Pawn Broking Software
Keep pledged items, customer records, loan entries and collections connected throughout the loan lifecycle. Bharat AI Finance supports pawn shops and gold loan lenders with item weight and photo records, interest calculations, part payments, renewals and overdue alerts, helping staff answer enquiries from a clear transaction history.
Illustrative interface with sample data. Select the image to explore it at full size.
A better fit for your daily work.
Pledge details are hard to retrieve
A customer enquiry may require the loan register, a photograph and separate KYC paperwork. Connecting these records gives staff a clearer view of the pledged item and the associated loan.
Part payments complicate follow-up
When payment notes and interest workings sit in different places, staff can struggle to explain a current balance. A connected loan history makes the recorded sequence easier to review.
Overdue records need timely attention
Busy counters can miss loans that need a renewal conversation or overdue review. Alerts help create a practical worklist, while staff retain responsibility for checking details and taking action.
Everything your team needs, connected.
Customer and KYC records
Maintain customer details and KYC records with the business information used during loan entry.
Pledge entry with weight
Record the pledged item’s weight and identifying information as part of loan entry.
Item photographs
Keep a photo with the pledge record so staff have a visual reference during an enquiry.
Interest calculation
Calculate interest within the loan workflow using the method agreed for your setup.
Part payments and renewals
Record part payments and manage renewals in the context of the existing loan.
Receipts, day book and alerts
Issue collection receipts, review daily activity and follow overdue or auction alerts.
From the first task to a clearer daily picture.
Identify the customer
Locate or create the customer record and review the KYC information needed by your business. Confirm contact details before the record is used for reminders.
Create the pledge record
Enter the item information, weight and photograph alongside the loan details. Have counter staff check the record before completing the loan-entry process.
Record collections
Retrieve the loan, review the interest calculation and enter the payment against the correct record. Provide a collection receipt that staff can find again later.
Handle a renewal
Review the existing loan and payment history before processing a renewal. Test the relevant calculation examples and staff responsibilities during training.
Review the loan book
Check pending dues, overdue alerts and daily collections. Plan customer conversations using verified records and review forecasted collections as an aid to operational planning.
Useful insights. Your team in control.
Use forecasts and alerts to guide your review, with people making the final decisions.
Overdue risk attention
Use alerts to identify loan records requiring staff attention. Review the recorded dates, payment history and customer conversation before deciding how the business should proceed.
Due reminders on WhatsApp
Support timely customer follow-up with due reminders. Agree the communication wording, contact verification and appropriate reminder process before enabling messages for your business.
Collection outlook
Review forecasts and plain-language summaries to understand collection patterns. The output supports planning and does not replace checking individual loan records or the day book.
A clear view of what matters.
Loan and pledge record
Review the customer, item information and recorded loan activity together when responding to a counter enquiry or checking an entry.
Daily collection activity
Use receipt and day-book records to understand the day’s recorded collections and investigate entries that need clarification.
Pending and overdue review
Identify loans needing follow-up and organise a staff review. Confirm required date filters and report columns during the demonstration.
Renewal and payment history
Inspect how payments and renewals relate to the original loan. Discuss the exact statement format needed for your counter workflow.
Made to work with the right tools.
Bring your existing equipment details. We’ll review compatibility, connectivity and the modules needed for your installation.
- Counter computer for pledge and payment entry
- Camera or photo capture workflow to check in the demo
- Receipt printer compatibility review
- Weighing equipment and entry method to confirm at setup
A practical plan for moving forward.
Review real loan examples
Bring examples covering a new pledge, part payment, overdue record and renewal. Use these to agree the scope and required calculation method.
Prepare existing records
Organise customer details, opening loans and pledge references before import. Reconcile a sample of balances and item records against your current system.
Check the counter process
Practise photo capture, weight entry, receipt handling and customer lookup. Confirm any equipment compatibility before deciding what hardware needs to be supplied.
Train and review
Train staff with realistic payment and renewal scenarios. Agree the day-end checks, rollout sequence and support arrangement that fit your operating hours.
Before you choose your software.
Can a pledge include both weight and a photograph?
Yes. Pledge entry with weight and photo is a core capability. Use the demo to check how staff capture, review and retrieve those details for your typical items.
Does the software handle part payments?
Yes. Part payments and renewals are included in the finance workflow. Bring sample calculations so the team can demonstrate how your specific payment situations will be handled.
Can we use our current weighing equipment?
Bring the equipment details to the discussion. The entry method and any direct device connection need to be checked; do not assume every scale communicates with the loan screen.
What does an auction alert do?
It helps staff identify a record for review. It is not an instruction to proceed automatically; the business should check the record and its approved process before taking action.
Can old loan records be moved across?
Discuss the available export, pledge identifiers, customer details and opening balances. Agree the migration scope and reconcile sample loans before the new system becomes the everyday working record.
See your workflow in action.
Bring your real tasks and questions. We’ll use them to discuss the right configuration, equipment and rollout.
- A new pledge with item details
- A part-payment example
- Your interest calculation working
- A renewal and overdue example
- Current printer and weighing equipment details
More ways to support your business.
Bring member records, groups, tickets, auctions and instalment collections into one working system.
Give customers a helpful first response on WhatsApp, even when your staff are serving someone else.
Connect purchase, sales, production, accounts and people operations in a business system built around your daily work.