◈ A VantaCloud Proposal · Prepared for ProPawn

Lend on any luxury asset.
Run none of it by hand.

Watches, diamonds, jewelry and gold — through art, boats and collectibles. One platform runs the entire Luxury Line of Credit loop: intake, funding, payments, reminders, live valuations, books and recovery. The desk runs itself, the book compounds — and the working demo below is the full walkthrough.

Interactive demo · Real-world dummy data · No login required
−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
The Problem

The desk runs on phone calls and spreadsheets

ProPawn lends millions against luxury collateral — on a stack that was never built for it. Every dollar is tracked by hand, and the whole operation lives in one person's head.

TODAY The manual loop

  • Customers call, drive in, and leave with a paper receipt — no balance to check, no way to pay from a phone
  • 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
  • Reminders sent ad-hoc — no cadence from signing to due date
  • 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
  • Bank feed ingested live — AI matches every deposit to its loan ID; you just confirm
  • QuickBooks entries post themselves the moment money moves — the month-end handoff disappears
  • Reminder cadence on autopilot: welcome → T−5 → due → grace, by SMS + push with pay links
  • Every item marked to live market indexes daily — you always know your real exposure
The Proposal

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.

Everything below is built and clickable in the live demo →

What It's Worth

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.

Assumptions: 85% of reconciliation/reminder/bookkeeping time automated at $60/hr ops cost · cadence recaptures 1.5% of annual interest (5%/mo book) · marketplace adds 12% margin on the ~4% of book that defaults.

Hours back per year
Admin cost saved
Interest recaptured by cadence
Extra recovery margin
Estimated annual impact
What You Get

Every desk, one pane of glass

The eight modules that make up the platform — each one live and walkable 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 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.

The Walkthrough

The demo is the whole platform, working

Active loans, a live reconciliation queue, reminder cadences, index-tracked collateral, a recovery marketplace, and the customer & appraiser portals — all preloaded so you can click through the entire loop end to end.

Launch the Live Demo →