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Operating system: Windows, Android, macOS
Group of programs: Business automation

Software USU

Pledges accounting in pawnshops

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The successful and profitable activity of pawnshops largely depends on how correctly the value of the property taken as collateral is estimated and on the timeliness of revaluation. The more actively the company's business is, the larger the database to record data on collateral becomes, and the more difficult it is to control. In this regard, pawnshops should use suitable software, in which many operations and calculations will be automated. In response to such a request, our developers have created the USU Software - a program that has no restrictions in the range of accepted pledged property, supports work with vehicles and real estate, allows you to assess the value of property considering market conditions and other factors, indicate its location, and upload related documents and photographs. With the use of the tools of our program, the accounting of pledges in pawnshops will become much more efficient since when the pledged property is bought out, the system automatically recalculates the amount of money at the updated exchange rate. Automatic updating of data on changes in exchange rates allows you to receive additional income from them, as well as to timely insure currency risks.

Automation of pawnshop operations, calculations, and pledges accounting eliminates errors during operations and make them much better. For each loan issued, you can choose any, including the most complex settlement mechanisms, as well as various currency regimes. To make the sale of unredeemed collaterals as efficient as possible, the program provides you with a visual calculation of the list of all pre-sale expenses, as well as the amount of profit that will be obtained upon the transaction. The mechanisms and technologies of our computer system contribute to the optimization of the entire complex of processes carried out in the pawnshop, it allows us to improve the internal organization, provides opportunities to ensure constant control over the personnel and their diligence, has powerful analytical functionality, and a visual database.

Who is the developer?

USU Software is designed to maximize the convenience and ease of operation of a pawnshop. The laconic structure of the system is made up of three sections that perform their tasks and are interconnected with each other. The ‘Modules’ section acts as the main workspace and contains several additional tabs to consider the most different aspects of the pawnshop's work. It provides registration of loan agreements, accounting of pledges, monitoring of financial movements, control and settlement of arising debts. Monitor all monetary transactions in real-time and assess the validity of certain payments and timely receipt of payments. Moreover, when the contract is extended, an additional agreement is automatically formed on changing the terms of the contract, which allows to systematize the office work process and pledges accounting.

The ‘References’ section is a single information resource of the computer system. Various data are structured in the catalogues: interest rates, types of collateral, customer categories, divisions, and legal entities. Each catalogue in the libraries contains information of a specific category, which can be updated as needed. The ‘Reports’ section is of particular interest to the pawnshop management, as it promotes thorough management accounting and analysis. Using its tools, check the compliance of actual and planned performance indicators, monitor the availability of sufficient cash balances, analyse the dynamics and changes in the composition of income, and expenses, as well as the structure of the collateral, monitor the rate of increase or decrease in monthly profits. USU Software technologies that improve all aspects of work will help you successfully solve any problems and significantly expand the scale of your business!

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When starting the program, you can select the language.

Who is the translator?

Due to the mechanism of internal communications, cashiers receive notifications in the system about the amount of money to be provided to the client and record the fact of the issue or pledge. The transparency of the database allows you to view a detailed list of data of each transaction: the amount of funds issued, the method of calculating interest, the currency of payments, and others. Managers can choose a multi-currency accounting mode, set an interest rate on a daily or monthly basis, attach collateral related investments and more.

You do not have to spend a lot of time on the approval of contracts, documents, and pledges, as your employees will form documentation and contracts on pre-established forms. Monitor whether the employees have fulfilled the tasks assigned to them: whether a call was made to the client, what response was received, and others.

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If you have special software requirements, order custom development. Then you won’t have to adapt to the program, but the program will be adjusted to your business processes!

Pledges accounting in pawnshops