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Free Pawn ROI Calculator

What could your pawn shop earn across all three Bravo products?

Estimate the combined annual value of point of sale, eCommerce, and MobilePawn for your shop. Enter a few numbers and get a tailored breakdown.

Free value calculator

What are all three Bravo products worth to your shop?

Enter a few numbers from your store. We will estimate the combined annual value of MobilePawn, Messenger, and eCommerce, measured directly from 445 three-product shops vs 307 non-users.

Your Shop
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mo
Model assumptions (editable)
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All lifts measured directly from the 445-vs-307 three-product cohort, so overlaps between products are already netted out. Online sales is a flat new stream (non-users sell $0 online). Revenue lines shown at gross margin. Carrying savings overlaps the in-store gain and is off by default.
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Enter your shop numbers
Fill in your loan balance, in-store sales, and inventory on the left, then calculate to see your combined annual value.
Total Annual Value, All Three Products
Combined annual value / year
$0
PSC + in-store + online gross profit
Incremental PSC income MobilePawn
37.4% higher loan balances across the cohort, more PSC every cycle over the loan term.
$0
In-store sales profit Messenger eCommerce
83.5% more in-store sales from SMS promotions + geo-targeted ad foot traffic, at margin.
$0
Online sales profit eCommerce
A new revenue stream, non-users sell nothing online, three-product users average $104,529/yr.
$0
Carrying-cost savings eCommerce
56.7% less inventory on the floor cuts carrying cost.
Overlaps in-store velocity, off by default to avoid double-count.
$0
Why the value is there: transaction volume
2.1×
more buys
1.9×
more layaways
1.7×
more loans written
1.7×
more in-store items sold
Three-product shops run 1.5–2.1× the transaction volume of non-users across every category, this activity is what produces the dollar value above, not a separate gain.

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Model logic. Measured directly from the all-three-products cohort (445 users vs 307 non-users), so cross-product overlaps are already netted out in the source data. PSC = balance × 37.4% × rate × term. In-store profit = in-store sales × 83.5% × margin (combines Messenger + eCommerce foot traffic). Online = $104,529 × margin, flat. Carrying = inventory × 22% × 56.7%, off by default. This combined figure is intentionally lower than summing the three standalone calculators, because this nets overlaps and those do not. Averages, 2025, margin 40% editable. Figures are illustrative.

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