Pawnshop management software for SME lenders
Monthly-interest tickets, pledge photos on the customer file, extension interest, redemption and forfeiture — with the same reports and audit trail as the loan modules. Sized and priced for SME pawnbroking businesses, and available under your own brand.
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How pawn tickets map to CLMS Cloud
A pledge is booked as a loan with monthly terms; the pledged item's photos and description go on the customer file; renewals are posted as extension interest; redemption closes the loan; an unredeemed pledge is flagged bad debt and any auction proceeds are recorded as recovery money. The ageing report shows which tickets are approaching forfeiture.
Your brand, our engine — White Label OEM
If you would rather your borrowers, agents and staff never see the name CLMS Cloud, ES Vision can set the whole system up under your lending company’s own brand: your name, logo, colours and favicon throughout the app, your own domain such as loans.yourcompany.com, and branded login screens, emails, PDFs and shareable schedules.
ES Vision handles the deployment, hosting, upgrades and maintenance, so you get an in-house-looking system without an in-house IT team. A dedicated database or a fully private deployment is available where you need the separation, and reseller terms exist for lenders rolling the system out to their own branches or partners.
White Label OEM is quoted per project rather than at a list price, because scope, branding depth and hosting arrangements differ for every lender. Contact our sales team and we will put a number to yours.
Included
- ✓Loan booking with live calculation: front interest, deposit, daily / weekly / monthly instalment plans
- ✓Instalment schedule with per-term status, shareable to the customer as an image via WhatsApp
- ✓Mobile collection round (PWA app): due and overdue instalments with arrears, multi-term settlement
- ✓Payment, partial, late-charge and extension-interest types by cash, cheque or bank
- ✓Customer KYC files (IC, agreement, photos, PDF) in private cloud storage; duplicate IC/phone warning; blacklist
- ✓1–5 star customer grading that re-scores after every payment
- ✓Levels and custom roles (capabilities × team scope), per-user agent access, time-window visibility for new staff
- ✓Reports: loan register, collection, ageing, cash flow, P&L, monthly vintage snapshot — CSV export
- ✓Expenses (40 categories), staff payroll, other income and owner capital in the P&L
- ✓Telegram bot for login codes, digests and alerts; system announcements; maintenance mode
- ✓Audit log on every customer, loan, payment and status change; Data Check self-audit; nightly backups
- ✓UI in English, 中文 and ភាសាខ្មែរ; six themes; adjustable font size
FAQ
Does it print pawn tickets?
It produces a shareable schedule image; printed ticket layouts are a custom-report item on the Scale plan.
Multiple shops?
Yes on the Scale plan (multi-company).
Can we run it under our own brand?
Yes — the White Label OEM option. ES Vision sets the system up under your company name, logo, colours and domain, then hosts and maintains it. It is quoted per project, so contact our sales team for pricing.
See it on your own loan book
20-minute demo on WhatsApp or Google Meet, or start a free workspace now.