End-to-End Gold Pawning & Loan Management ERP System
Gold Pawning ERP is a web-based management platform engineered specifically for gold-loan businesses in Sri Lanka. It controls the entire pawning lifecycle: gold item intake and 24K carat-based valuation, strict LTV loan caps, monthly interest ledger tracking, full redemption settlement, automated overdue detection, foreclosure, item disposal, and bank re-mortgage.
Real-Time Business & Loan Portfolio Dashboard
Get an instant high-level overview of your pawn portfolio. The dashboard monitors active loans, outstanding principal, accrued interest, overdue alerts, and bank interest expenses in real-time.
- ⚡ Executive KPI Cards: Track total active pawns, principal outstanding, accrued interest, and net interest spread
- ⚡ Live Overdue Alerts: Instant visual indicators flag pawns approaching maturity or foreclosure thresholds
- ⚡ Interactive Portfolio Analytics: 6-month portfolio trends, P&L charts, and item category distribution
Deterministic Gold Valuation & LTV Controls
Ensure accurate, risk-managed loan approvals. The system automatically converts daily 24K gold market rates to specific carat purities and enforces loan-to-value (LTV) limits.
- ⚡ Dynamic 24K Rate Matrix: Set gold rates per gram with effective dates, auto-calculating rates for 22K, 20K, 18K, etc.
- ⚡ Maximum Loan Safeguard: Calculates
Net Weight × Gold Rate × LTV%to cap agreed loans safely - ⚡ Net Weight Calculation: Subtracts stone weight from gross weight automatically to prevent over-valuation
Intuitive 5-Step Pawn Creation Wizard
A guided step-by-step workflow for loan officers: from selecting active customers and recording gold item specs/photos, to reviewing loan terms and generating pawn tickets.
- ⚡ Customer & Item Verification: Fast NIC lookups, customer selection, weight/flaws input, and photo uploads
- ⚡ Flexible Loan Terms: Configure simple or compound interest, monthly/daily basis, and disbursement options
- ⚡ Instant Document Generation: Auto-assigns unique pawn & invoice numbers with immediate ticket printing
Monthly Interest Ledger & Payment Allocation
Track monthly interest accruals transparently. The system maintains billing cycles, records partial or interest-only payments, and allocates cash to clear interest before principal.
- ⚡ Automated Interest Accrual: Monthly interest billing prevents double-charging with strict period locking
- ⚡ Smart Payment Allocation: Payments automatically settle accrued interest first before reducing principal balance
- ⚡ Receipt Snapshots & Reversals: Immutable receipt history with manager audit controls for payment reversals
Automated Overdue & Multi-Stage Foreclosure
Maintain full legal and compliance control over overdue loans. Manage grace periods, issue customer notices, approve foreclosures, and log item disposal details.
- ⚡ Automated Overdue Flags: System runs daily checks to mark defaulted accounts based on grace thresholds
- ⚡ Multi-Stage Approval Workflow: Raise Foreclosure → Customer Notice → Manager Approval → Execution
- ⚡ Disposal P&L Analysis: Record sale proceeds, auction costs, and final profit/loss settlement accurately
Bank Re-Mortgage & Facility Reconciliation
Pledge pawned gold items to commercial banks to unlock business liquidity. Monitor bank loan facilities, bank interest rates, spread calculations, and reconciliation statuses.
- ⚡ Bank Facility Tracking: Record pledge dates, bank item codes, loan terms, and interest obligations
- ⚡ Net Interest Spread: Monitor the difference between customer interest income and bank interest expense
- ⚡ Bank Settlement Reconciliation: Manage pending bank settlements and maintain clean audit records
Complete Gold Pawning ERP Suite
Built with high-level compliance, security, and audit capabilities required for modern gold-loan operations in Sri Lanka.
Customer Profile & KYC Vault
NIC lookup verification, contact data, document uploads (NIC photos, proof of address up to 4MB), and full pawn history.
Redemption & Re-Pawn Engine
Full settlement redemption with article release receipts. Re-pawn existing gold items easily with historical loan tracking.
Customer Letters & PDF Printing
Generate formal PDF letters for new loans, interest due reminders, overdue arrears warnings, and foreclosure notices.
9 Financial & Operational Reports
Active Portfolio, Interest Accrual, Customer Outstanding, Bank Reconciliation, Overdue/Foreclosure, P&L, and Audit Log.
Role-Based Access Control
Pre-configured roles (Admin, Manager, Cashier, Pawn Officer, Bank Officer, Accountant) with granular page permissions.
Immutable Audit Logging
Complete timestamped logging of every sign-in, loan submission, payment allocation, rate edit, and manager reversal.
Elevate Your Pawning Operations Today
Transform customer onboarding, gold valuation, interest ledgers, and bank re-mortgages with Gold Pawning ERP System Sri Lanka.
Frequently Asked Questions
What is the Gold Pawning ERP System?
The Gold Pawning ERP System is software from Applantics (Pvt) Ltd (possystem.lk) for gold pawning companies and pawn shops in Sri Lanka. It covers automated gold valuation, LTV control, an interest ledger, an overdue foreclosure workflow, bank re-mortgage and financial reports.
Who is the Gold Pawning ERP System designed for?
It is designed for gold pawning companies and pawn shops that want one system to manage sales, stock and day-to-day operations instead of spreadsheets and manual records.
How much does the Gold Pawning ERP System cost in Sri Lanka?
Pricing depends on the number of branches, users and modules you need, so we quote per business. Message us on WhatsApp (+94 77 271 8001) or email admin@possystem.lk for a free quotation.
Is local support and onboarding available for the Gold Pawning ERP System?
Yes. Applantics has a local support team in Sri Lanka that helps with setup, training and ongoing support, and the system supports multi-branch operations.