◈ Concept Preview

The lending OS for
asset-backed pawn.

The ProPawn Luxury Line of Credit — watches, diamonds, jewelry and gold through art, boats and collectibles — originated by your 100+ appraiser network, funded by you. ProPawn AI runs the entire loop: loans, payments, reminders, reconciliation, live valuations and recovery. No more Excel. No more month-end.

Preloaded with realistic dummy data · No login required · Every number is illustrative
−90%
manual reconciliation time — payments auto-match to loans by memo ID
T−5 → T+3
automated SMS + push cadence deep-linking into the direct payment portal
Live LTV
collateral marked to market against watch & gold indexes daily
1 ledger
QuickBooks entries created automatically — origination to recovery
Before / After

From spreadsheet gravity to an automated desk

Today propawn.com is a brochure: the customer journey starts with a phone call, quotes happen over the phone, and the desk runs on exports, emails and end-of-month heroics. Every step below is already proven tech — it just has to be wired together properly.

TODAY The manual loop

  • Customers call 786.812.2247 for loan amounts, drive to an office, and leave with a one-page paper receipt
  • Repaying means calling again and driving back in — no way to see a balance or pay from a phone
  • Payments arrive by Zelle — matched to loans by reading bank emails one by one
  • Weekend batches: 13+ payments hand-checked before "interest received" is clicked
  • Reports exported to Excel, handed to the bookkeeper, reconciled monthly in QuickBooks Desktop
  • Reminders sent ad-hoc — no cadence from signing date to due date
  • Item values are static appraisals — no view of whether collateral is rising or falling
  • Defaults moved to inventory by hand; sale proceeds mapped back manually

PROPAWN AI The automated loop

  • Self-serve digital intake: instant index-backed offer range online, appraisal booked at the nearest of 100+ partner locations
  • Customers see balances, due dates and live item values in their portal — and repay by Zelle, ACH or card in two taps
  • Bank feed ingested live — AI matches every deposit to its loan ID with a confidence score; you just confirm
  • One click books the payment, updates the drawer and posts the QuickBooks entry — same second
  • QuickBooks Online sync (API + MCP agent) — the monthly Excel handoff disappears
  • Reminder cadence on autopilot: welcome → T−5 → T−1 → due → grace, by SMS + push with Pay Interest / Pay Full links
  • Every item tracked against live market indexes (WatchCharts, gold spot) — portfolio marked to market daily
  • Default → inventory → marketplace → sale, with cost basis and P&L entries generated automatically
One Platform

Every desk, one pane of glass

Operations, finance, risk and recovery — with a portal for every party in the loop.

🤖

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 batch
💳

Direct 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 · card
📈

Live Valuation Index

Collateral marked against WatchCharts wholesale indexes, gold spot and verified in-house sales. StockX-style price history on every item. Real numbers, not vibes.

WatchCharts B2B API
🛡️

Risk & 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 brain
📒

QuickBooks Autopilot

Direct QuickBooks API integration — every event (interest received, default to inventory, marketplace sale) posts its journal entry the moment it happens. Desktop→Online migration path included.

QuickBooks API · zero manual entries
🏪

Recovery 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 margin
💎

Partner 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+ network
📱

Client 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/ES
💠

Tokenized Provenance (NFT)

Every appraisal mints a certificate on the LTVNFT rail with the item's full chain — minted, loaned, paid, released or sold. Verified history sells at a premium, and every cert is one tap from becoming the next loan.

Loan lead engine
The Loop

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.

Appraise

Jeweler values the item in their portal. Digital certificate minted, wholesale index benchmarked.

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 deposits → loans → QuickBooks in real time. Exceptions get a review queue.

Recover

Defaults roll to inventory at principal + accrued, list on the marketplace, and close the P&L loop when sold.

Why This Wins

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.

🔗

Built on proven rails

Stripe + Plaid for payments, Twilio SMS + Web Push for comms, QuickBooks API + MCP for books, WatchCharts B2B for valuations. No science projects — assembly of battle-tested pieces.

🚀

A SaaS in waiting

Once it runs your desk, the same platform white-labels to every pawn shop and jeweler network that wants a lending arm — a second revenue line on the same codebase.

Sandbox Preview

See it working with real-world numbers

27 active loans, a live reconciliation queue, reminder cadences, index-tracked collateral and a recovery marketplace — all preloaded so you can click through the whole loop.

Launch the Demo Desk →