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The 9pm Payment

What happened at your shop last night?

If you run Bravo but have not turned on MobilePawn, payments, reminders, and loan renewals that could happen after close simply do not. Enter three numbers from your shop and get your personalized "While You Were Sleeping" report: the after-hours payments you could be capturing, the reminder calls your staff would never make again, and the loan growth shops your size are seeing with the app.

Runs on verified 2025 MobilePawn data
Free after-hours calculator

Your While You Were Sleeping report

Tell us how many active loans you carry, what a typical monthly service charge looks like, and how much time your team spends on reminder calls. We will build your overnight report from there.

Your Shop
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hrs
Model assumptions (editable)
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%
pts
App adoption is the share of your loan customers who end up using the app; 13% is a typical starting point and it climbs as automatic invites go out. "After hours" is the modeled share of app payments made while your doors are closed, an editable assumption, not a measured statistic. The uplift defaults to 3 percentage points, the conservative end of the 3 to 7 point range MobilePawn shops showed across every account-size tier in 2025.
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Enter your shop numbers
Fill in your active loans and average service charge on the left, then run the report to see what a night at your shop could look like with MobilePawn on.
While You Were Sleeping
After-hours payments captured / year
$0
service charge payments made while your doors were closed
9:14pmA customer opens your app on the couch and pays a service charge. That loan just stayed out of default and nobody at the store did a thing.
11:52pmAn automatic reminder goes out, free, 3 days before a due date. That is one call off tomorrow's list.
7:58amYou open up, log in to Bravo, and the printer starts printing overnight payment receipts. That is the sound MobilePawn shops describe.
After-hours payments / month
Estimated payments made through the app while the store is closed. MobilePawn users processed 120% more transactions than non-users in 2025.
0
Reminder calls you would never make / month
Free automatic reminders fire 5, 3, and 1 days before a loan is due plus the due date. In 2025 Bravo sent more than 10 million free texts, an estimated 397,715 calls shops never had to make.
0
Staff hours handed back / year
Time your team currently spends dialing due-date reminders that the app would send automatically, for free.
0
Loan-growth uplift for shops your size
In 2025, MobilePawn shops grew loan balances 3 to 7 percentage points faster than non-users in every account-size tier, while inventory grew less in every tier. This models the extra annual service charge revenue at your uplift assumption.
$0
All 2025 figures are measured across Bravo shops with and without MobilePawn. Your report is an estimate built from your inputs and the editable assumptions, for planning only.
Talk to your Bravo rep about turning on MobilePawn

Your overnight report is ready

Tell us where to send it. We will email you the full "While You Were Sleeping" breakdown so you can share it with your team.

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Model logic. App-user loans = active loans times the app adoption share. After-hours payments per month = app-user loans times the after-hours share, and each is valued at your average monthly service charge. Reminder calls avoided = four automatic loan reminders per app-user loan per cycle. Staff hours handed back = your weekly reminder-call hours times 52. Loan-growth value = active loans times the modeled uplift in percentage points, valued at your average monthly service charge for a year. All figures are estimates for planning only, not a guarantee, and depend on your loan mix, adoption, and local rate rules. The 120% transactions, 10 million reminders, 89% more loans, and 3 to 7 point growth figures are measured 2025 comparisons of Bravo shops with MobilePawn versus without.

Questions and answers

Frequently asked questions

Can pawn customers really make loan payments after hours?

Yes. With MobilePawn, customers make loan and layaway payments from their phone at any hour, and the payment flows straight into Bravo. A payment made at 9pm on a Sunday is a payment that did not slip toward default. MobilePawn users processed 120% more transactions than non-users in 2025.

How do the free automatic reminders work?

Reminders are preconfigured and free, via SMS and push notification: 5, 3, and 1 days before a loan is due plus the due date, and 5 and 1 days before a layaway payment. Nobody at the store lifts a finger. In 2025 Bravo sent more than 10 million free text notifications, an estimated 397,715 phone calls shops never had to make.

Do shops with the app actually write more loans?

In 2025, MobilePawn shops wrote 1,961 more loans than non-users, an 89% increase. Among 12-month-tenure customers split into three account-size tiers, app shops showed higher median loan growth in every tier, roughly 3 to 7 percentage points higher, while inventory balances grew less in every tier as goods converted to loans and cash instead of sitting on the shelf.

I already run Bravo. How do I turn MobilePawn on?

Talk to your Bravo rep or call (725) 525-3535. Once it is on, adoption runs itself: customers self-activate with a loan or layaway number, and Bravo automatically texts an invite whenever a pawn or layaway is created. No prior login is needed. Learn more on the MobilePawn page.