Morning
A pledge comes in
The appraiser weighs and tests a customer's gold, works out the loan-to-value against today's gold-price reference, and issues the loan.
Coming soon Local businesses by country
Values the gold, tracks the pledge, keeps the vault in balance
For a gold-loan or pawnbroking shop that appraises jewellery, works out the loan-to-value, tracks interest and redemptions, and reconciles the vault's physical gold against the loan book.
Gold-loan shop · from$29a month, per shopWhat is included
A working day
A day in a gold-loan shop
Through the day
Payments and redemptions
The cashier records interest-only payments and full redemptions, handing pledges back to their owners.
Afternoon
Overdue pledges reviewed
The branch manager reviews any loan approaching its notice period, before an auction becomes necessary.
Evening
The vault is checked
The vault is reconciled: its physical gold counted against what the loan book says should be there.
Weekly
The book is reviewed
The owner reviews the loan book's size, overdue pledges, and branch profitability.
What goes wrong today
The problems it takes away
Slab-by-slab calculation
Working out the loan-to-value by hand, slab by slab, for every pledge size.
An unproven vault
Proving the vault's physical gold matches the loan book only happens, if at all, at a stressful month-end count.
No auction countdown
An overdue pledge's countdown to its legal auction deadline is tracked on paper, if at all.
Disputed valuations
A disputed valuation, argued after the gold is already sitting in the vault.
What it does
Everything a gold-loan shop runs on
Parts marked Coming soon are on the way; founding shops get them first, at no extra charge.
The collateral loan book itself
Coming soonPledge intake, a loan-to-value slab, interest accrual, part-redemption and an auction-on-default flow will come together as one connected record. It doesn't exist in the product yet.
Weighing the gold
Live demoOur retail demo already weighs an item and prices it by the gram; the same idea, extended to a gold appraisal with a purity test, is the next step for this trade.
A running balance, redirected
AvailableThe product already tracks a running customer balance with ageing behind it; redirected here, it can hold a loan's principal and interest instead of an ordinary shop credit balance.
More than one branch
Live demoEvery branch is already a dimension on the record; a single combined view across a small chain of branches is still being wired up.
Reminders by WhatsApp
Live demoA WhatsApp button pre-fills an interest-due or redemption reminder; a person still presses send.
Tax on fee income, not on interest
AvailableThe tax engine lets a fee line carry its own tax code, separate from interest income, without a country's rules hard-coded.
Branch staff pay
Coming soonEach pay period already posts as one balanced accounting entry; a full pay run for branch staff is still being built.
Who uses it
Each person sees their own day
Appraiser/valuer
To weigh, test and calculate a loan-to-value fast, without a manual gold-price lookup.
Cashier
To record an interest payment or a redemption without touching the pledge's own record.
Branch manager
The vault's physical gold to provably match the loan book.
Owner
To see the loan book's size and which pledges are heading toward auction.
Behind the counter
The whole business, not only the till
The screens for your trade sit on a full set of books. These parts come with it.
Accounts
Double-entry books, statements, period close.
Money
Cash, bank, cheques and reconciliation.
Tax
Tax on every line, by your country's rules.
Staff and pay
One staff register, attendance, pay runs.
Fixed assets
Machines and vehicles, and their wear.
Reports
The numbers an owner asks for each morning.
Branches
More than one shop, one set of books.
On the counter
The hardware a gold-loan shop needs
Bought together with the software: one delivery, one bill, set up to work.
The price
What a gold-loan shop pays
Gold-loan shop · Cloud
$29
per shop, per month
or $696 once, for 3 years
- The till, stock and purchases
- Real accounts built in
- First till included
- A year costs ten months
- Pay once for 3 years and the last year is free
Pre-order
Gold-loan shop · Cloud + LAN hub
$45
per shop, per month
- Everything in Cloud
- Keeps every till selling when the internet drops
- Tablets and kitchen screens on the hub at no extra charge
- Pre-order: pay the Cloud price until the hub ships, then move up free
Introductory price. Local taxes are added where they apply. A second shop costs the same as the first. Prices for countries without their own page, in USD, as of 28 Sep 2026.
Founding shops
The first 50 shops in each country get free setup and data import with a yearly plan, and today's price locked for two years.
Claim a placeThis trade does not have its own price line yet. The price shown is our retail line, and we confirm it when we quote.
Straight answers
Gold-loan shops ask
Can it prove the vault's gold matches the loan book?
Not yet. It's planned: reconciling the vault's physical count against the loan book's recorded holdings. That screen doesn't exist yet.
Does it apply a loan-to-value slab automatically by loan size?
Not yet. Applying a loan-to-value slab by loan size automatically is planned; today it would need to be set up as a rule.
Can it track an auction when a pledge defaults?
Not yet. An auction-on-default flow is planned; it hasn't been built yet.
Does it work if we run more than one branch?
Every branch is already a dimension on the record; a single combined view across branches is still being wired up.
Does this make us compliant with RBI rules or our state's Pawnbrokers Act?
No. It applies the loan-to-value slab and records interest and redemptions the way you configure it. Meeting RBI's rules or your state's Pawnbrokers Act stays your own licensed business's responsibility.
See it run a gold-loan shop.
Twenty minutes on a call. We show your day on the screen, with your words and your stock.