A Credit Line Built for
Pawn & Jewelry Operators

Once approved, you'll connect your business bank account directly in the dashboard. Funds are sent via RTP (Real-Time Payments) — the money appears in your account within a minute.

For customers using our Capital Per Item (item-level financing) with a connected bank account, funds are transferred within 30 seconds of approval — directly to your account.

The application is designed to be straightforward. You'll need:

Business information: Legal business name, store address, state of operation, store type (general pawn, jewelry & loan, etc.), and years in operation.

Owner information: Owner name, contact info, percentage of ownership, and Social Security number.

Business documents: Recent bank statements (last 3 months), a CRM or inventory report, and your pawn or jewelry license. If your business deals with firearms, you'll also need your FFL (Federal Firearms License).

P2M offers working capital starting from $5,000, with no hard cap — we've funded businesses up to $500,000+. The amount you're approved for is based on your pawn portfolio's collateral value, monthly revenue, and business history.

First-time applicants typically see approvals in the $10,000–$200,000 range. Repeat customers with strong repayment history often qualify for higher amounts on subsequent applications.

We fund licensed pawn shops operating in the United States, including general pawnbrokers, jewelry and loan shops, electronics pawn, title loan operations, and other collateral-based retail businesses.

To qualify, your business must: be licensed to operate as a pawnbroker in your state, have been in operation for at least 6 months, and have a minimum average monthly revenue of $15,000. We operate in all 50 states.

Traditional banks use generic small business credit models — they apply retail inventory logic to pawn collateral, which severely undervalues your actual asset base. They also rely heavily on personal credit scores and real estate collateral.

P2M's underwriting engine was built specifically for pawn. We evaluate collateral quality by category (jewelry, electronics, tools, etc.), active loan-to-value ratios, redemption rates, seasonal trends, and revenue consistency. This means we can accurately assess your real business value and approve financing that banks would decline.

For our Business Credit Line, repayment terms are 6 to 24 months with fixed weekly or monthly payment options. You can pay off your balance early at any time — no prepayment penalties, no hidden fees.

For Capital Per Item (item-level financing), you can repay at any time. Our interest is fully prorated — meaning you only pay for the exact days you held the loan, nothing more. Pay it back in a day, a week, or a month — you're never locked in, and you never overpay.

Applying with us has no impact on your credit score. We collect personal information from business owners — including for collateral purposes — but we typically do not run credit checks.

We reserve the right to perform a credit check in certain cases, but in practice we rely on your business financials and collateral portfolio to make our decision, not your personal credit history.

Yes. Your data is stored securely using AWS (Amazon Web Services) infrastructure, with industry-standard encryption protecting all information in transit and at rest.

We partner with trusted, regulated financial operators — Plaid for bank account connections and Dwolla for payment processing — both of which maintain rigorous security and compliance standards. We never sell your data to third parties.