Gold has been on a tear. As of this morning, gold spot price sits at $5,180 per ounce JM Bullion, up roughly $15 from $5,165 a week ago Fortune, and more than $2,244 higher than a year ago. Fortune A brief spike past $5,299 mid-week was driven by US-Israeli strikes on Iran, triggering a safe-haven rush into bullion.

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For pawnbrokers, that’s significant and here’s why it changes the conversation around capital.

More gold coming through the door.

When spot prices climb, customers bring in more gold. Chains, coins, rings, bars, items that have been sitting in drawers suddenly become worth a trip to the pawn shop. That’s good for business. But it also means you need more cash on hand to fund those loans, right when demand is peaking.

Most pawnbrokers hit a ceiling not because deals aren’t there — but because their capital is already tied up in existing loans.

This is exactly what p2m solves.

p2m provides short-term, per-item financing for pawnbrokers. Instead of turning away a customer because your float is tied up, p2m funds the loan against the collateral item. You keep the deal, you keep the customer relationship, and you collect your profit when the item is redeemed, without having to wait for your existing loans to cycle through first.

Based on real transaction data, the average gold pawn deal through p2m.ai runs around 24 days. At current gold prices, a customer pawning just 5 ounces is bringing in over $25,000 in collateral. That’s a deal worth doing, the question is whether you have the capital available to do it today.

The opportunity right now is real.

Gold is up over $2,200 per ounce compared to a year ago. Customers know their gold is worth something. They’re coming in. The pawnbrokers who win in this environment are the ones who never have to say no because of a cashflow problem.

p2m.ai makes sure you’re always funded for the next deal.