Who it is for
Gold-buying businesses, pawn shops and jewellers that buy from individuals and have to keep the statutory register, anti-money-laundering records and smelting notifications. All of that moves out of spreadsheets and loose paperwork.
Product · Gold software
Gold software: pawn loans, purchases from individuals and the statutory register
If you buy gold from individuals or lend money against pledged items, this keeps the deadlines, the statutory register, the cash and the day’s gold price in one place. A real gold-buying and smelting business already uses it.
Pawn loans with their deadlines in view
Each pawn loan stores the customer, the item, the amount lent, what has to be paid back and the due date. One look at the list tells you how many days are left, how much has been paid and whether it is active, renewed, redeemed or overdue.
- You set the loan percentage, the APR, the opening fee and the storage fee.
- Partial payments, renewals and redemption of the loan.
- Every day at 10:00 it flags the loans that are about to fall due.
- The loan contract as a PDF.
Purchases from individuals
Every purchase of gold from an individual is recorded with the seller’s details, the items, the grams and the amount. You can view them by period, with the total amount and grams, and download them as PDF or CSV, which opens in Excel.
- A signed purchase record with an image of the seller’s ID.
- If the customer has an open pawn loan, the purchase can be offset against it.
- Date filter, search by customer and CSV export.
The statutory register in the official format
The program produces the register in the format of Annex I of the Order of 2 November 1989, which allows entries to be kept electronically on loose sheets. Each entry shows the order number, the date, the person involved, their ID, the kind of item, the weight and the price paid.
- Sheets ready to print and bind.
- It tells you which purchases have not been entered yet.
- Entries are never deleted: they are cancelled and the reason is recorded.
The screenshots are from the program with invented data. We have cropped out the header because it carries the client’s brand.
Everything it includes
Pawn loans and appraisal
Pawn loans
Contract, amount lent, interest, fees and due date, with partial payments, renewals and redemption.
Items and appraisal
Each piece with its category, weight, carats, material, condition and appraised value, and categories with their loan percentage.
Storage
Where each pledged piece is and what movements it has had.
Due-date alerts
A daily alert for pawn loans about to expire, with the text you configure.
Purchases and compliance
Purchase records
With the seller’s details, the pieces, the grams and the amount, as PDF and with CSV export.
Signature and ID from the phone
The customer signs and sends an image of their ID from their phone using a link.
Statutory register
In the official format, with sheets to print, cancellation of entries with a reason and an alert for purchases not yet entered.
Smelting
Batches of pieces to melt and their smelting notification.
Withholding and transfer tax
Modules for withholding and for the property transfer tax on purchases.
Money-laundering prevention
A money-laundering prevention module for the business.
Document archive
The business’s documents stored and at hand.
Money and management
Gold and silver price
Price per gram for 24, 18, 14 and 10 carat, updated every few minutes, with its history.
Purchase calculator
An adjustable percentage of the day’s price to know how much to offer.
Cash
Money in and out by payment method and the balance of the pawn cash.
Invoices and credit notes
With sequential numbering and VeriFactu registration.
SEPA transfers
Batches to pay customers.
Profitability
Fixed costs, melting loss and target profit to work out the profitability of the business.
Customers and communication
Customer management
Records with their purchases and pawn loans, and consent to receive marketing.
Campaigns
Messages to customers who have agreed to receive marketing.
Video posters
Video posters for the screens in the shop.
Users, roles and API
Each employee with the permissions they need and a public API in English, with keys limited by scope.
VeriFactu
In the live installation, invoices are registered with the Spanish Tax Agency through VeriFactu, via an external provider. In our test copies that submission is simulated.
Why custom-built software
- It is designed for the gold trade: pawn loans, purchases from individuals and the statutory register in one program.
- A real gold-buying and smelting business already uses it.
- The database is yours and sits on your own server.
- What differs from one business to another, such as terms, rates and alerts, is configurable.
- The code is yours, and we take care of maintaining it.