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.
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.
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.
Intake, payments, AI reconciliation and QuickBooks sync — from origination to recovery. No more weekend batches, no more month-end.
Customers pay and track loans; your 100+ appraisers originate and earn; you run the whole book from one screen — bilingual EN/ES.
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 →
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.
The eight modules that make up the platform — each one live and walkable in the demo.
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 batchClients 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 · cardCollateral 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 APICategory 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 brainDirect 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 entriesDefaulted 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 marginThe 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+ networkCustomers 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/ESEvery 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 engineOne serialized ID follows every item through the whole lifecycle. Nothing falls through the cracks — and every step writes its own books.
Jeweler values the item in their portal. Digital certificate minted, wholesale index benchmarked.
Loan created with serialized ID, LTV vs live index, rate & participation split. Docs + welcome message fire automatically.
SMS + push cadence runs. Portal pay links settle instantly; Zelle deposits tagged by memo ID.
AI matches deposits → loans → QuickBooks in real time. Exceptions get a review queue.
Defaults roll to inventory at principal + accrued, list on the marketplace, and close the P&L loop when sold.
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.
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.
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.
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.
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 →