Lend on any luxury asset.
Run none of it by hand.
Watches, diamonds, jewelry and gold — through art, boats and collectibles. One connected platform can run the entire Luxury Line of Credit loop: intake, funding, payments, reminders, valuations, books and recovery. The interactive concept below shows how those systems and people come together.
The business is connected by people. The platform should connect the work.
Loans, appraisals, reminders, payments, the drawer, accounting, certificates and marketplace activity can live in one governed system. ProPawn AI can replace fragmented tools or ingest their records behind a secure login, then automate the operating loop without losing control of the money.
TODAY The manual loop
- ✕The customer surface is thin, while payment and payoff actions still require staff handoffs
- ✕Zelle payments matched to loans by reading bank emails one by one, every weekend
- ✕Reports exported to Excel and reconciled by hand at month-end in QuickBooks Desktop
- ✕Reminder messages do not carry every customer action through payment processing and books
- ✕Collateral valued once at pawn — no view of whether it's rising or falling
PROPAWN AI The automated loop
- ✓Self-serve intake with an instant index-backed offer; customers see balances and repay by Zelle, ACH or card in two taps
- ✓A connected bank feed can let AI match each deposit to its loan ID, with exceptions held for confirmation
- ✓A validated accounting bridge creates review-ready entries for QuickBooks Desktop or an agreed future integration
- ✓SMS, push or WhatsApp-style Pay Interest, Pay Later and Redeem actions stay tied to the serialized loan ID
- ✓Every item marked to live market indexes daily — you always know your real exposure
One platform, three outcomes
We wire the money loop, the portals and the valuations together on proven rails. The result: the desk runs itself, the books close in real time, and you finally see your book clearly.
The money runs itself
Intake, payments, AI reconciliation and QuickBooks sync — from origination to recovery. No more weekend batches, no more month-end.
Every party gets a portal
Customers pay and track loans; your 100+ appraisers originate and earn; you run the whole book from one screen — bilingual EN/ES.
You see your real exposure
Collateral marked to live indexes daily, with concentration and LTV alerts — so risk is a number you watch, not a surprise.
The workflows below are scaffolded and clickable in the interactive demo
Put your own numbers in
A transparent, editable model — drag the sliders to your book and see what the automation is worth per year. Assumptions shown below; every figure is illustrative.
Conservative planning assumptions: 85% of reconciliation, reminder and bookkeeping time automated at an adjustable $20/hr default · cadence recaptures 1.5% of annual interest (5%/mo book) · marketplace adds 12% margin on the ~4% of book that defaults. The call confirmed several manual handoffs, but did not state wages or exact labor hours.
Every desk, one pane of glass
The connected operating modules that make up the platform, each represented, clickable and stateful in the demo.
AI Reconciliation
Deposits auto-match to loan IDs via serialized memo tags. High-confidence matches book themselves; exceptions queue for one-click review. Your daily drawer arrives pre-verified against the bank feed — end-of-day close is one tap.
Kills the weekend batchDirect Payment Portal
Clients pay in the portal itself — Zelle with auto-tagged memos, one-tap ACH via a Plaid-linked bank, or card. No app store needed; SMS + push reminders deep-link straight into it.
Zelle · Plaid ACH · cardMarket Evidence Desk
Separate wholesale cash-out, retail asking, spot and verified-sale evidence for watches, diamonds, gold and jewelry. Every source shown here is illustrative until commercial access and rules are approved.
WatchCharts · RapNet · spot · own salesRisk & Concentration
Category exposure limits with live alerts — know when you're 70% Rolex before it's a problem. Aggregated LTV drift, default probability and appraiser scorecards.
Portfolio-level brainAccounting Bridge
Every payment, funding, default, item sale and partner settlement produces a review-ready journal event. The connection method must be designed with the bookkeeper around the current QuickBooks Desktop workflow.
Current: Excel + QuickBooks DesktopRecovery Marketplace
Defaulted collateral flows to a public storefront with index-backed pricing and verified-sale badges. Lent $16k, sold $20k — and the data feeds back into valuations.
Defaults become marginPartner Network & Onboarding
The 100+ appraisal locations become a managed network: jewelers and pawn shops onboard in a 15-minute wizard — e-signed terms, valuation guardrails, their own intake desk. They appraise and originate; you fund and they earn 2%. Try the partner portal ↗
Scales the 100+ networkClient Portal
Customers see everything they've pawned with live values, upcoming payments, full history and reminder preferences — then pay by Zelle, bank or card in two taps. English and Spanish, matching the Miami client base. Try the live demo ↗
Self-service · EN/ESAsset Certificates
A jeweler creates a certificate at the point of sale, even when there is no loan. The customer keeps the appraisal, value history and future loan button; the originating jeweler retains attribution and participation when that loan funds. The secure registry stays underneath the customer product.
Certificate → future loanThe product logic is scaffolded. Activation is connection and validation.
This demo is not pretending the production integrations are already switched on. It shows the operating model, the user journeys and the automation logic so the ProPawn team can validate the direction before we connect real systems.
A complete, testable product blueprint
- ✓Owner command center, loan book, payment exceptions, daily drawer, risk views and books workflow
- ✓Interactive customer and appraiser journeys, including origination, reminders, payments and settlement
- ✓State-changing demo flows that show what happens after a payment, payoff, default, resale or new partner intake
- ✓Research-backed integration map for bank feeds, Stripe/Plaid, communications, QuickBooks and valuation data
Connect the real operation in a controlled pilot
- 1Connect the agreed bank, payment, messaging, accounting and valuation accounts
- 2Import and map current loans, collateral, customers, appraisers and historical transactions
- 3Confirm approval rules, rates, reminder cadence, exception handling and user permissions with the team
- 4Run a parallel pilot, reconcile results against the current process, then expand only after sign-off
Plaid Link can connect the approved production accounts
The portal models the real institution-selection experience while keeping this public demo credential-free.
Four decisions turn the concept into an implementation plan
Appraise → Fund → Collect → Reconcile → Recover
One serialized ID follows every item through the whole lifecycle. Nothing falls through the cracks — and every step writes its own books.
Certify
Jeweler appraises the sale, creates the customer's asset certificate and preserves origin attribution, whether or not a loan exists.
Fund
Loan created with serialized ID, LTV vs live index, rate & participation split. Docs + welcome message fire automatically.
Collect
SMS + push cadence runs. Portal pay links settle instantly; Zelle deposits tagged by memo ID.
Reconcile
AI matches bank and Zelle evidence to serialized pawn IDs, then creates a review-ready accounting event. Exceptions stop for approval.
Recover
Defaults roll to itemized inventory, then record the exact item, buyer, channel and sale price. Basis treatment remains subject to accountant validation.
Nothing on the market does this
Bravo, PawnMaster and CashFootprint are point-of-sale compliance tools built for walk-in pawn counters. None of them serve a wholesale appraiser-network lending desk — and none of them touch automated collection flows, live index valuation or AI reconciliation.
POS tools ≠ lending desks
Incumbents optimize the pawn counter: tickets, police reporting, firearms compliance. Your model — jewelers originate, you fund — is a different business that deserves purpose-built software.
Replace or ingest
The platform can become the primary operating system or securely absorb the useful records and connections already in place. The demo focuses on the destination: one controlled lending workflow.
Designed to become the platform
Role-based access, asset intelligence, automated servicing and a complete financial trail make this more than an overlay. It is the scaffold for ProPawn's operating product and future network.
Explore the connected platform.
Active loans, a reconciliation queue, reminder cadences, index-tracked collateral, recovery, books, and customer and partner portals are preloaded so the team can test the concept end to end before production connections begin.
Launch the Live DemoAnswer the remaining questions, then bound the right first build.
The next working session converts this concept into an accountable production plan. It identifies what ProPawn already uses, who owns each decision, how authorized agent access should work, and the smallest pilot that proves value without pretending the integrations are already connected.