Pawn Shop Loan and Retail Jewelry Business. Established over 40 years, Management in place
Long-established South Florida Pawn loans, jewelry and retail business operating from a highly visible major thoroughfare in Broward County. The Company has multiple diverse revenue streams, including short-term collateralized pawn lending, fine jewelry and watch sales, gold / silver / precious-metal purchasing, scrap / refinery disposition, general merchandise resale, repairs, layaway and trade-in activity.
The operation benefits from decades of customer familiarity, a primary store manager with 35+ years of tenure, a diversified merchandise mix and a countercyclical business model in which customers may purchase jewelry and valuable merchandise during stronger consumer periods and later return to pawn or sell assets when liquidity is needed.
Investment Highlights:
Corporate history dating to 1982 and management-reported first time offered for sale.
Difficult-to-replicate regulated pawn platform with established local operating history and customer relationships.
Approximately $910K of current inventory at cost and approximately $180K of outstanding pawn principal, management reported.
Primary store manager with more than 35 years of tenure provides significant institutional knowledge and operating continuity.
Diversified economics across pawn service charges, jewelry / watch sales, precious-metal buying, scrap disposition, repairs and general resale.
2025 management operating records show approximately $1.214M of combined store sales, sold scrap and pawn interest / fee activity.
Sold scrap increased from approximately $292K in 2023 to approximately $499K in 2025, a roughly 71% increase.
High-frequency retail adjacency and major roadway visibility support neighborhood and drive-by customer traffic.
Limited current online merchandising / digital marketing creates identifiable upside through e-commerce, marketplaces, CRM and local search.
Potential expansion into higher-value luxury collateral, watch / jewelry pawn, improved inventory analytics and institutional pawn-book management.
Management's profitability must be confirmed as the company is being sold for its assets, including approximately $910K of current inventory at cost, approximately $180K of outstanding pawn principal, pawn and business licenses.
Detailed financial reconciliation materials will be provided to qualified buyers under NDA.
2025 Management records reflect approximately:
$526K of 2025 store retails sales
$601K of pawn originations
approximately $188K of pawn interest / fees
approximately $499K of sold scrap
**Note:
Adjusted owner benefit / SDE is based on management-maintained physical inventory and purchase records. Tax-return inventory and purchase classifications differ materially from management operating records. The inventory / COGS adjustment is management-reported and subject to detailed inventory reconciliation, buyer verification and confirmatory due diligence. Management represents annual economic benefit approximately $400,000-$600,000; this is not tax-return net income, audited EBITDA or reviewed financial information.
***NOT SBA QUALIFIED***
