Commercial FinTech Suite

GOLD LOAN 365 Pawning & Gold Loan ERP

Secure, audit-ready gold pawning and pledge financing software engineered for pawnbrokers, credit branches, and financial institutions across Sri Lanka.

Home Our Products Gold Loan 365

Pawning Intelligence

Safeguard Pledges, Calculate Carats & Automate Vault Control

Gold Loan 365 streamlines the entire gold pawning lifecycle—from customer appraisal and net weight purity calculation to barcode packet tracking and auction notice workflows.

Equipped with live market gold price integration, multi-carat purity scales (18K to 24K), automated interest penalty recalculations, and complete Central Bank of Sri Lanka (CBSL) audit trail compatibility.

Request Consultation Contact Sales

Gold Loan 365 Enterprise

Barcoded security packets, automated auction scheduling, and instant customer redemption receipts.

CBSL Audit Compliant • v4.5

Key Capabilities

Built-In Pawning Modules

Complete end-to-end tooling designed for vault security, carat appraisal, interest tracking, and auction recovery.

1. Carat & Purity Valuation

Accurate gross and net weight calculation with stone weight deduction and real-time gold market rates for 18K, 21K, 22K, and 24K items.

Automatic market rate synchronization
Net gold weight purity calculation

2. Barcoded Security Pouches

Instant barcode label printing for pawn security pouches with locker location mapping, vault shelf numbers, and seal tamper tags.

Thermal barcode pouch label printing
Physical vault drawer & shelf tracking

3. Pawn Ticket & Cash Advance

Print legal pawn advance agreements with customer NIC details, thumbprint capture, interest disclosures, and settlement repayment schedules.

Legal pawn advance agreement prints
Customer identity & photo attachment

4. Interest & Overdue Engine

Configurable interest calculations supporting monthly, daily, and compound interest models, grace periods, and overdue penalty recalculations.

Partial interest payment settlements
Automated grace period extensions

5. Auction Notices & CBSL Reports

Standardized warning notice generation (1st, 2nd, and final notice), public Gazette auction scheduling, and Central Bank regulatory export reports.

Automated overdue SMS reminders
Central Bank of Sri Lanka audit compliance

6. Vault Audits & Multi-Branch

Digital barcode scanner physical vault audits, branch-to-branch pledge transfers, dual-custody authorization, and head-office risk dashboards.

Barcode scanner physical stocktaking
Dual-custody vault signoff protocols

Transparent Pricing

Pawning License & Pricing Tiers

Lifetime software ownership with live carat rate integration, pouch barcoding, and CBSL regulatory compliance.

Starter Plan

Single-counter pawnbrokers and jewelry stores offering basic gold cash advances.

One-Time License

Rs. 180,000

Rs. 10,000 / month support

1 Pawning counter terminal / 1 User
Carat valuation calculator (18K-24K)
Pawn ticket & cash receipt printing
Customer identification & KYC records
Standard daily pledge ledger report

Get Starter

Growth Plan

Active pawning centers with dedicated vaults and barcode packet tracking.

One-Time License

Rs. 240,000

Rs. 12,000 / month support

Up to 2 counter users
Barcode security pouch label printing
Daily market gold rate auto-fetch
Automated interest penalty calculations
Vault physical audit reconciliation

Get Growth

Business Plan

Licensed finance companies, credit branches, and high-volume pawnbrokers.

One-Time License

Rs. 300,000

Rs. 15,000 + SMS / month / branch

Up to 5 users / Branch
Central Bank of Sri Lanka (CBSL) audit reports
Automated SMS reminders for due dates
Default auction notice workflow
Priority telephone & remote support

Get Business Plan

Enterprise Plan

Multi-branch financial institutions, cooperative rural banks, and credit unions.

One-Time License

Rs. 500,000

Rs. 25,000 + SMS / month

Unlimited branches & regional vaults
Head office centralized risk dashboard
Bank core ledger export & API bridge
Dedicated encrypted cloud server
24/7 dedicated support SLA

Get Enterprise

Industry Fit

Ideal for Your Gold Loan Operations

Gold Loan 365 is tailored for institutions handling precious pledge collateral:

Licensed Pawnbrokers & Lending Houses Manage multi-tier customer advances, pawn tickets, and security pouches.

Jewelry Stores & Gold Merchants Seamless gold exchange, pledge collateral valuation, and customer redemptions.

Cooperative Rural Banks & Credit Unions Institutional CBSL compliance, dual vault custody, and audit balance sheets.

Gold Loan & Pawning Consultation

Get Started with Gold Loan 365

Experience Gold Loan 365 with your branch workflow configured to your exact lending criteria.

Pawning Precision & Vault Security

Frequently Asked Questions About Gold Loan 365

Vital insights on carat valuation, barcode pouch tracking, CBSL pawn compliance, and auction management.

How does Gold Loan 365 calculate gold carat purity and advance value?

The platform features an automated gold appraisal matrix. Appraisers select carat purity (18K, 20K, 22K, or 24K), enter gross and stone weight, and the system automatically calculates net gold weight, live market valuation, and maximum permitted loan advance based on your lending LTV ratios.

Does Gold Loan 365 support barcode label printing for pawned jewelry pouches?

Yes. As soon as a pledge agreement is finalized, the system prints waterproof tamper-evident barcode labels for jewelry pouches alongside legal pawn ticket agreements with customer signature boxes, item descriptions, and photos.

How does the system ensure Central Bank of Sri Lanka (CBSL) pawning compliance?

Gold Loan 365 is tailored around CBSL statutory standards: automated monthly interest caps, regulatory maximum tenure alerts, mandatory formal notice generation prior to auction, and complete ledger records required by central bank examiners.

What is the automated notice and auction workflow for defaulted pledges?

When a pledge exceeds its maturity period, Gold Loan 365 automates first warning letters, final registered postal notices, and auction catalogue generation. Following public auction, the system accurately records sale proceeds, deducts outstanding interest, and credits surplus funds to the borrower.

Can multi-branch pawning businesses enforce dual-key vault custody tracking?

Yes. The vault security module requires dual authentication (e.g., Branch Manager + Vault Custodian PINs) to log pledge packets into or out of high-security safes, providing an unalterable audit log preventing internal fraud.

Connected 365 Ecosystem

Explore Complementary 365 Enterprise Systems

Scale every aspect of your business operations with our purpose-built software platforms designed for Sri Lankan enterprises.

Automotive ERP

Auto 365

Comprehensive vehicle sales and dealership management software designed for showroom inventory, customer financing, and sales workflows.

Explore Auto 365

Fintech Suite

Finance 365

Robust micro-finance and loan management software providing automated interest calculations, penalty tracking, and multi-branch audit reports.

Explore Finance 365

Retail & Stores

POS 365 Retail

High-speed cloud-connected Point of Sale system built for fast barcode checkout, batch-level expiry management, and supplier accounts.

Explore POS 365 Retail

View Full 365 Software Catalog