Every pledge, at scale.
The pawnbroking operating system: loans, state rules, police reporting, live metals, retail and online in one system, under your shop's name. A small first group of founding shops is starting in Florida.
The life of a pledge
Pledge in. Captured at the counter.
Customer and item, captured at the counter or on the iPad intake kiosk while they wait.
Karat and weight in. A value off live spot out.
Gold and silver valued off live spot. The same math at every counter, and on the kiosk too.
Terms load from your state's rule pack.
Service-charge caps, fees and ticket language come from the pack, not from a setting someone forgot to change.
Every pledge on a clock you can see.
Maturity tracking, hold periods from the rule pack, and the daily transaction file built for LeadsOnline reporting.
Renew from a phone. Redeem at the counter.
Customers check, pay and renew from their phone. Partials, extensions and redemptions at the counter. Forfeit to the shelf and list it on Shopify and eBay.
Why Pledexa
Old trade. New software.
Pawnbroking is one of the oldest forms of credit there is. Every ring, every watch, every tool held behind the counter is somebody's promise to come back for it. The software many shops keep those promises in is scattered and built for another decade. We rebuilt it from the counter up: fast for the clerk, strict about the law, calm for the owner at close.
The whole counter. Nothing bolted on.
Speed at the counter
Seconds at the counter. Years of records.
Live spot on screen, terms from the rule pack, every loan action in one place.
Law as code
Cap25% / 30 days
Grace30 days
Purchase hold60-day floor
Law, as code.
Caps, fees, hold periods and ticket language, loaded from a state rule pack.
One close
Drawer$2,418.00
Books$2,418.00
Difference$0.00
The drawer and the books agree.
Point of sale, loans and online channels in one system, closing as one.
White-label
Your name on the door.
Your shop's brand leads on the screens your customers see. Pledexa signs quietly.
Everything the counter does. In one place.
01Loan ServicingPawn, renew, extend, partial, redeem, forfeit.02Rule PacksYour state's rules, written in as code.03Police ReportingThe daily file, built for LeadsOnline reporting.04Firearms A&DLogged at every intake door.05Live MetalsGold and silver off live spot.06Intake KioskCustomer info, estimate, offer, on an iPad.07AI ListingsPhotograph it. Get a listing draft.08Online ChannelsShopify and eBay: sold in one place, ended everywhere.09Point of SaleSales, trades, layaway. A drawer that agrees.10Customer PortalCheck, pay and renew from a phone.11Roles & PermissionsWho can do what, at every counter.12White-LabelYour brand leads. Powered by Pledexa.
Compliance
Law, as code.
Service-charge caps, fees, hold periods and ticket language load as a state rule pack, not as a setting someone forgot to change. Police reporting and firearms records are written as the counter works.
Pledexa is built to help you stay compliant. Your shop remains responsible for compliance with the laws that apply to it.
# Florida Statutes Chapter 539 pack FL · Ch. 539 cap 25% per 30-day period grace 30 days after maturity purchase hold 60-day floor; local ordinance can raise it # applied to every ticket at the counter status loaded
Illustrative / sample packShown to explain how a rule pack works. Not legal advice.
4,264
Automated tests guard the money math (as of Oct 22, 2026).
One system
Loans, law, metals, retail and online.
Cloudflare
Runs on Cloudflare's global network.
Tenant-isolated
Each shop's data is kept separate.
Become a founding shop.
A small first group, starting in Florida. Hands-on setup and data migration, a side-by-side run before cutover, founding pricing, and a direct line to the people building it.
Or write to hello@pledexa.com
From first call to cutover.
Talk
Tell us about your counter, your state and your current system.
Walkthrough
See Pledexa run the life of a pledge.
Setup and migration
Hands-on setup and data migration.
Side-by-side
Run both until the numbers agree.
Cutover
Switch when you are ready.
Apply
Tell us about your shop.
A person reads every application. We reply by email.
- 01Setup and migration
Hands-on setup and data migration, starting from what your current system can export.
- 02Side-by-side
Keep working the way you do today until the numbers agree. Then switch.
- 03Founding pricing
Founding pricing. Talk to us.
- 04A direct line
Talk to the people building it, not a ticket queue.
Questions
What is a founding shop?
One of a small first group of pawnshops, starting in Florida, that runs Pledexa with hands-on setup and data migration, a side-by-side run before cutover, founding pricing and a direct line to the people building it.
What does it cost?
Founding pricing. Talk to us.
How hard is it to switch?
We start from what your current system can export, set Pledexa up alongside it and run both until the numbers agree. You switch when you are ready.
Which states?
Rule packs are built per state. Florida (Chapter 539) is the sample pack shown on this site. Tell us where your shop operates and we will tell you honestly where its pack stands.