We finance the people banks ignore.
We are building the collateral-backed credit infrastructure for a $30–42B/year global market. PawnShop App democratizes liquidity without liquidating assets for banked users, unbanked individuals, and pawnshops across the US. If you're interested in joining the round, let's talk.
The thesis in 60 seconds
The problem
Traditional pawn lends 20–30% of value and liquidates the asset in its own favor. Over a billion people globally with assets live in cash, without access to fair credit.
The wedge
We raise the loan to 60–80% of value because investors compete for the yield, instead of a single lender dictating the price. Two brands capture both hemispheres.
The moat
Offline-first architecture, double-entry ledger from day one, continuous biometric KYC and reputation as a substitute for the credit bureau that doesn't exist in our markets.
Why now
Stable liquidity rails, smartphone penetration, and the universal need for immediate liquidity without selling assets — for both the modern banked user and the massive informal market.
Traction
Live on iOS, Android and web. We share directional growth metrics on a call under NDA — as a matter of discipline we don't publish absolute figures in the open.
Next steps
We don't publish absolute figures, round terms or a cap table on this page. That is discussed privately, with the right person.
You reach out
Tell us what caught your attention. We reply within business hours.
A 20-minute call
Context, directional traction and mutual fit. No canned pitch.
Memo and data room
If there's a fit, we share the one-page memo and the data you ask for.