SpectraPawn

Complete Pawn Shop Billing & Management

Specialized software for pawn brokers and gold loan businesses. Manage pledges, interest, renewals, and compliance — all in one place.

Coming Soon
Highly rated by our customers
Pledge Receipt

PLG-2024-04891

CustomerMohammed Farooq
Mobile+91 98765 43210
ItemGold Chain 22K — 12.5g
Appraised Value₹62,500
Loan Amount₹50,000

2%

Monthly

90

Days

₹3,000

Interest

Due: 04 Aug 2026 — KYC Verified

Simple 6-step workflow

From customer walk-in to compliance reports — all automated.

01

Customer Walk-in

Log customer KYC, Aadhaar verification, and contact details in seconds.

02

Item Appraisal

Record item details, photos, purity, and appraised loan value.

03

Pledge Creation

Generate pledge receipt with terms, interest rate, and due date.

04

Loan Disbursement

Record cash or UPI disbursement directly against the pledge.

05

Renewal / Repayment

Accept partial/full payment, renew loans, or mark as forfeited.

06

Reporting

Generate compliance reports, interest income statements, and daily cash summaries.

Features designed for pawn businesses

Pledge Management

Record gold, silver, electronics, and other items with photos, weight, purity, and appraised value.

Interest Calculator

Flexible daily/monthly interest with compound and simple interest modes. Auto-calculates on due dates.

Renewal Alerts

Automated SMS and WhatsApp reminders to customers before pledge expiry. Reduce forfeitures.

Customer Ledger

Complete customer history — all pledges, repayments, renewals, and outstanding balances.

Compliance Reports

Generate reports required by state pawnbroking regulations. Audit-ready documentation at all times.

Revenue Analytics

Track interest income, outstanding loans, redemptions, and auction proceeds with visual dashboards.

Vault Management

Secure item tracking with locker numbers, shelf locations, and movement logs for pledged goods.

Item Appraisal

Record item descriptions, weight, photos, and appraised values with multi-appraiser support.

Modernize your pawn business today

Contact us to schedule a personalised demo for your pawn business.