candy & Gift Show


OCTOBER

Dallas Apparel & Accessories Show

Las Vegas Souvenir & Gift Show


NOVEMBER

Gatlinburg Gift Show

Hawaii Merchandise Expo


Smoky Mountain Variety

DECEMBER

Grand Strand Gift & Variety Show



Our Large Holiday Issue Hits The Mails Before Thanksgiving to

Maximize Advertisers Results!

We provide physical magazines at shows or email free

digital magazine to attendees using Attendee database lists.

* Show schedules are subject to change without notice.

From the

PUBLISHER

Back-To-School

Business Booming

ONE of the most exciting things about

being a retailer is the start of each new sales

season. With each season brings the endless

possibilities that accompany it.

THE back-to-school season that has quite a

bit of steam in it this year has been in full flurry

since the middle of last month. The reports

that we have seen show a nice increase over

last year’s numbers. We have also not been

seeing dramatic price fluctuations that some

economists predicted due to tariffs. This is all

great news for all retailers.

HOPEFULLY your business has profited by

this season which is the start of some of the

busiest months in our industry. If you were

with us last issue, you’re already on the gravy

train and have planned ahead and ready to

prosper.

BACK-to-school will be winding up the

bulk of its energy by the end of this month

but there will still be residual sales to be

made next month. As students settle in and

start their classes they will be making lists

of additional items including apparel and

accessories that they will want and need.

This always happens once students see the

new trendy looks their fellow classmates are

sporting.

AS college students settle into their dorm

rooms or apartments they will realize that

having an extra set of sheets and pillow cases

isn’t such a bad idea and will be looking

into adding to their supplies. So, there are

still a good many sales opportunities left for

this month before we hit the next holiday:

Halloween.

MOST retailers I spoke with at last month’s

trade shows share that there has been no

rhyme or reason to their sales spurts. Many

small retailers have been mentioning that

their online sales have been outpacing their

in-store sales which is definitely a trend. We

have been encouraging all of our readers to

keep up with their websites to stay relevant

and profitable.

MORE people than ever are opening

stores, whether it be traditional brick-andmortar

or online ones. These businesses have

been stimulating the economy in all ways as

they need all types of start -up equipment,

merchandise and services.

WHOLESALERS are benefitting by these

new businesses as well. Our hope is that

more traditional physical stores will open in

our downtown areas around the country. It

is these shopping enclaves that attract new

residents into communities and are vital to

their growth.

START gearing up for what we think will

be a very busy holiday season. It is never too

early to start planning for your store’s success.

RETAILERS

FORUM

SALES & MARKETING

Gregory Brown

Tom Richards

Scott Savitt

Martin Stevens

OFFICE MANAGER

Leah C.

PRODUCTION

LAPIZ DIGITAL

CREDIT DEPARTMENT

Kristine Hines

CIRCULATION

Discount Reading Svc.

LITERARY STAFF

Patricia Luebke

Jason Meyers

Rachel Spearman

COLOR PRODUCTION

Anchor Imaging

PRINTING

Composing Room

ART DIRECTION

Gregory Stevens

Martin Stevens

OVERSEAS OFFICE

Trade Channel

N.W. Guineastr 30

2022 PA Haarlem

Netherlands

+31-23-531-90-22

Published Monthly by:

Forum Publishing Co.

383 East Main Street

Centerport, NY 11721

Tel: 631/754-5000

Fax: 631/754-0630

forumpublishing@gmail.com


44 Years

1981-2025

RETAILERS FORUM is published monthly at $75/year USA,

$125/year foreign.


Entire contents copyright ©2025 by Forum Publishing.

Publisher assumes no responsibility for contents herein.

First and third class postage paid at Centerport, NY. Bulk

mail paid at NY, Brookfield, WI and Hooksett, NH under

private mail indicia via publication mailing.

RAMSON’S IMPORTS, INC.

5159 Sinclair Road ,Columbus ,OH 43229

Street Signs

$4.50 Each

www.RIOhio.com

(614) 846-4447

FAX: (614) 846-4809

Email:info@RIOhio.com Min.Order $150.00

Visit Us-

The International Gift Exposition in the Smokies Show

November 04- November 08, 2025

Pigeon Forge, TN

Booth# 6529

Street Signs

$4.00 Each

Emb. Flag 3'x5' 210D

$7.00 Ea

Hundreds of styles to choose from!

Hat Pins $6.00 dz

Metal Signs

$5.50 Each

3’x 5’ Polyester Flags $2.75 Each & Up Min.100 pcs

100’s of flags to choose from

Garden Flag

Emb. 12"X18"

$42.00 dz

4”X6” Stick-

Flags $3.50 dz

NEW ITEM!!

Metal License Plates

$3.50 Each

Tri Fold Wallet

$5.00 Each

Patches

$1.00 each and up

Lanyards

$3.75 Each

Metal License Plate $30.00 dz & up

$60.00 dz

$60.00 dz

For More Stainless Steel

Crosses & Chains

Visit our Website

www.RIOhio.com

Hundreds of styles

to choose from!

Gloves

$4.00 Each

Belt Buckles

$4.25 Each

Wood Sign

$5.50 Each

Biker Rings

36 pcs/ut $36.00 ut

Sunglasses

$30.00 dz & up

Metal Sign

$5.75 Each

Headwear

$2.00 Each & up


WHAT’S HOT

For more information, contact:

www.WatchDealers.com


www.HipWholesale.com


www.Forum123.com

Tel: 1-631-754-5000

TIME IS MONEY

THERE is a big demand for designer and name brand watches and many

consumers see them as investments aside from being practical time pieces. It

has always been hard for retailers to find sources to buy watches for resale

and most stores just carry generic watches that really have limited value to

shoppers.

WATCH Dealers is a unique company in business for over two decades that

features top selling brand name designer watches that your shoppers know and

appreciate. That is the difference between failure and success in watch sales.

THE company has hundreds of popular name brand, guaranteed authentic

watches and ships worldwide from their 15 warehouses which ensure you

great inventory and quick delivery.

THIS month’s HOT item is the Michael Kors Lennox watch that you can

retail for $348+ and buy for just $149.96 while supplies last!

HIP HOP FORTUNES

WITH no minimum order, Hip Wholesale offers sophisticated designs

of celebrity inspired bling on a global scale! The company features a large

assortment of chains, rings, necklaces, grillz and more for both men and

women.

THE hip hop style of jewelry is one of the fastest growing segments of

jewelry in the world. Hip Wholesale is your global headquarters and provides

boutiques, retailers and online stores with the highest quality items at very

sharp prices that will allow your business great mark-ups.

MANY of their pieces will be very recognized by your clients as they have

been designed by A-list celebrities in the fashion and music business. The

company makes it easy to do business with them by offering no minimum, fast

shipping and a full 30-day return.

THEIR hot offering this month is the popular Helloice 14mm Cuban chain in

gold for just $89.95.

BUY BELOW WHOLESALE

NOW more than ever it is important to buy products at the sharpest

possible prices so you can make more margins when you resell at your

store or online site. With the costs of goods increasing so rapidly it is

harder than ever to follow the double mark-up rule that was the gold

standard or retailing. We have had to become much more competitive to

make sales and part of that is not being able to get the mark-ups we need.

THAT was until now! Forum Publishing has released the new

CLOSEOUT DIRECTORY and Coursebook that lists (by merchandise

category), companies that specialize in closeout priced goods. These are

products that can be overstock, overruns, discontinued goods, store

returns and product changes.

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RETAILING NEWS

Bed Bath & Beyond Home Reopens

BED Bath & Beyond is making its brick-and-mortar return with a new format and one of its most iconic

features.

THE Brand House Collective, formerly Kirkland’s Inc., said that it will celebrate the grand opening of its

first Bed Bath & Beyond Home location on Aug. 8, in Nashville. The store opening is the first for the company

under its new name, The Brand House Collective, following its approval by shareholders at the annual

meeting.

TO celebrate the grand opening, the company brought back one of the brand’s most iconic traditions:

the Bed Bath & Beyond coupon. The retailer will provide customers with new coupons at the door and will

also honor legacy coupons that customers bring in.

ALSO, the first 25 customers who made a purchase received a free 10″ memory foam queen size mattress,

called the Beyond Bed, that is regularly valued at $226.99.

“WERE proud to reintroduce one of retail’s most iconic names with the launch of Bed Bath & Beyond

Home, beautifully reimagined for how families gather at home today,” said Amy Sullivan, CEO of The Brand

House Collective. “This isn’t just a store, it’s a fresh start for a brand that means something special to so many

families. With Bed Bath & Beyond Home we’re delivering on our mission to offer great brands, for any budget,

in every room. It’s a powerful addition to our portfolio and a meaningful step forward in our transformation.”

Mattel Goal To Keep Toys Below $20

MATTEL’S goal is to keep prices as low as possible, according to executives.

“WE’RE committed to the uninterrupted supply for a wide range of high-quality products and providing

the right balance of price and value for our customers,” said Ruh, who joined the company roughly two

months ago.

WITH nearly 80% of toys imported to the U.S. coming from China, the category could prove to be

especially vulnerable to the impact of tariffs. That is on top of a consumer base that is already stating prices

will impact their purchasing behaviors during the back-to-school season, per an ICSC report.

HOWEVER, CEO Ynon Kreiz doesn’t see consumers as any more price sensitive compared to a year ago,

as the company has been working “very closely with our retail partners when we consider pricing” headed

into the second half of the year and the holiday season.

THE company expects the total tariff exposure for this year before any mitigating actions to be under

$100 million. Mattel last quarter forecast a $270 million impact from tariffs.

THE company’s dolls category was particularly impacted during the quarter, declining 19%, primarily due

to fewer Barbie product launches. (Though the company earlier this month did release its first Barbie doll with

Type 1 diabetes.) Mattel expects to see improving trends with the brand in the latter half of the year.

TOY competitor Hasbro also reported second quarter earnings this week, with revenue dipping 1% year

over year to around $981 million.

For Late-Breaking Industry News Visit: www.RetailersForum.com

If It Affects Retailing We Report On It!


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FORUM WORKSHOP

forumworkshop

shoes

R Jewelry Clothing lingerie

EET Operating A I IL

L Your

RETAIL STORE

Operating Operating

Your Your

Your 1-Stop WholeSale for

S T O R E

Continued Continued from from last last issue... issue...

basis, basis, and and can make can make year-to-year comparisons.

Ankle Boots Snow White Stiletto Think Heels Think of the of only theLucky only variable Pink variable in your in your Comfort budget budget Flats for for

Retails INTERPRETING $160.00 THE Ankle THE NUMBERS Boots

Retails the $160.00 first the first year year as the Stilettos as amount the amount budgeted Retails budgeted in$52.00

for

for

Retails $109.75 your your salary. salary. You Retails You can certainly can $125.00 certainly live on livemore on more and, and,

$29.95

$29.00

$9.95

The The budget budget included included $28.96

your in your business business plan plan if need if need be, will be, will $25.95

learn learn to live to on liveless. on less. Everything

should should incorporate a 5-year a 5-year projection projection of costs of costs else else represents represents a necessary a necessary investment in giving

the ingstore the store its appropriate its start. start.

in giv-

and and sales, sales, and and the store’s the store’s profitability. You You may may

start start to profit to profit the first the first month, month, as soon as soon as the asrev-

enue enue generated generated by sales by sales exceeds exceeds your your monthly monthly

the rev-

cost cost of operations. of More More likely likely it will it will take take

FINANCIAL PROJECTION CHARTS

longer longer than than that that to build to build your your business business to the to the

break-even point point when when revenue revenue from from sales sales covers

expenses. ers expenses. Until Until that that happens, happens, you’re you’re operat-

operat-

cov-

The The following following financial financial projections are are

for the forsame the same hypothetical clothing clothing store store

ing ingthe red. the red. When When you’ve you’ve got money got money left left

we used we used for the forstart-up the start-up cost cost charts. charts.

over, over, and

Mellow

and your

Sweet

your monthly monthly expenses expenses

Perfect

are

Storm

are met, met,

you’re you’re in the in black, the black, and and the business the business is profitableitable.

When Retails When those $55.80 those profits profits are enough are Retails enough to $19.99 allow to allow

Retails $88.00

is prof-

Sweet

Lady

Sweet Impressions

Joker Stripes

Clothing Clothing Boutique,

Leopard

Boutique,

Grain

Inc. Inc.

Cap Sleeve

Peacoat

Retails $94.75

Long Hoody

you you to satisfy to satisfy any any debts debts incurred incurred by you by you to set to set

SUMMARY $18.95

OF SIGNIFICANT

OF $13.95 $17.95

$15.00

up the upbusiness, the business, you’ll you’ll begin begin to realize to realize the full the full

PROJECTION ASSUMPTIONS

profit profit potential potential of your of your store. store.

Note Note A – A Nature – Nature of Projections of Plus size

The The trends trends will will vary vary from from month month to month, to month, especiallpecially

during during this this first first year. year. Rare Rare if theifretail

retail

es-

These These financial financial projections are based are based on projectejected

sales sales levels levels and and present, present, to the to best the best of of

on pro-

category category with with steady steady sales sales throughout the year. the year.

Some Some specialty specialty dealers dealers do as domuch as much as 80% as 80% of of

management's knowledge and and belief, belief, the Company’pany’s

expected expected results results of operations of for the for the

the Com-

business business the in4th thequarter. 4th quarter. Sales Sales then then literally literally

carry carry them them through through the lean the lean months months of the ofrest

the rest

projection projection period. period. The The presentations are for arethe

for the

Gemstone Fashion Bracelet Blossom Pendant Peach Heart Rings from

of the ofyear. the Earrings year. That’s That’s why why it’s so it’simportant so important to get to get

purpose purpose of establishing of Crystal Necklace a proposed a proposed corporation

$3.95 $5.95

your your business business up and up and running running at least at least 2 months 2 months

that that would would own own and and managea clothing a$2.95

clothing store, store,

$1.95

$8.95

and up

before before your your peak peak selling selling period. period. Be there Be there at the at the

and and should should not be not considered be to betoa be presentatiotion

of oN expected oforderS expected future over future results. $79results. Accordingly,

want want your your accountant to prepare to prepare annual annual pro-

pro-

a presenta-

beginning beginning and and you you takeNo take some MiN. some pressure order pressure off. • Free You off. ShippiNg You

these these projections may may not be notuseful be useful for other for other

jections jections for sales, for sales, expenses, expenses, and and profits, profits, as well as well

purposes. purposes. The The assumptions disclosed disclosed herein herein

www.Stylishplus.biz

as monthly as monthly breakdowns for the forfirst the first 5 years 5 years of of

are those are those that that management believes believes are significanicant

to the to projections. the business business until until you you can review can review it onitan onannual

annual

continued...

are signif-

operations. You You won’t won’t have have a real a sense real sense of your of your


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The start-up period (including construction) is

projected to go from Jan. 1, ‘93 through Mar. 31,

‘93. Apr. 1, ‘93 has been targeted for the grand

opening to the public. Where possible, the projections

have been rounded to the nearest 100

dollars.

Note B – Sales

Sales revenues are based upon statistical studies

of the population in the immediate area, as

well as industry averages and analysis of other

stores of similar size and location.

These projections are based upon activity at a

particular level for each year. Since this is a new

venture that does not have an established volume,

these levels will be attained gradually.

forumworkshop

FORUM WORKSHOP

Sales revenues should be slow at first

and then will vary due to seasonal

fluctuations. The Projected Monthly Sales

volume has been projected as follows:

Apr. ‘93 $20,000

May ‘93 $30,000

June ‘93 $30,000

July ‘93 $30,000

Aug. ‘93 $40,000

Sept. ‘93 $45,000

Oct. ‘93 $45,000

Nov. ‘93 $70,000

Dec. ‘93 $100,000

Jan. ‘94 $25,000

Feb. ‘94 $35,000

Mar. ‘94 $30,000

$500,000

continued...

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Note C – Cost of Sales

COST OF GOODS SOLD TO THE PUBLIC

IS ESTIMATED AT 55.00% OF SALES.

Initial purchases of merchandise must be made

at a level that is sufficient to stock the shelves

and provide inventory for resale. Thereafter orders

are placed on a seasonal basis well in advance

of when the merchandise is required to

be put on the shelves. Therefore, actual purchases,

which are projected as follows, may not

mirror fluctuations in sales.

Mar. ‘93 $40,000 (Initial Inventory)

Apr. ‘93 $15,000

May ‘93 $15,000

June ‘93 $15,000

forumworkshop

FORUM WORKSHOP

Start.

Grow.

Repair.

July ‘93 $20,000

Aug. ‘93 $25,000

Sept. ‘93 $30,000

Oct. ‘93 $35,000

Nov. ‘93 $50,000

Dec. ‘93 $25,000

Jan. ‘94 $15,000

Feb. ‘94 $20,000

Mar. ‘94 $30,000

$335,000

Note D – Operating Expenses

The operating expenses are based upon industry

averages and comparisons made with data

available regarding retail clothing stores of similar

size and location. Except for those items

that have been projected at a fixed regular

amount per month.

continued...

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forumworkshop

FORUM WORKSHOP

OFFICER’S COMPENSATION

Officer’s compensation is estimated to be

$2,500 per month, and is projected under the

assumption that he/she is performing the basic

managerial functions required to run the store.

For this reason officer’s compensation is included

in the schedule of salaries & wages

below.

Salaries & Wages

Salary & wages have been broken down on

a monthly basis by job title as follows:

salary salary insur.

Owner (Manager) 1 $2,500 $2,500 $600

Assistant Manager 1 $2,000 $2,000 $600

Salespeople 2 $900 $1,800 $0

Monthly Salaries & Wages $6,300 $1,200

Credit Card Discounts

Credit card discounts are the fees charged by

the charge card companies and are projected at

2.50% of sales.

Advertising

Advertising is projected at $500.00 per month

except for the first 3 months, during which additional

cost must be incurred to inform the

public. Advertising during this 3-month period

is projected at $2,500.00 in total.

Rent

The lease on the premises

is projected at $30.00 per

square foot annual rent.

The area of the store is projected

to be 1,600 sq. ft.

continued...☛



FORUM WORKSHOP forumworkshop

PAYROLL TAXES

Payroll taxes are calculated as a percentage

of all payroll, including officer’s compensation

and salaries & wages, at 15.00%.

Note E – Other Expenses

DEPRECIATION & AMORTIZATION

Depreciation & Amortization is calculated on a

straight line basis over the following periods:

cost years monthly

Construction costs $123,500 31.5 $300

Furnishings 50,000 5.0 $600

Equipment 500 5.0 $100

Start-up costs 17,800 5.0 $300

Totals $195,800 $1,300

Note F – Taxes

Taxes would be paid by the corporation on

an annual basis when the return is due.

RECORD YOUR PROGRESS

Comparing your actual sales figures and expenses

with the numbers in your budget will

give you a real sense of how your business

measures up to your expectations its first year.

Later you’ll make these comparisons by month,

quarter, and for the first year as a whole. As you

do, the cyclical nature of

your business will emerge

and you’ll be able to adjust

your sales strategy to

periods of special sales

opportunity. continued...




Until you reach that point when your sales revenues

carry the business, you’ll need working

capital – or seed money. You’ll need sufficient

money to cover the cost of start-up and to get

you to the point when the business begins to

pay for itself. The budget your accountant prepares

for your business plan should detail that

amount, as well as the point at which you can

expect positive cash flow – when sales revenues

meet or exceed expenses. The numbers

need to be so thorough that you can use them

as a tool for convincing others to invest in your

business, and for measuring performance

against expectations.

If you think this has been difficult so far, just

wait. The primary financial challenge to the

start-up retailer is one of funding. With your

plan in writing, you must now secure the financial

support that will allow you to cover your

store expenses this first year.

THE BUSINESS PLAN

To sum up, regardless of what form you

choose, there are certain items that should

be included in your business plan.

Consider the following as a guide

for what you should include:

The Business Plan

Store Name & Description:

Describe the company behind

your store, including business

form, partners, etc.

Mission Statement

The Market: An explanation of the product category

and trends that support this store concept,

including suppliers & current availability

of products in your area. Include the results of

any test marketing you’ve conducted.

continued...


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forumworkshop

FORUM WORKSHOP

The Customer: Who the customers are, where

they live, and what needs your store will serve.

Your Credentials: Explain why you’re the right

person to run this store.

Your Strategy: Explain how your skills & store

concept will enable you to respond to the needs

of the market and customers described above.

Your Location: If you

have a site, explain

why ti is the perfect

location; if not, explain

what you need

in a location and why.

Products & Services: A detailed breakdown of

what your store will offer and how it will make

these goods and services available to customers,

including your staffing plans.

The Promotional Push: Explain the marketing

strategy you will use to convey the advantages

of your store to consumers.

The Finances: This part of the plan should

begin with a detailed breakdown of the cost of

operation of your store, with start-up cost projections,

an estimated annual budget, and sales

projections for at least the first year.

Your Contribution: Explain how much you are

investing in the business, and the sources.

Outside Investors: Identify who is investing

and how much they are contributing, and what

they expect for their money.

Need: If you are trying to attract a loan or woo

other investors, use all of the above to demonstrate

how much you need and why your store

represents a good investment.

CONCLUSIONS: SUM UP EVERYTHING

YOU’VE ALREADY SAID WITH

CONFIDENCE AND ENTHUSIASM.

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forumworkshop

=========== FORUM WORKSHOP forum workshop============

YOUR SOURCES OF FINANCING

Once you know what your financial needs are,

your burden becomes locating and securing the

financial resources required to give your store a

fair chance at success. Let’s assume you haven’t

won a lottery and weren’t born into wealth.

You’re the average, ambitious man or woman

intent on doing it your way with a retail store.

Your only option is to look to outside sources

of funding. This search for money will take

some time as you search for lenders confident

enough in you and your store concept to risk

an investment in it.

another,

more serious flaw. Members

of Itel's management team "were aware

family

FIRST AID SUPPLIES

FOR RETAILERS·-

Keep four Customers & Staff Safel

Forget About Institutional

near the end of 1978 that Itel's

computer Sources leasing of Financing business was

in serious difficulty and that

This is your Itel's store, computer-sales so it’s entirely your business responsibility

was

to raise

slowing

the financing.

and was threatened

Forget about

lending institutions, like banks and venture

by new IBM technology".

capital firms, for now. It’s not that these houses

of finance don’t like entrepreneurs. They just

don’t want With to lend this you knowledge,

money until you Itel's can

demonstrate senior your management success. When sold you can thousands

record of that shares shows you’ve of Itel weathered stock

present

a track

a few ups to and the downs, public and at can prices hand them ranging sales

reports from that prove $26 the to greatness $32.50 of per your share store

concept, they’ll be more likely to respond to

( the stock later fell to less than

your need for funding. Until then, you must

$1 per share). The Examiner's Report

first look within yourself, and your circle of

stated and that friends, such a to sale finance was your probably dream. a

continued...

Page 62 DECEMBER 2024 I RETAILERS FORUM MAGAZINE


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car – you’ll need to do whatever it takes to get

your dream off the ground. That’s because until

you’ve done everything you could and are

completely at risk, no one, no matter how much

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With the recent decline in interest rates, many

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Which way you go should depend primarily on

how much money you’re able to generate from

other sources. But realize you probably will

need to secure some of your seed capital by

borrowing against your home.

SHOP AROUND FOR A HOME

EQUITY LOAN AS YOU WOULD

ANY OTHER BANK LOAN.

It’s advisable to submit your application while

you’re still gainfully employed with someone

else. Don’t volunteer details about your plans

to use money to start a business. A new business

is a risk in the eyes of the banker, and

banks prefer to avoid risks.

$¢$¢$¢$¢$

How important is your store to you? It should

mean enough that you’re willing to part with

anything and everything that’s not absolutely

necessary to your lifestyle right now. Take a

good second look around your house or apartment

at your prized possessions. Are they more

important to you than a future of self-determination?

If there’s a market for your collections,

or jewelry, or anything else lying around, turn

those dubious assets now collecting dust into

the cash you need for your store. The same goes

for any IRA or Keogh accounts. The cash they

can put in your hands today may mean a lot

more than they ever could to you at retirement.

It’s a risk, but you must be willing to take it. For

unless you do everything in your power to finance

your store, you can’t expect others to

lend their support.

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| SEPTEMBER 2025 Page 45


Only after doing everything you could on your

own can you turn to your parents, aunts & uncles,

friends & neighbors for little loans, much

needed “investments” in the business.

APPROACHING FAMILY & FRIENDS

FOR INVESTMENTS & LOANS

You may elect to secure the necessary funding

from one rich aunt or from a whole roster of acquaintances.

Each approach has merits. A single

financier may stay completely in the

background until the store shows signs of faltering,

and then become an aggressive adversary

in deciding how your business should be

run with her money. If cash flow ever proves a

problem, it may take more work to explain

your problems to many supporters. But with

less at risk individually, none will apply the

same kind of pressure as the single friendly

lender with a lot of money at stake. Whatever

combination of personal financiers you use to

set up your shop, expect to get to know each

much better if circumstances force you to explain

why you can’t make payment on the loan

until next month.

☺When approaching friends

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your retail dream, you

should present this as an

opportunity to help you as

well as themselves. Share

your enthusiasm about the store and what it

could mean for them and you. You’ll need to be

attuned to what type of agreement each of

these personal contacts prefers.

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Some will feel most comfortable making you a

straight loan, to be paid back over time with interest.

Others may prefer lending the money

with expectations of being paid back, and a

share in the future profits of the store. Deal with

family and friends on a case-by-case basis, sensitive

to their needs. Any agreement you reach

should be in writing, even if it’s just an informal

letter outlining the terms: the amount of

the loan, the payback plan, and what, if any,

their long-term interest in the business will be.

APPROACHING PEOPLE

YOU DON’T KNOW

Of course, the potential pool of funding sources

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find moneyed individuals receptive to helping

the total stranger with the start-up store. Anyone

you approach to invest in or lend you

money for your business will want to know

how much you are bringing to the table. Before

you approach outsiders, you should have at

least 50% of your seed money secured from

your [personal assets and contacts. They will

also want to review your business plan with its

detailed analysis of projected costs, savings,

and profits.

Consider Taking On A Partner

One alternative

the cash-poor

entrepreneur

should consider

is taking on a

☞partner in the store.

continued...

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The partner you should look for is someone

who’s a little older, experienced in the business

you’re going into, and with enough money in

reserve to help you through that critical first

year. He will bring insight and a financial foundation

to the company. He will bring insight

and a financial foundation to the company. The

best partner, though, is the silent partner: the

individual who believes in you and your idea

enough to fund your retail dream, and sit back

and watch your success.

Whenever you take on a partner, there’s

strength in numbers. Having two ambitious

skilled people at the helm of the store tends to

strengthen how it’s perceived by the professional

community and public. It makes for a

whole greater than the sum of its parts. If you

decide to enter into a partnership, I strongly advise

you to work up a written agreement that

describes your relationship, what each partner

contributes to and expects from the arrangement,

and terms under which the partnership

might be dissolved to your mutual satisfaction.

TAP INTO YOUR

WORKING PARTNERSHIPS

➪

The new realities of retailing

dictate you treat

your suppliers and

service providers as

partners in your business.

Partners work for

and with each other.

Consider them as potential sources for reducing

your need for working capital during the

start-up phase.

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RETAILERS FORUM MAGAZINE | APRIL 2025 Page 51

forumworkshop

FORUM WORKSHOP

Suppliers may not lend you money outright,

but they can finance your orders to give you inventory

on a consignment basis. The same is

true with contractors and other service

providers. Instead of one lump payment, they

may be willing to structure a payment schedule

that works with your budget. You won’t know

what kind of flexibility is available to you from

these “partners” until you ask.

CONSIDER RECRUITING

INVESTORS

They do exist, and once you have a business

plan on paper, you can make a pitch for investors.

Advertise or spread the word. Usually

they want equity, a share of the business and

profits based on their contribution to start-up

funding. For providing 10% of that cost, an investor

may expect a payback plus 10% of profits.

Think of this as selling shares in the business.

Such an arrangement has legal

implications that require the involvement of an

attorney.

LOOK FOR ANGELS

Yet another alternative for

financing exists outside the

halls of finance: “angels.:

Successes of their own making,

or natural-born philanthropists,

these rare and

elusive individuals want to help people like

you. Driven by a deep sense of altruism, or the

desire to repay the community that nurtured

their dreams, they make seed money available

to entrepreneurs.

continued...




This may be what amounts to a start-up grant

either through an outright donation to the

cause or a low-cost, long-term loan. If the business

prospers, the angel may expect a return. If

not, the angel can walk away from the endeavor

knowing he tried to help someone

where it counts. Finding your angel – that’s a

challenge! It’s more likely they’ll find you, so

don’t count on their help.

INSTITUTIONAL LENDERS

Good advice to the contrary, you may decide

it’s worth investigating your chances for a business

loan from a local lending institution. This

may prove an exercise in futility, especially if

the store is your first stab at self-employment.

You may have good personal credit, and a good

relationship with your local loan officer, but it

may not be enough to get the loan you need.

Make your case, in person and on paper. If all

else fails and you need the funding, consider

asking for a personally guaranteed loan. It’s not

the best situation, but if the store really matters,

you’ll have little trouble living with the commitment.

SBA

Also check in with

the area office of the

Small Business Administration

and see if you qualify for one of its

guaranteed loans. The application process is

thorough, and funds are limited. But you won’t

know if you qualify until you apply. The SBA

exists to help people like yourself start businesses,

and part of that support includes helping

those who meet its criteria secure the

necessary funding.

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And if the SBA officers can’t help you get the

loan, they will provide ample direction and resources

that will prove invaluable in other aspects

of starting your store.

THE TRADE-OFF

There’s a definite trade-off

✔

when turning to any of these

outside sources for funding.

The Entrepreneur who gets the

money must surrender some

autonomy in the process. Investors, partners,

angels, and lending institutions bring their own

expectations to the project, driven by their need

for a return on their investment. Building a successful

retail operation is a long-term project,

but some expect financial rewards in the short

term. That often places unwanted pressure on


the entrepreneur at a time when the challenges

of the start-up store will breathe enough discord

into your life.

GETTING THE WORD OUT

Finding outside sources to fund your retail

dream from paper to storefront takes consider

able time and effort. When you decide you

want to take on a partner, bring on investors,

or could use the help of an angel, tell everyone

you know. Request assistance from the local

chamber of commerce, business development

offices, the Small Business Administration,

merchants’ associations, local trade organizations,

and any club you belong to. Business

schools share a new sense of responsibility to

help their graduates and the business community

at large and can prove ideal networking

centers.

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Basically, exhaust any and every

conceivable channel of communicating your

idea and need. And expect nothing for your

efforts. That way you may be surprised,

but won’t be disappointed.

SELLING THE PLAN

TO OUTSIDERS

Once you realize you can’t secure the funds the

store requires from your personal wealth, you

get promoted to salesperson. Selling yourself

and your idea to family and friends poses a

challenge easily met. You know these people,

know what excites them, and frightens them.

So you know how to talk to them. And they

know you, for better or worse, so they have no

illusions for what and by whom their money

will be spent.

When you approach strangers for funding, it’s

a much different game. Until they’ve had a

chance to thoroughly review your plans, all

they know is that you want some of their

money. The impression you make, as much as

your store concept and business plan, will win

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there. Everything about

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to how you field questions

you have no idea

how to answer, will help

or hurt the financial pic-

ture.

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Everything about how you present yourself to

these strangers, from the way you dress to how

you field questions you have no idea how to

answer, will help or hurt the financial picture.

Your enthusiasm for the store should be contagious,

your confidence in yourself unshakable.

It’s to your benefit to submit something in writing

prior to your first meeting with potential

investors or lenders. A page or two defining the

store concept, the market it will serve, and why

the marketplace needs it will do. Also include a

brief summary of your experience and interests

as they relate to your ability to run the store.

Bring along a typed outline of

your business goals and financial

projections to your meeting; better

yet, show off your business plan.

and

Today’s business standards call for a typeset

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Dress neatly but conservatively for the meeting.

Be prepared with any and all information

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opportunities. After the formalities of introduction,

explain your background, the marketplace,

and how the two combine for the store

concept. Answer any questions put to you directly,

to the best of your ability. When you

don’t know an answer, lay off the bull. Promise

to get back with a response. Make sure you do.

When the subject of money comes up, be completely

honest and forthright about your needs,

how it will help the business.

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Also emphasize what you’ll bring to the project

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optimism your research allows and do your

best to address any concerns expressed. When

offered criticism, consider its merits. Never take

it personally or grow aggressively defensive.

Remember, a professional always remains cool

under pressure. The person who can’t handle a

little flack in a conversation promises to crumble

when the inevitable business crisis presents

itself. That’s not the entrepreneur who wins investors

to her ideas.

When the meeting is over, express sincere

thanks for the other’s time and interest in your

idea. Hopefully your winning personality, confidence,

and professionalism will allow you to

leave with the promise of the funding. If not,

you should have learned from the experience.

Always follow up on anything promised during

the interview, and comply promptly with

any application requirements. When things go

well, a letter of thanks is always a nice touch.

A PLANNING CROSSROADS

When you’ve exhausted

all your financing

options, you’ll come

to a crossroads in the

planning stage of your

store. If you’ve been

able to secure adequate

funding, you can get to work filling in the details

of your business plan and setting them in

action. You’ll need to rework your budget in

consideration of the payment arrangements

you’ve made with any lenders.

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FORUM WORKSHOP

If, however, you cannot pull together enough

resources to meet your financial goals, you

have 3 choices: You can give up, you can start

the business without enough money, or you can

revise your expectations, for now.

If you’re truly an entrepreneur, giving up isn’t

an option. That will leave only two: going into

business undercapitalized, or reinventing your

dream. If you’re going to proceed intelligently,

there really is no choice. The number one reason

small businesses fail is undercapitalization.

If you’ve projected what it will cost you to succeed,

and you can’t raise enough, you’re in effect

projecting failure.

Still, the can-do spirit of the entrepreneur often

leads to a “damn the torpedoes, full speed

ahead” attitude. The entrepreneur decides to

gamble on her own strength and determination

and intelligence being enough to carry the business

over the obstacle of not having enough

money. While there are people who succeed in

this kind of risk-taking manner, they are few

and far between. The numbers don’t lie, and

neither should you – especially to yourself – especially

when it’s your nest egg at risk. Instead,

take the 3rd option and try to reinvent your

dream to fit your financial resources.

REINVENT YOUR DREAM IF YOU

CAN’T FIND ENOUGH MONEY

concept

You may want to reconsider

one of the alternative

routes for testing your store

suggested before.

continued...




If you’ve already done that and found your

idea a winner, perhaps you can expand the

scope of that retail experiment. Use this setback

to your advantage and cultivate increased demand

for your products. Consider doubling the

amount of inventory you carry in the booth or

kiosk, or set up two mini-stores in different locations

around your area. The added exposure

can only broaden your customer base. If you’re

truly an entrepreneur, you won’t give up; you’ll

turn adversity into opportunity.

On the other hand, if your experiments

brought you limited success,

and your best efforts failed to

generate the financial support to

get your business off the ground,

it’s time to step back and reevaluate

the store concept.

9

Consider the experience of the visionary behind

Hub Central, specialist in auto hubcaps.

He recognized his business opportunity one afternoon

driving home along one of his busy

home city’s neglected byways. What did he

see? A lot of potholes, a lot of cars hitting them,

and a lot losing their their hubcaps. What startup

inventory he couldn’t collect from the road

shoulder, he purchased at area junk yards. He

started in an open-air market conveniently situated

across from the city’s strip of auto parts

stores.

Some of his customers were the disgruntled

drivers who lost wheel covers during their

daily commute. Most, though, turned out

to be car collectors and restorers looking

for vintage caps for their vintage cars.

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They also inquired about

other parts: chrome fenders,

trim, and hood ornaments.

After a few months

he realized there weren’t

enough people who

needed hubcaps to justify

his retail existence. Hub

Central became The Chrome Palace, and quickly

outgrew the flea market to become the source

in the state for vintage auto trim and hubcaps.

That may seem a highly specialized example,

but it demonstrates the kind of thinking that

should guide you in reinventing your store if

you must. You may have the right idea for the

wrong audience, or be approaching a valid

market with a flawed strategy. Review all your

notes about the theory behind your store,

searching for the opportunities

you may have missed or

overlooked the first time

around. Rethink the concept,

and begin experimenting

again.

YOUR PRE-OPENING CHECKLIST

& SELECTING INVENTORY

If you were fortunate enough to win sufficient

financial endorsement for the store concept, or

if you’ve reinvented your dream to fit your

budget, you should waste no time in putting

your plan into action. Before embarking on

your quest for funding, you compiled a list of

everything required to put your store in operation.

Now organize those needs into a logical

progression of manageable events.

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TARGET OPENING DAY

& DRAW UP A CHECKLIST

For now, your concern should be working toward

one deadline: Opening Day. Your first reference

point in setting up the schedule of

activity is the date when renovation work will

be completed and you can occupy the space.

Try to set opening day for at least a month from

that date. You can always open your doors before

the event, if things work to your advantage.

You may also push it back a little if

something slows the schedule. The important

thing right now is to set a target date, a fixed

deadline you plan to meet.

Next take your expenses list and compile a

checklist of whatever you must do in order to

acquire those goods or services. Make this as

detailed a list as necessary.

You’ll later experience a

tremendous sense of satisfaction

crossing completed

tasks off the list.

Sign the lease, hire the contractor, and let the

renovation work proceed. If you decide to do

the work yourself, push your opening day back

at least 2 weeks, preferably a month, immediately.

That’s because you should be using the

time the premises is being readied for occupation

to handle other start-up activities. Like arranging

for telephone service. Purchasing

fixtures and displays. Developing and approving

a store logo. Ordering business signs and

business cards. Investigating and deciding on

a computer inventory management system.

continued...


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Installing a security system. Setting up displays.

Loading shelves. Training staff. Planning

pre-opening day advertising and promotion.

And inviting dignitaries and the media.

These activities will vary, depending

on the type of store,

your space needs, and how

you plan to reach your audience.

But every checklist

should be a detailed accounting

of everything that must be done, broken

down by the month, week, even day leading up

to the big event.

Let’s look at the 2 major items likely to be

on the checklist: inventory & personnel.

SETTING UP YOUR INVENTORY

Your store is all about what it sells. From your

earlier contact with suppliers you should already

know what kind of turnaround they can

give on orders, and the terms available to you.

As soon as you give the contractor the goahead

to start work on the store, get out your

inventory lists of what you plan to sell. Organize

it by source, manufacturer, distributor, or individual

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opening day, and when you expect to be ready

to take delivery of the products. Ask if they’ll

take your order now and hold the goods at the

warehouse. This is a good idea if you’re entering

any high-demand category as product

shortages do develop. If you haven’t already

worked out the terms of sale, now is the time

to handle that as well.

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RETAILERS FORUM MAGAZINE | AUGUST 2025 Page 73


Finally, request information about any upcoming

advertising programs, promotional campaigns,

or co-op requirements. Request your

contact mail you anything that’s available, immediately.

The material may help with your

promotional plans.

Before you’re ready to take delivery on the

goods, you must prepare the space for them in

2 areas of your store: on the sales floor and in

the warehouse. If shelving isn’t part of the renovation

project, determine your needs and

order what’s necessary. The same for display

racks and other floor fixtures. You want to be

ready as soon as the goods arrive.

Next, for your pricing responsibilities. Unless

you plan on your store being one where the

customer who must ask cost has no business

coming in, every item needs to be ticketed with

your selling price. First, ask your suppliers if

they will supply pre-ticketed merchandise.

Some do, for a fee. If not, it’s your responsibility

to go through this rather labor-intensive

process. How you handle this should be based

on whether or not you’ll be using a computer

system for sales and inventory management.

The most difficult part of

setting up a computerized

system is entering all the products

you sell into that system.

Even if you decide to use bar coding for product

ID and price information, you or an employee

must enter a price and description for

every SKU (stock-keeping unit) in the store, as

well as the number of each item you have on

hand.

continued in next issue ...

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Retailers Forum Magazine September 2025

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