1. The store is leased by monthly payment. You start small, and don't be too big at first. The monthly rent is up to 4000 yuan, and it has to be paid in advance for two months.

2. It costs about 5,000 yuan to specialize in the storefront, and it should not be too luxurious at the beginning;

3. Buy clothes. At first, don't buy too many times. It is enough to start selling clothes every time 18000.

4. Working capital, 40000-18000-5000-4000 * 2 = 9000, which means that your initial capital of 40000 and cash flow of 9000 can cope with all kinds of emergencies at any time, of course, your living expenses are also included. If the operation goes smoothly, the monthly rent can be met in the first two months, and the inventory of 18000 can be maintained to ensure the normal operation in the future;

In the worst case, even if you haven't sold a commodity in the first two months, you still have at least 8000 yuan, and you can support it for two months; In the end, in the worst case, the store is not good, and the store liquidation will be recovered according to 80% of the purchase, that is, 18000*80%= 14600, with a loss of 25400.

6. Risk assessment: the risk is moderate. Now the clothing market has a certain regional development prospect. If there are not many market entrants in your area, you can completely maintain a monthly profit level of around 4,000 yuan per month; You can recover the project funds in one year, and you can also open a branch for chain operation. The loss rate of project funds is 63.5% in the worst case, and the benefits outweigh the risks.