Fast, Flexible
Pawnbroker Business Loans
Get working capital with Pawnbroker Funding to buy inventory, write more pawns, cover overhead, or purchase new equipment. Apply online now. Decisions in as little as 3 business days.
Easy
Reliable
Secure
How Do Pawnbroker Loans Work?
Submit one short form and let us handle the heavy lifting.
No bank-style red tape, no weeks of waiting—just quick capital so you can keep the cases full and tickets moving.
Apply Online
01
Fast Approval
02
Receive Funding
03
Begin Growth
04
01 Apply Online
Complete our 5-minute form and upload —done.
02 Get Approved Fast
Most pawn shops receive a tailored offer within 3 business days.
03 Receive Pawn Shop Funds
E-sign the agreement, and we deposit cash in as little as 3 business days.
04 Grow Your Pawn Business
Restock inventory, fund large purchases, write more pawns, cover overhead—use the capital where it counts.
Pawn Shop funding needs are unique
Determine Your Funding Needs
Working Capital
Keep operations running smoothly. Use fast-access funds to cover expenses like payroll, utilities, or marketing.
Inventory Loans
Need to restock your showcases? Use this loan to purchase gold, electronics, tools, or other high-value items.
Writing More Pawns
Gives you the flexibility to write high dollar pawns. Never let a pawn walk out the door because you don’t have the funds.
Custom Solutions
Every pawn shop is unique. That’s why we offer flexible funding tailored to your business model and cash flow needs.
Quick Cash For Pawn Shops
Our electronic funding and repayment system makes it easy to move money fast directly to and from your business account, with full transparency.
Why Pawn Brokers Choose Us
Fast approvals. Trusted. Tailored funding built for your Pawn business.
- Pawn-Industry Focus. We loan against pledged goods and inventories—traditional banks don’t.
- Custom Loan Solutions. From single-location shops to regional chains.
- State-Compliant. Funding for state-compliant and licenced operators
Built by a Pawnbroker—For Pawnbrokers
“I understand the financial needs of a pawn shop, because I am a Pawnbroker.”
— Kelly Swisher, Pawnbroker, Founder & CEO
20+ Years Behind the Counter
Founder Kelly Swisher knows the pawn shop business cash‑flow crunch first‑hand—early in his career he needed to scrap gold weekly and sometimes even daily, and maxed out credit cards to keep his shop growing.
Today he and his partners turn that hard‑won insight into fast, secure funding for fellow pawn shops, delivering working capital without bank‑style red tape.
Why it Matters
- Real‑world insight into pawn and redemption cycles.
- Approvals in as little as 3 days!
- Funding designed to scale with your growth.
Kelly J Swisher – President, Illinois Pawnbrokers Association
Start Your Loan Application
Need working capital fast? Tell us what your shop needs — we’ll take care of the rest. Our team responds within hours and works with you to build the right loan solution.
Frequently Asked Questions
Have questions? You’re not alone. Below you’ll find answers to the most common questions pawn shop owners ask about getting funded. Still curious? Contact us — we’re here to help.
Why Choose Pawnbroker Funding?
We are run by people who have experience in the pawn industry for over 20 years. We know what the pawn business is like because we live it every day. We understand the needs of pawnbrokers.
How long is the loan process?
We have made the application process as streamlined and simple as possible. You will have an answer in as little as three days, most times sooner.
How much will it cost me?
Individual pawnshop loan rates can vary depending on your business and your specific needs. The range is between 1.8% and 3% per month.
Is there a prepayment penalty?
No. We will never charge you for repaying early. You simply pay for the time used.
How long will it take to receive the money?
Once you are approved, the funds can be transferred to your bank account the same day
How do I get started?
Simply fill out this form.