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of Gemology.
As we wrap up another year, I want to express my sincere gratitude for your continued support of the NPA. It’s been a busy year, marked by significant achievements and challenges overcome. We’ve strengthened our advocacy efforts, launched new initiatives, and provided invaluable resources to support your business and help you succeed.
Looking ahead to the new year, the NPA remains committed to providing you with the tools, resources, and support you need to thrive. We will continue to advocate for fair and reasonable regulations, promote best practices, and foster a strong sense of community among our members.
Now is a great time to engage with your local legislators as they return home for the holidays. Invite them to visit your store, meet your customers, and witness firsthand the positive impact pawnbrokers have on their communities. By sharing your experiences and highlighting the industry’s contributions to the local economy, you can help shape future policies and regulations.
Finally, I hope to see you in Washington, D.C. from April 29th to May 1st for our 2025 Legislative Conference. Join us as we connect with fellow pawnbrokers from across the nation and advocate for our industry’s future. Together, we can make a powerful impact.
Thank you once again for your unwavering support. Let’s make 2025 a year of even greater success for the pawn industry.
Johnny Whiteside NPA President
2025 NPA ConferenceLegislative
Johnny Whiteside
As we wind down 2024 and transition to a new year ahead, it’s important to reflect not only on what we’ve accomplished as an organization, but also on the people who made those accomplishments possible. I would like to take a moment to express sincere gratitude to our NPA board members, committee chairs and committee members for their continued leadership and support. Their thoughtful guidance, strategic insights, and tireless efforts have significantly contributed to the success and growth of the pawn industry.
A Celebration: Recognizing the NPA Team
Jody Kudless, NPA’s Business Development Director, is charged with driving revenue for the organization through print/digital advertising, booth and sponsorship sales and oversight of our Industry Partner memberships. Jody’s passion for creating value for her customers, her ability to think outside the box and her desire to exceed expectations makes her the most talented sales professional I have ever worked alongside.
Amy Kehoe, NPA’s Membership Service Manager, commitment and passion for serving our members shines through in every interaction, and her dedication has made a remarkable difference in strengthening our pawn community. Amy’s positive attitude, no matter the challenge, has proved invaluable. Amy approaches each day with an enthusiasm that inspires those around her and ensures our members feel valued and supported.
I also want to recognize and celebrate each of our NPA team members for their individual contributions and exceptional hard work. They remain dedicated to meeting expectations and fulfilling the goals and mission of our NPA leadership. A great deal of talent, passion and professionalism behind the scenes at the NPA makes this organization the success it is, and I am so grateful.
our communications, and connected us more meaningfully with our audience. From crafting compelling messages to leading strategic initiatives, Laura’s talent shines through in every project.
Mark Campanale, NPA’s Creative Director, has a creative vision for the NPA that has not only strengthened our brand, but has also brought our mission to life in ways that are both inspiring and impactful. Every campaign, design, and creative piece Mark leads reflects his dedication and passion, and it is clear how much thought and effort he puts into making each project a success.
Laura Wasileski, NPA’s Marketing and Media Director, is an enormous asset to the NPA team. Laura’s expertise, creativity, and exceptional writing skills have elevated our brand, strengthened
Christy Norcross, NPA’s Event Director (PT), commitment to excellence, attention to even the smallest details, and calm under pressure ensure that every NPA event is a success from start to finish. It’s no small feat to pull off such seamless experiences, and Christy does this time and again with grace and professionalism. I am grateful to have someone with Christy’s talent and expertise on our NPA team.
KRISTEN WILLIAMS
Executive Director Kristen@nationalpawnbrokers.org
BUSINESS DEVELOPMENT
JODY KUDLESS Director of Business Development Jody@nationalpawnbrokers.org
DAVID LAFLEUR
Digital Communications Manager David@nationalpawnbrokers.org
JESSICA DEVINE
Business Development Associate (PT) Jessica@nationalpawnbrokers.org
EVENTS
CHRISTY NORCROS S
Events Director (PT) Christy@nationalpawnbrokers.org
VERONICA COSTANZA
Events Support Associate (PT) Veronica@nationalpawnbrokers.org
MARKETING
LAURA WASILESKI
Marketing and Media Director Laura@nationalpawnbrokers.org
MARK CAMPANALE Creative Director Mark@nationalpawnbrokers.org
MEMBERSHIP
AMY KEHOE
Membership Services Manager Amy@nationalpawnbrokers.org
PEG KOCHY
Administrative Assistant (PT) Peg@nationalpawnbrokers.org
National Pawnbroker is the o icial publication of the National Pawnbrokers Association (NPA) and is published quarterly. No part of this publication may be reproduced without the written consent of Kristen Williams, NPA Executive Director. Sale or distribution of any or all of the contents of this magazine is prohibited. All rights reserved. For more information on advertising or to obtain additional copies of National Pawnbroker, call 817-337-8830 or send an email to info@nationalpawnbrokers.org.
EDITOR’S NOTE:This publication is designed to provide accurate and authoritative information on the subject matter covered. It is provided and disseminated with the understanding that the publisher is not engaged in rendering legal or other professional services. If legal advice is required, the services of a competent professional should be sought. Expressed opinions are those of the author and do not necessarily reflect the views of ownership.
Veronica Costanza, NPA’s Event Support Associate (PT), provides outstanding administrative, logistical and event support to NPA members and event attendees. Veronica’s attention to detail and exceptional ability to multitask are impressive and have a huge impact on ensuring NPA events run smoothly. It’s clear Veronica cares deeply about creating positive experiences for our members, and I am grateful for the hard work and enthusiasm she brings to every task.
David LaFleur, NPA’s Digital Communications Manager, strategic approach and tireless energy have been crucial in building strong client relationships and expanding our reach. David’s commitment to our growth as a team player has been instrumental in helping us meet—and often exceed— sales goals. Thanks to David for his drive, focus, and for always going above and beyond to support the team.
attention to detail is invaluable in keeping operations running smoothly and ensuring nothing slips through the cracks. Thanks to Jessi’s efforts, our team can rely on accurate records, clear contracts, and seamless support for our sales goals. Jessi’s skill in balancing these responsibilities and commitment to getting things right contribute greatly to our success.
Peg Kochy, NPA’s Administrative Assistant (PT), delivers a great first impression for our organization while answering our phones with warmth and attentiveness. Peg makes sure every caller feels heard and gets the answers they need. Peg is also instrumental in helping to schedule appointments for the annual NPA Legislative Conference. Peg’s hard work, reliability, and the care she brings to every interaction does not go overlooked.
Jessi Devine, NPA’s Business Development Associate (PT), is our newest member to the team and we welcome her with open arms. Jessi’s
both the success of our organization and the trust of those we serve. Jen’s oversight of our financial processes, along with assistance of audits and compliance measures, has been invaluable. I appreciate Jen’s hard work, commitment, and the assurance Jen provides that we are operating at the highest standards.
Jen Cawley, NPA’s Bookkeeper, provides exceptional financial oversight and plays a critical role in helping us maintain the integrity of our operations at the NPA. Jen’s careful attention to detail ensures we stay organized and compliant, which is essential for
I want to thank all our NPA staff for late nights, extra effort, and dedication that often goes unseen but is always recognized. I am proud to work alongside such a talented, hardworking group of professionals.
Thank you for making this year a success. Wishing you all a restful and joyful holiday season, and I look forward to what we will accomplish together in the new year.
With deep appreciation,
Kristen Williams NPA Executive Director
Kristen Williams
The NPA empowers, connects, and protects pawnbrokers nationwide through indispensable advocacy, legislative support, and a unified voice for pawn - all backed by your membership.
EXECUTIVE OFFICERS
Johnny Whiteside President Kendale Pawn Shop Sanford, NC
Boyd Naylor
Immediate Past President Bali Credit Corp
San Antonio, Texas
Bill Dawson Vice President LDPM, Inc.
Morrisville, NC
Lisa Little
Secretary
Fieldstone Jewelry & Pawn Conyers, GA
Michael Goldstein
Treasurer Empire Loan Boston, MA
Kristen Williams
Executive Director
National Pawnbrokers Association Victor, NY
BOARD OF DIRECTORS
Beth Anundi, Capital Pawn, Salem, OR
Tim Collier, Pacer, LTD., Little Rock, AR
Robert Barnett, Elk River Trading Co., Fayetteville, TN
Randi Butterfield, Big Dog Pawn, West Jordan, UT
Jay Dunbar, Superior Pawn Company, Hampton, VA
David Ehrlich, City Pawn Shop, Montgomery, AL
Perry Lewin, Decatur Jewelry & Pawn, Decatur, IL
Christopher McCarthy, Lowell Jewelry & Loan, Lowell, MA
Scott Paulsen, Peninsula Pawn, Seaford, DE
Jeremy Powell, BJ Pawn & Gun, Denham Springs, LA
Kerry Rainey. Bayou Pawn, Hammond, LA
Scott Tiemann, Central Mega Pawn, Ontario, CA
Anthony Vanegas, Sunbelt Pawn, Houston, TX
Jeff Wilhelm, National Jewelry & Pawn, Raleigh, NC
Industry Events: WINTER 2024
Don’t miss these upcoming events from the NPA and other pawn industry leaders!
Want to list your event? digital@nationalpawnbrokers.org
Texas Association of Pawnbrokers TAP Convention & Expo
As the new year kicks off, the official arrival of President Trump in the White House reflects a major shift in our nation’s political landscape.
In his first 100 days
we expect the President to move swiftly on his promised bold policy reforms. Anticipate immediate attention to tax, immigration, energy, and foreign policy. Some changes will be quickly implemented via immediate executive order. Others will require action by Congress and federal agencies. We will look for opportunities to leverage the anticipated favorable political and regulatory climate to shift into offence on issues like bank discontinuance and data/privacy protection. We always anticipate the usual efforts by rate cap legislation proponents; however, we don’t expect them to gain traction in the new environment but stay vigilant to potential threats to our business. In DC we continue bipartisan education of lawmakers, keeping friends and cultivating new ones.
Republicans control the Senate with a relatively small, 53-seat majority. Certain policy priorities and judicial nominees should move easily, however, to enact major legislation, Republican leadership will need help from the other side of the aisle. The banking committee is most important to us. We expect Tim Scott (R-SC), whom we have been able to work with in the past, to become chair. We expect the committee to address Bank Derisking, BSA/AML Reform, Bank Partnerships with FinTech’s, CFPB reform, and Data Security/Privacy Protection.
The same in the House where Republicans are also in control of an even slimmer majority. Republicans must align, or they will need Democratic support to move legislation. The Financial Services Committee impacts us the most in the House. Expect Rep. Andy Barr (R-KY) or Rep. French Hill (R-AR) to take the gavel. Fortunately, we have enjoyed a good relationship with both lawmakers. Our DC lobbyist Cliff Andrews will be making the rounds preaching “Pawn 101” to Lawmakers and staffers in the Senate and House.
Regarding the agencies, the President has nominated many non-conventional heads, some of whom Congress will be seeking to fast-track approval. A significant development for pawnbrokers
will be a new CFPB head. We are cautiously optimistic new leadership might curtail excessive rulemaking proposals but be very aware, bad actors and referrals from state AGs will provoke CFPB enforcement actions. We urge NPA members to practice diligent compliance, especially with the MLA.
You are invited and encouraged to attend the NPA’s Legislative Conference in Washington, DC April 29 - May 1, 2025. This is an opportunity to meet your representatives where they work and better understand the legislative process. A strong turnout is always important but especially so at the start of a new Congress. We need to ensure that incoming members and their staff understand the pawn business and its vital role in serving our customers, their constituents. This is a great opportunity to build and reinforce crucial relationships with those representatives.
What to Expect for NPA Members
The transition to GrowthZone will bring a number of exciting changes for NPA members:
A New Member Portal: Members will have access to a user-friendly portal where they can:
Enhanced Event Management:
The new system will streamline event registration, ticketing, and logistics.
This strategic move
will revolutionize the way the NPA interacts with its members, offering a more streamlined, efficient, and personalized experience.
Why GrowthZone?
GrowthZone was selected after a rigorous evaluation process. Its robust features and user-friendly interface align perfectly with the NPA’s mission to provide exceptional value to its members. Key benefits of this transition include:
Enhanced Member Experience: A more intuitive and engaging platform for members to access resources, connect with peers, and stay informed about industry news and events.
Streamlined Operations: Improved efficiency in managing member data, processing renewals, and handling inquiries.
Data-Driven Insights: Advanced analytics tools to better understand member needs and preferences, enabling the NPA to tailor its services accordingly.
• Update their profile information
• Renew memberships
• Access exclusive member resources
• Connect with other members through online forums and discussion groups
• Register for events and webinars
• View invoices and payment history
Improved Communication: Members will receive timely and relevant communications, including newsletters, event invitations, and industry updates.
Personalized Member Experience:
Streamlined Membership Processes:
The renewal process will be more efficient, and members will have easier access to support.
The
Transition Process
The NPA is committed to ensuring a smooth transition to the new system. The organization will provide members with clear instructions and support throughout the process. Key steps in the transition include:
Data Migration: Transferring existing member data to the new system.
System Testing and Configuration:
Enhanced Security: Robust security measures to protect sensitive member data and ensure privacy.
The NPA will be able to tailor its offerings to individual member needs and preferences.
Rigorous testing to ensure the system functions as expected.
Member Training and Support:
Providing resources and training to help members navigate the new platform.
System Launch: The official launch of the new GrowthZone platform.
The Future of the NPA
The transition to GrowthZone is just one step in the NPA’s ongoing commitment to serving its members. By leveraging this powerful new technology, the NPA will be able to deliver even greater value and support to the pawnbroking industry.
The NPA team is excited about the future and looks forward to working with members to make the most of this exciting new era.
Things You Need To Know
Now that the election is over, it remains to be seen how the IRS will approach regulations and enforcement of the precious metals industry. What I can tell you is; this year, I have assisted with more IRS exams in six months than in the previous four years combined. Given my experience, I want to share some warnings that may help you moving forward.
First, you must understand the different types of exams the IRS has in its toolbox.
• Title 26 exams are the standard “tax audit” that causes heartburn
• Title 31 exams are Patriot Act or AML reviews-much easier (historically)
• 8300 exams have been around but until May were not used with any frequency in the precious metals arena -very invasive
The IRS is training its people differently now. Without exception, each agent was new to the precious metals industry, which made exams more difficult. In addition, they had not performed 8300 exams, so I was spending time educating the agents. You always want a seasoned agent and not a rookie. In my opinion, the IRS has taken a sharp turn back to the 70s with its approach to every customer that was reviewed.
Since we mainly saw 8300 exams, here are some key things to know about this form:
1. With few exceptions, 8300 forms MUST be filed electronically through the BSA website now.
2. Penalties, which in the past were only levied if one was egregiously thumbing their nose at the IRS or was a habitual late filer, are now being levied for ticky-tack offenses.
3. Box 29 (Total Cash Received) refers to the total amount of cash received over the last year related to the transaction, not just the immediate payment.
IMPORTANT NOTE: The IRS agents do not fully understand how related transactions impact Form 8300 filings. In California, two agents from the same office ruled differently on Box 29 and both threatened fines if the stores did not acquiesce to their way of thinking. I’ve secured official guidance directly from FinCEN to ensure accurate reporting.
Example: A customer pays $12,000 for a mass redemption. The total owed is $11,980 so $20 is returned as change. In this case (per FinCEN), $12,000 should be reported in Box 29, and $11,980 in Box 31.
4. If your form is filed late, you MUST write the word LATE in the comment section.
5. Missing SSN: If your form does not include an SSN in Part 1 or Part 2, you MUST indicate in the comments section why the information is missing.
• Missing SSNs can occur due to various reasons, such as the customer being a foreign national or simply refusing to provide their SSN.
• Continuing to file forms for a customer who refuses to provide their SSN could lead the IRS to look at you as an accomplice to the person, so it’s important to have open discussions with these customers.
6. Agents are pressing to see proof of mailing for both 8300 forms and customer notification letters. While the proof of mailing does not matter now that forms are electronically filed, it does come into play in a review when they go back a full year (2023 in this case) before digital filing was a requirement. And NO, proof of mailing is not a requirement, and it is not noted in the instructions, but agents are in full revenue extraction mode. Letters have never required proof of mailing but are required to be copied and retained for 5 years with a copy of the 8300 form.
• Agents have been trained to tell you that you MUST provide the SSN, but this is incorrect. You should refer to the form instructions, which state that if you haven’t received an SSN after 15 days, you should file the form and explain the reason in the comments section.
The bottom line is that you need to be fully informed about the 8300 form and the reasons you may need to use one. It is not hard to know more than the agent performing the exam, but know this: In all exams this year (except two that are underway as of this writing) all stores ended up paying fines which ranged from $1,800 -$16,000.
As always, if you need answers, contact a compliance consultant! If you have not been worried about 8300 forms before, it is a little late in the game to get caught up, but never too late to know what the law says and how it can impact you. 8300 forms are the gateway to a Title 26 audit due to the amount of digging the agents do through your records. You can impact the chances of that happening if you are informed and have processes in place.
While the day-to-day looks different for each person running a pawn store, ask any veteran pawnbroker what they wish they had known as a young professional and you will find that the lessons learned are often universally applicable.
• Stay Curious: Keep up with the latest industry trends and tech.
• Join A Peer Group: Learn from experienced pawnbrokers during the monthly Zoom calls and get support from fellow peers.
• Invest in Yourself: Take courses, attend webinars and in-person training sessions, and join the NPA’s monthly Lead & Learns.
• Customer First: Treat your customers like gold.
• Network, Network, Network: Build relationships with other pawnbrokers and industry professionals.
• Give Back: Get involved in your community, participate in local events and charities.
• Know Your Stuff: Learn everything about diamonds, jewelry,
• and other valuables.
• Hone Your Skills: Practice your appraisal and negotiation skills.
• Leverage Technology: Leverage tech to streamline operations.
• Digital Marketing: Utilize social media and online platforms to reach a wider audience.
• Be Honest: Always be upfront with your customers.
• Fair Deals: Offer fair prices to both buyers and sellers.
• Know the Laws: Stay compliant with all regulations.
Sign up to receive communications directly from the NPA Young Professionals Committee about activities specific to those under 40. Anyone who is working in the pawn industry and affiliated with an NPA member store or company can join.
BRINGIT!
At Mid-States, we have both the capacity and capability to handle shipments of any size with precision and care. We deliver the highest accuracy and returns through fire assay analysis by highly trained chemists - along with our trademark full transparency and unparalleled service. Every day for every melt.
“Whether we’re sending 100 pounds or 100 ounces of Silver scrap, Mid-States has the capacity and customized terms to provide us the best return possible.”
Fred Tardiff, Loan Star Pawn, North Port, FL
The Staying Ahead of Legal and Workforce Trends
In the dynamic landscape of modern business, the role of Human Resources (HR) extends far beyond traditional personnel management. Today, HR professionals are pivotal in navigating complex legal frameworks and ever-evolving workforce trends. Staying abreast of these trends is not just beneficial but crucial for the effective functioning of HR departments and, by extension, the success of the entire organization.
Legal and workforce trends are constantly evolving due to shifts in legislation, societal norms, technological advancements, and economic factors. For HR professionals, these changes present both challenges and opportunities:
1. Legal Compliance: Regulations governing employment practices, workplace safety, diversity, equity, and inclusion (DEI), data privacy, and more are subject to frequent updates. Remaining current ensures compliance, mitigates legal risks, and protects the organization from potential lawsuits and penalties.
2. Workforce Dynamics: Demographic shifts, such as an aging workforce and generational diversity (including Millennials and Gen Z entering the workforce), influence recruitment, retention strategies, and employee engagement initiatives. Understanding these dynamics helps HR develop tailored strategies to attract, develop, and retain talent.
3. Technological Advancements: The integration of AI, automation, and data analytics in HR functions (like recruitment, performance management, and employee engagement) requires HR professionals to adapt and leverage technology effectively while ensuring ethical and legal use of data.
Staying current on legal and workforce trends directly impacts various HR functions, enhancing their effectiveness and strategic contribution:
1. Recruitment and Talent Acquisition: Knowledge of workforce trends allows HR to anticipate skill gaps, attract diverse talent pools, and implement inclusive hiring practices. Legal awareness
ensures fair and compliant recruitment processes, reducing bias and enhancing employer brand reputation.
2. Employee Development and Training: Understanding emerging skills and career paths enables HR to design training programs that align with organizational goals and employee aspirations. Compliance with training regulations ensures employees are equipped to perform their roles safely and effectively.
3. Performance Management: Trends such as the shift towards continuous feedback and agile performance management systems require HR to implement flexible processes that promote employee growth and adaptability. Legal knowledge ensures fairness in performance evaluations and compliance with employment laws.
4. Employee Relations and Conflict Resolution: Awareness of legal updates helps HR navigate sensitive issues such as workplace harassment, discrimination, and employee grievances effectively and impartially. Proactive management fosters a positive work environment and minimizes legal liabilities.
5. Compensation and Benefits: Understanding compensation trends and legislative changes (e.g., minimum wage laws, healthcare regulations) allows HR to design competitive compensation packages and benefits that attract and retain top talent while complying with legal requirements.
Strategic
Contributions to Organizational Success
The role of HR extends beyond administrative tasks to strategic leadership in driving organizational success. By staying current on legal and workforce trends, HR professionals can:
Anticipate and Plan: Proactively anticipate changes in the labor market, regulatory environment, and societal
trends to develop agile HR strategies that align with organizational goals. Mitigate Risks: Identify potential legal risks and compliance gaps early, allowing for timely adjustments and proactive measures to protect the organization’s reputation and financial stability.
Enhance Employee Engagement: Tailor HR initiatives to meet the evolving needs and expectations of a diverse workforce, fostering a culture of inclusivity, fairness, and transparency.
Support Innovation: Embrace technological advancements and datadriven insights to optimize HR processes, enhance decision-making, and drive innovation within the organization.
In conclusion, the importance of HR remaining current on legal and workforce trends cannot be overstated. It is a strategic imperative that enhances the efficiency, effectiveness, and relevance of HR functions within the organization. By proactively adapting to changes in legislation, societal norms, and technological advancements, HR
professionals can navigate complexities, mitigate risks, and capitalize on opportunities to drive organizational success. Ultimately, a well-informed HR department serves as a cornerstone for fostering a compliant, inclusive, and thriving workplace culture that supports the long-term goals and objectives of the organization.
The role of HR extends beyond administrative tasks to strategic leadership in driving organizational success.
About the Author – Jamie Hasty is the Vice President of SESCO Management Consultants. SESCO partners with the NPA and offers free consulting services to all NPA members.
ZeroEyes One: Advanced Gun Detection for Pawnbrokers
Thriving pawnbrokers o en have mountains of onsite cash and high-value merchandise—jewelry, electronics, firearms, and more. It’s always been an eye-catching prospect for those who intend to commit violent crimes. The pawn industry’s lingering reputation for lax security also fuels the potential for in-store gunpoint robberies. Traditionally, shop owners rely on video surveillance as a primary defense. But in reality, these systems primarily help investigators a er the fact—and o en with low-quality suspect images. Now, thanks to next-generation technology, there’s a dramatically more powerful way to protect your sta and property: visual gun detection from ZeroEyes.
WHAT IS VISUAL GUN DETECTION?
Visual gun detection is a technology that utilizes artificial intelligence (AI) to identify firearms in real-time video footage from your existing surveillance cameras. The system processes video frames rapidly, analyzing them for characteristics consistent with firearms. Visual gun detection pioneer, ZeroEyes, leads the industry. Founded in 2018 by a group of Navy SEALs and elite technologists, ZeroEyes protects people in more than 40 states—and there’s a palpable buzz around these innovators making major U.S. and international headlines.
Since visual AI gun detection can alert police at the first sight of a gun, not the first shot, it’s a strongly proactive way to help prevent gun-related violence.
HOW IT WORKS
If a gun is detected on your digital security camera, the images are instantly shared with the ZeroEyes Operations Center (ZOC), the industry’s only U.S.-based, fully inhouse operation center, sta ed 24/7/365 by specially trained military and law enforcement veterans.
Verified threats result in dispatched alerts and actionable intelligence—including visual description, gun type, and location—to your sta and local law enforcement as quickly as 3–5 seconds from detection.
ZeroEyes currently serves schools, commercial businesses, government institutions, nonprofit and religious organizations, and others requiring extensive security coverage across vast spaces with many cameras.
But what about those with smaller spaces and/or fewer cams?
THE GAME CHANGER: MEET ZEO
ZeroEyes recently announced an expansion of its proven gun detection technology to smaller businesses—even those using only one camera—with its new ZeroEyes One service, a.k.a. ZEO.
5 Things to Know About ZEO
1. It can save you money
ZEO works with your existing digital security cameras—no need to buy new ones—and prevents the need to add security guards and sta for monitoring.
2. It respects privacy and prevents bias
No facial recognition or other personal identifying properties are used. ZEO doesn’t store or share images. There are no detections based on clothing, skin color, or behavior—just illegally brandished firearms.
This groundbreaking solution delivers around-the-clock, real-time video analysis of 1–15 cameras at an a ordable price, and it’s poised to make a marked di erence for small-business safety and security.
“Gun violence is unpredictable and can strike anyone, anywhere, any time,” says ZeroEyes CEO and Co-Founder Mike Lahi . “Leveraging the same powerful technology that protects K-12 schools, colleges, hospitals, military bases, and large businesses, ZEO now empowers smaller organizations to significantly enhance their security and help keep their patrons and employees safe from gun-related violence.”
IS ZEO RIGHT FOR YOUR BUSINESS?
Every business benefits from advanced security measures, but ZEO takes your company’s safety to a whole new level—because when you choose ZEO, you’re backed by ZeroEyes’ proven success and widespread trust. And when armed criminals darken your door, every second counts.
Give your employees and patrons greater peace of mind:
Get started with ZEO today.
3. 24/7/365 human verification from veteran military and law enforcement
No alerts are dispatched without a veteran military or law enforcement member verifying them first—o en as quickly as 3-5 seconds.
4. Installation is easy
You can set up ZEO the same day you receive your hardware device. A er following the simple instructions, the ZEO team confirms proper installation via a test of the camera and alert system, then you’re all set. And you can easily add or remove cameras anytime.
5. It’s the most accurate, e ective solution for proactively detecting brandished firearms
ZeroEyes’ patented solution is the only AI-based gun detection video analytics platform that holds the U.S. Department of Homeland Security SAFETY Act Designation.
Only $19,995 Holds 108 rings
Introducing a NEW Education Series
Education By Pawnbrokers, For Pawnbrokers
Brought to you directly by qualified NPA pawnbrokers, this monthly zoom series provides an opportunity for experts in their field to lead education-based discussions on topics they are passionate about.
All sessions are open for NPA Members - register today!
JAN
9
A Focus on the Numbers
Guest Host: Martin Strasser, Premier Jewellery & Loans, Inc January 9, 2025 3pm EST
MAR
13
Creating Superstar Managers
Guest Host: Joey Leza, Buffalo Jewelry & Loan
March 13, 2025 3pm EST
APR
10
Online Marketing & Content
Creation
Guest Hosts: Scott Nell and Randi Butterfield, Big Dog Pawn & Jewelry
April 10, 2025 3pm EST
MAY
8
Warehouse Organization
Guest Host: Anthony Vanegas Sunbelt Jewelry & Loan May 8, 2025 3pm EST
Success in Atlanta... again!
Stallcup Group, Inc., an Exit Strategy Consulting firm, announced its successful facilitation of the sale of Norcross Pawn . Norcross Pawn is an independently-owned business comprised of one pawn shop located in Atlanta, Georgia. Stallcup Group served as the exclusive financial advisor to the seller in this highly successful transaction.
Stallcup Group’s thorough analyses of Norcross Pawn’s nancial data, and the unique attributes and characteristics of both the company and individual stores helped ensure their client achieved all of their selling goals.
Here is what another Stallcup Group client had to say about their successes:
Steve immediately understood the ins and outs of our business and he was always there to qualify potential buyers. He was able to find buyers who understood the potential of the business. I would 100% suggest that anyone contemplating selling their pawn business get in touch with Steve.
Ed Bean, Suffolk Jewelers & Pawnbrokers Boston, Massachusetts
Since 2009, Stallcup Group has closed the sale of 231 stores totaling over $436 million. That’s real money in the hands of real owners like you!
All Stallcup Group’s clients have realized a purchase price increase of 10-50% from initial offer to final closing price.
Bluestone Trading has been a trusted source for diamonds, gemstones, and jewelry since 1978. Our focus is building long-term relationships and helping stores grow their business. Pawn stores utilize our knowledge and same day payments to buy virtually everything that comes through their door without tying up their own cashflow.
THE PROBLEMS WE SOLVE
Bluestone Trading creates cash flow and sales for our clients. Need to quickly turn your diamond and jewelry inventory into cash? Call us. Before you scrap that unique piece, let us make you a premium offer. We even offer quotes over the phone.
Instant Cash: Sell your inventory directly to us.
Maximize Profits: Sell unique or valuable pieces to us before scrapping them.
Sell Before You Buy: Get pre-purchase offers on incoming items.
Expand Your Inventory: Consign with us to offer a wider selection of diamonds, modern jewelry, and estate pieces.
Customer Satisfaction: Never turn away a jewelry customer again!
UNIQUE SOLUTIONS WE OFFER
Bluestone Trading’s founding principles and values are what set us apart. We are a midwestern company with midwestern values and believe in building long-term relationships with our clients. We have been actively involved in the NPA since the beginning and understand the ins and outs of working with pawn shops.
With our international presence and global client list, we know where the demand is—and can pay strong premiums—for your items. We also offer helpful tools on our website, such as a Carat Weight Estimator, Virtual Clarity Grading Book, and a convenient “Sell To Us” option.
“One of the most trusted names in the jewelry business! If you are looking to buy or sell... Bluestone is the place to shop.”
Pawnbroker Financing is the only direct lender to the pawn industry, offering revolving Lines of Credit to pawnbrokers nationwide.
THE PROBLEMS WE SOLVE
Pawnbroker Financing offers solutions for pawnbrokers that have needs beyond what conventional financing or banks can offer.
We address various challenges for pawn shop owners, including:
• Growing your Pawn Shop
• Expanding into New Markets
• Seasonal Demands
• Repay Family & Friend Loans
• Alternative to Friends & Family Loans
• Access to Capital not previously available
• Industry Specific Facility with Flexible Structure
• Marketing & Advertising Expenses
• Remodeling Expense
• Working Capital for Corporate Expenses
We will work with you to structure a customized line of credit that can take your business to the next level.
UNIQUE SOLUTIONS WE OFFER
Pawnbroker Financing offers revolving Line of Credit facilities up to $1,000,000 that are hassle-free and tailored to meet the specific needs of your pawn shop.
Our Pawnbroker Line of Credit has no hidden fees. There is no long-term commitment, and great credit is not a requirement. We provide daily access to your line of credit, and initial funding is received in as little as 5 days!
Revolving Line of Credit Facility: Borrow against pawns and inventory
Owner Occupied Real Estate Loans: Borrow against real estate equity.
“I used the LOC to open a second store and expand into a new market. I would highly recommend them to any pawn business.”
PawnTrain provides digital on-demand training for pawn businesses of all sizes. The training can be viewed anytime on any device, with hundreds of topics to choose from.
THE PROBLEMS WE SOLVE
PawnTrain is the only on demand pawn training available, created by Alan Nelson, industry leader in the cash and credit constrained industry since 1987.
From beginner pawnbrokers to assistant managers and owner/operators, PawnTrain provides pawn shop training for all levels of your team. Sessions include learning courses, quizzes, exams, and certifications.
Topics include:
• Loan & Sales Standards
• Diamond Requisites
• Financial Metrics
• Product Knowledge
• Timepiece Training
• History of Pawn
UNIQUE SOLUTIONS WE OFFER
Classes are designed to be worked into the day’s activities. Clients know at any time how they are progressing. Leadership receives weekly updates. For each level of training completed, trainees will receive a certificate they can proudly display in their store.
Our extensive consulting, education, and training programs are available online 24/7, 365. We offer low monthly renewal rates and will walk you step-by-step through the entire onboarding process.
“[PawnTrain]
helped us streamline and figure out some reporting as well as did some training with our employees. Our commission plan is working great and profits are up nicely the last couple years. If you need some structure or just a little tune up within your business give him a call!”
- Thomas Blaine, Garden City Pawn
343-9867
Polygon is a trusted community for jewelers, pawnbrokers, dealers and industry pros. Members connect in-person, online and via the Polygon Jewelers app to share expertise, gain business intelligence, and source/sell loose natural and lab grown diamonds, colored stones, jewelry, estate pieces, fine watches, and more.
THE PROBLEMS WE SOLVE
Pawnbrokers and jewelers have trusted Polygon for 40 years as the place to connect with qualified buyers and quickly sell diamonds, jewelry, fine watches, gemstones and more. Polygon’s sourcing tools are extremely useful to find gem and jewelry items that your customers want, at the best prices.
Membership provides access to valuable business information, including current wholesale prices that help you buy and sell efficiently.
With access reserved for vetted businesses only, Polygon membership is a badge of trustworthiness and credibility in the industry. Connect with thousands of other jewelers and business owners, get feedback on identification and authentication, ask business questions and gain market insights.
“As a pawnbroker POLYGON has offered me the opportunity to expand my markets and contacts, adding a great deal to my bottom-line profitability.”
- Perry Lewin, Decatur Jewelry & Pawn, IL
UNIQUE SOLUTIONS WE OFFER
With 5 product databases showcasing over 1 million listings, Polygon is a one-stop shop for jewelers and pawnbrokers to source and sell, access pricing info & valuations, and keep the pulse of the jewelry industry.
It is the only online platform to offer databases and trading channels for natural and lab-grown diamonds, gemstones, finished and semifinished jewelry, estate pieces, pearls, coins, watches and more.
The online and in-app marketplace is extremely active, with thousands of posts every month. Buy/sell posts are categorized, easily filtered and searched so you can customize your experience. All member companies are vetted and access to the network is secure.
Membership includes access to directory listings and full profiles, along with discussion forums and a member Facebook group. Additionally, Polygon hosts in-person events for members to meet-up, network and trade.
Diamond auctions run twice a month, and all members can participate as sellers and buyers. Our value-add Virtual Inventory and Datafeed services allow subscribers to showcase natural or lab grown diamonds from Polygon wholesalers on their own websites or online.
Online and in-app services available at Polygon.net and Polygon Jewelers in Google Play & App Store.
United Precious Metal Refining,
Inc. is the largest US-owned primary refiner and among the top three alloy manufacturers for the jewelry industry globally. They service both the pawn and jewelry industries. They are recognized for their commitment to the environment and meticulous implementation of compliance procedures to ensure responsible sourcing.
THE PROBLEMS WE SOLVE
For many pawnbrokers, the problem of liquidity is a constant issue. In order to be able to loan more, pawn shops need funds which they can obtain by selling their gold, silver, platinum and palladium to United PMR. As a primary refiner, we are able to process your gold quickly (within 24 hours of receipt), conduct a fire assay for near perfect results, and offer advances upon receipt of your metals and a preliminary assay to help get you the funds you need in a timely fashion.
UNIQUE SOLUTIONS WE OFFER
While there are many companies who offer to buy your gold, only a small number of them actually refine your metals. United is a primary refiner which means your metals aren’t being sold up the road. As an end user, United takes your scrap gold, processes it and refines it separating each element to be utilized in our jewelry products that are sold to jewelry manufacturers and repair shops around the world.
Additionally, you can send in those same metals with stones for a chemical stone removal process. With a stone removal lot, the diamonds are safely removed from your scrap lot, washed and returned to you. We also offer frosting services which allow for your clear or white stones to be processed for faster visual identification. The diamonds come out unscathed and the CZ’s result with a frosted glass appearance.
Yehuda Diamond Company is a part of the Zvi Yehuda LTD Group (est.1953), the leading and largest privately-owned technology company in the jewelry industry. Yehuda is well known throughout the United States for its revolutionary lab grown diamond detector – the Sherlock Holmes Detector.
THE PROBLEMS WE SOLVE
These days, it is imperative that anyone in the industry buying or selling diamonds is able to detect them accurately. It is your responsibility to fully inform and educate your customers about what they are purchasing. Selling undisclosed lab grown diamonds as natural diamonds is illegal. Whether intentional or accidental, you are still liable. You must protect yourself, your name, and your reputation.
With a Yehuda detector, you will be able to differentiate a natural diamond from a lab grown diamond with 100% accuracy, saving you lots of money and potential headaches in the future. Plus, our detectors work with your mobile device via the Yehuda app, enabling us to constantly update the software to ensure you are always protected.
UNIQUE SOLUTIONS WE OFFER
Recently, a new type of CVD process was introduced to the market, making diamond verification very challenging. In response, the Natural Diamond Council developed the Assure 2 testing protocol. The Sherlock Holmes 4.0 ($6,745) and SynthDetect ($18,500) are the only detectors on the market capable of checking multiple stones at a time with a 100% accuracy rating for identifying lab grown diamonds. No other device was able to detect 100% of the lab grown diamonds.
All three Yehuda devices use the same detecting hardware and operate under the same software.
• The Dr. Watson ($2,795): A small, portable, and rechargeable detector. Can check 8 rings at a time and ~50 carats of loose diamonds.
• The Sherlock Holmes 4.0 ($6,745): Can check up to 30 rings at a time and approx. 250 carats of loose diamonds.
• The Big Sherlock ($19,995): Can check up to 108 rings at a time and approx. 1000 carats of loose diamonds.
The Yehuda app ($10/mo) can be downloaded and used on multiple phones. The app is easy to work with, allowing you to save your test results to your secured private cloud storage (offered in 10GB, 20GB, 30GB storage plans).
ZeroEyes delivers a proactive, human-verified AI gun detection software solution that integrates into existing digital security cameras. Founded by Navy SEALs and elite technologists, ZeroEyes dispatches accurate, real-time intelligence about the illegal brandishing of a gun to local law enforcement, as quickly as 3 to 5 seconds from detection.
THE PROBLEMS WE SOLVE
ZeroEyes helps secure facilities, protect customers and employees, and limit your business’s liability. ZeroEyes software analyzes over three billion images each day from security camera video feeds and alerts authorities within seconds if a firearm is detected.
When it comes to gun violence and in-store, gunpoint robberies, shop owners have traditionally relied on video surveillance as a primary defense. But in reality, these systems mostly help investigators after the fact—often with low-quality suspect images.
Now, thanks to next-generation technology, ZeroEyes One (ZEO) provides a dramatically more powerful way to protect your staff and property. ZeroEyes One (ZEO), is ZeroEyes’ gun detection solution for small businesses. ZEO delivers around-the-clock, real-time video analysis of 1–15 cameras at an affordable price.
UNIQUE SOLUTIONS WE OFFER
ZeroEyes One (ZEO) is the fastest way to provide enterprise-grade gun detection technology to locations with less than 15 cameras.
It can save money: ZEO works with your existing digital security cameras—no need to buy new ones.
It respects privacy and prevents bias: No facial recognition or other personal identifying properties are used.
24/7/365 human verification: No alerts are dispatched without a veteran military or law enforcement member verifying them first.
Installation is easy: You can set up ZEO the same day you receive your hardware device.
It’s the most accurate, effective solution for proactively detecting brandished firearms: ZeroEyes’ patented solution is the only AIbased gun detection video analytics platform that holds the U.S. Department of Homeland Security SAFETY Act Designation.
Greetings from Alabama!
First and foremost, I’m thrilled to announce that the Alabama Pawnbrokers Association is revamping our website to better serve our members. Our new site will include features for online payments and automatic renewals, making it much easier for Alabama pawnbrokers to manage their memberships. We hope these enhancements will provide the convenience that our busy members need!
In addition to our website update, we’ve launched a new public Facebook page for the APA. This will help us connect and share valuable information with both current and potential members. Be sure to follow us to stay updated and engaged with the latest news and events.
On the advocacy front, we’re refocusing our lobbying efforts to ensure that our interests are strongly represented at the state level. We are committed to working diligently to advocate for policies that benefit our industry, and we encourage you to stay tuned for BIG updates coming in this area!
Lastly, we are excited to offer new partnership opportunities for vendors interested in supporting the Alabama Pawnbrokers Association. Our industry partners can now apply and sign up directly through our website. We look forward to forging strong partnerships that will help us enhance our services and impact.
Thank you for your continued support and dedication. We’re excited about these changes and the positive impact they will bring to our community. Here’s to a successful end to 2024!
I am once again addressing you as CAPA President. It is my honor to finish the term of President Stan Lukowicz as he attends to personal and family matters. We thank him for his leadership for the last two years.
In the 2024 legislative session, over 2300 bills were introduced. At least 1300 of those bills have been or will be vetoed by the governor or die in committee and never make it to his desk. Of the only 1,000 or so bills that make it
all the way and are signed into law, two of them were CAPA bills! In fact, two very significant pieces of legislation that CAPA sponsored this year. Increased Revenue Opportunities: The Fee Modernization Bill addressed the desperately needed assistance pawnbrokers need to keep up with the ever-increasing costs of doing business in California. Several of our long-standing fees are enhanced and other expenses will now be offset through new fee opportunities. These opportunities will be available for California pawnbrokers beginning January 1, 2025.
Enhanced Professional Standards: The California Pawnbroker Education Act mandates comprehensive education for all licensed pawnbrokers in California ensuring that everyone in our industry is well-versed in both state and federal laws. This will lead to higher standards of conduct and compliance, ultimately benefiting consumers and enhancing the reputation of pawnbrokers across the state. Looking ahead, this Act is set to take effect on January 1, 2026. By then, the California Pawnbroker Education Council, which will include representatives from CAPA, will have developed a robust curriculum covering essential topics such as compliance with anti-money laundering laws, lending laws, and other federal and state regulations. This education will ensure that all pawnbrokers are equipped with the knowledge and skills necessary to operate efficiently and lawfully. We are excited about the positive impact this Act will have on our industry and look forward to working together to implement these changes. Stay tuned for more updates on course availability and how you can take advantage of these new educational opportunities.
Lastly, CAPA wishes to thank our amazing vendors and presenters for an incredible CAPA Annual Convention and Exposition in beautiful Indian Wells, CA, in October. We had record numbers of pawnbrokers who enjoyed our sold-out exhibit hall and educational offerings.
Colorado has pawnbrokers placed on the Colorado Firearms Dealers Permit Rulemaking Committee; we will be working on this and other legislative issues. We are still working on getting every pawnbroker in the state into our association free of charge! Colorado Pawnbrokers, please talk to your neighbors and make sure everyone is signed up! Contact coloradopawnbrokers@gmail.com.
The Indian Pawnbrokers Association Board of Directors along with our Executive Director Greg Engstrom and Convention Coordinator Rebecca Engstrom have made the decision to pass the torch and assume control of the Midwest Pawnbrokers Convention and Magazine to Kelly Swisher, Cyndee Harrison. This decision was very hard for some that have been involved for many years in the Midwest Pawnbrokers Convention and Magazine. I know moving forward their team will do an outstanding job with the convention and magazine. The Midwest Pawnbrokers Convention will be May 16th to 18th 2025. At The Weston Indianapolis, 241 W Washington Street, Indianapolis, IN 46204.
Oregon is currently fairly quiet legislatively but working hard on the upcoming 3rd Annual PNW Pawn Conference! Together with the Washington State Pawnbroker Association, the Oregon Pawnbroker Association is thrilled to invite YOU to the 2025 PNW Pawn Conference, happening May 2-4 in the vibrant city of Seattle, WA! This event is set to be an unforgettable experience, bringing together pawnbrokers from across the Pacific Northwest to connect, share ideas, and tackle the latest in the pawn industry with fresh insights.
With hands-on workshops, engaging discussions, and opportunities to network with industry leaders and partners, this conference is your chance to supercharge your business and stay ahead in today’s evolving market. Plus, Seattle in spring is absolutely stunning—come for the knowledge, stay for the water views!
And to make it even better, we’re offering half-price registration for pawnbrokers through the end of the year! Don’t miss out on this incredible deal. Head over to www. pnwpawnconference.com to grab your spot at a discount! Contact me with any questions, Beth: 503.559.2911. We can’t wait to see you in Seattle for a memorable few days of learning, networking, and fun!
Virginia Pawnbrokers Association wants to restart our efforts to get more members to join. Please contact Jay Dunbar at Jay@superiorpawnva.com or call my cell phone at 757-293-8820. There are several bills coming out of the legislature that may impact our business.
Join us for the 2025 Convention & Expo, March 2023, 2025 at Moody Gardens in Galveston, TX. Friday Night dinner will be a private event at the Moody Garden Aquarium! Imagine eating dinner and sharing a beverage with your Pawn family, while sharks swim in the background! Guaranteed to be a fun night!
Washington is heading back to Olympia this session with a bill that got stuck in Rules this last spring. We have been very active with our new lawmakers, scheduling tours, and setting up meetings to re-introduce ourselves and the pawn industry in WA. We are making great strides and hope to have our bill passed this coming April. Our bill is for a moderate interest rate increase of 1%, a modest increase on storage fees, and the ability to take pawn renewals payments via debit card/online. We currently have 90 day loans and are seeking a 60 day loan structure. WA State’s pawn laws were written in the 60’s and have not been updated since. We are looking to update our RCW 19.60 to reflect today’s economy and times.
WSPA and OPA have been hard at work getting the PNW Pawn Conference set up. We are pleased to announce that our 2025 PNW Pawn Conference will be held May 2nd4th in Tacoma, WA. For more information, please visit our website at www.pnwpawnconference.com. All are invited to come enjoy a fun-filled and educational conference in the beautiful PNW!
It’s hard to know sometimes where to start with HR compliance – there are so many forms and acronyms that it can easily get overwhelming! Don’t worry though – with the right tools and resources, it doesn’t have to be. Use this HR Compliance Calendar from PayChex to help keep you on track in 2025.
January
• 1st: Minimum Wage Increase (review your state’s wage rates)
• 15th: Q4 2024 Estimated Taxes Due
• 31st: W-2, 1099, 1096, and 944 Forms Due
• 31st: Quarterly Forms 940, 941 & 720 Due
February
• 1st: Post OSHA Form 300A In a Visible Location
• 14th: Review and update employee W-4 forms
• 28th: File Forms 1094-C and 1095-C (Health Insurance Reports)
• 28th: Request Tax Extensions (If Needed)
March
• 1st: Distribute Form 1095-C to Applicable Employees
• 2nd: Submit OSHA Form 300A Electronically (If Required)
• 15th: Corporate Tax Returns Due (Forms 1120-S and 1065)
• 15th: Deadline for Corrective ROE Distributions for EACA Plans
April
• 1st: Health Insurance Reporting (Forms 1094-C & 1095-C) Electronic Filing Due
• 15th: Business Owner Tax Returns & Q1 2025 Estimated Taxes Due
• 15th: File Forms 8928 & 7004 (If Needed)
• 30th: Quarterly Forms 940 & 941 Due
• 30th: Remove OSHA Form 300A Posting
May
• 15th: Mid-Year Compliance Check – Review records, policies, and procedures
June
• 1st: Submit (RxDC Reporting
• 17th: Q2 2025 Estimated Taxes Due
• 30th: Deadline for Corrective ROE Distributions for EACA Plans
July
• 29th: SMM Notice to Plan Participants
• 31st: Form 5500 & 8955-SSA Filing Due
• 31st: Quarterly Forms 940 & 941 Due
August
• 1st: Mid-Year Compliance Check – Review records, policies, and procedures
September
• 16th: Extended Tax Returns & Q3 2025 Estimated Taxes Due
• 30th: Summary Annual Report (SAR)
October
• 15th: Medicare Disclosure Notice & Extended Tax Returns Due
• 15th: Form 5500 Extended Filing Deadline
• 31st: Quarterly Forms 940 & 941 Due
November
• 1st: Open Enrollment & Employee Classification Review
• 18th: Distribute Federal & Company Holiday Guidelines
December
• 1st: Benefit/Compensation Changes and 401(k) Notices
• 16th: Q4 2025 Estimated Taxes Due
• 31st: Nondiscrimination Testing & Year-End Payroll Review
Remember, a well-planned approach can save time and prevent costly penalties.
ARMS / AMMUNITION
Armslist.com
Charter Arms
GunBroker.com
Guns.com
Hicks, Inc.
JTS Group / Xisico USA
NSSF
Warrior Systems USA
Wise Arms
AUCTIONS / RESELLERS
Rapaport Diamond Auctions
AUTHENTICATION / DETECTION
Entrupy
JAGi Lab
LegitGrails
Sigma Metalytics
The Watch Register
Thermo Fisher Scientific
Gemxo LLC
Jay Pays
Watch Certification Services of America
BANKING / FINANCE / PAYMENT
PROCESSING
AltruPay: Pawn Payments
Electronic Transfer, Inc.
FlexApproved
Fortis Payment Systems, LLC
i3 Commerce Technology
Max Cash
P2M.ai
Pawnbroker Financing
Pawnshop Books
COIN / WATCH BUYERS & SELLERS
GreatCollections
Isaac Watches & Jewelry LLC
Kzoo Precious Metals Inc.
Tangible Investments Inc.
Times Past and The Vintage Contessa
COMPUTER SERVICES / SOFTWARE
Arch Crown Inc.
Bravo Store Systems
PawnMate, Inc.
Snap Software Inc. (PawnSnap!)
Torchsec Technologies
DIAMOND BUYERS / SELLERS
Aaria, Inc.
ABC Diamond Buyer, Inc.
Adamas
Atish Diamonds LLC
Bluestone Trading Company, Inc
Demond Gems, Inc.
DHK Gems Corp
DiaTrendz
Di-Moksh Diam, Inc.
FCP Diamonds, LLC
Jebel Gems Inc/Shri Diamond Inc.
Jewelry Group
Midsouth PM
MOD Diamond Group / Rock & Divine
Padmavati Exports Inc.
Palak Diam Inc
RK Kalati Company
S Padmavati Exports
SimplexDiam, Inc
Showkase
Smart Grown Diamonds LLC
Solitaire NY
Sparkle & Dazzle LLC
StarDimon, Inc.
SunDiam, Inc.
The Dealer of Diamonds
Truth Jewel Inc.
MERCHANDISE HANDLING / INVENTORY CONTROL
Fortress Display
PRINTING / PROMOTIONS
Burrell Printing
PRODUCT WHOLESALERS / DEALERS
Famous Gold, Inc.
Fashionphile Wholesale LLC
LePrix Wholesale
M & M Merchandisers
MIRC, LLC
Stuller
The Luxury Bee
Tiger Wireless/Tiger BuyBack
Upstate Coin & Gold
REFINING
EDUCATION / TRAINING / CONSULTING
AML Gurus
Gemological Institute of America (GIA)
Pawnshop Consulting Group, LLC.
PawnTrain LLC
Stallcup Group Inc, Exit-Strategy
Consulting
HR / INSURANCE / HEALTHCARE
JM Insurance Agency Partners
Marshall & Sterling, Inc.
McLarens
JEWELRY BUYERS / SELLERS
Brilliant Elements
Global Liquidators
Heera Moti, Inc.
King Diamonds, LLC.
Midwest Closeouts
Nikos Jewelry Inc.
Nisha Design Inc.
Pawn One Trading, LLC
Vama Diam
Verma Group, Inc.
Wisconsin Avenue Jewelry & Loan
Zafrani Gold
JEWELRY TECHNOLOGY
GemFind Digital Solutions
Polygon
Quick Jewelry Repairs
Textmechat (StarGems Inc.)
Unified Laser Corp
Vtron Lasers
Yehuda Company
JEWELRY TOOLS / COMPONENTS
Ed’s Box & Supply Inc.
Jewel-Craft Inc.
Kassoy
AAA Precious Metals, Inc
Core Scientific
David H. Fell & Co.
Dillon Gage Metals
Dlight Refiners LLC.
Elemetal LLC
Garfield Refining
General Refining Corporation
Hi-Tech PMR
Hoover & Strong
Jack Hunt Coin Broker Inc
Manhattan Gold & Silver
Mid-States Recycling & Refining
Noble Metal Refining
Noble Metal Services, Inc.
Pease & Curren, Inc
Precious Metal Refining Services
Refine Max Inc.
SHR Precious Metals
So Accurate Group
Specialty Metals
United Precious Metal Refining
US Metals LLC
Williams Gold & Silver
STORE DESIGN / EQUIPMENT
Box Brokers Group
Noble Display & Packaging
Rack’Em Racks / Horizon Mfg
STORE SECURITY
Blue Dot Safes
Bull Safe
Eyeson Digital
Rolland Solutions
Se-Kure Controls, Inc.
ZeroEyes
Apply for the Future Business Leaders Scholarship Fund
Know someone who might qualify for the Future Business Leaders Scholarship?
The NPA is proud to offer scholarships to children and grandchildren of current NPA member pawnbrokers. Beginning in February 2025, eligible students may submit an application to be considered for the 20252026 scholarship award.
FFL GUN & AMMO DEALERS
To me, success isn’t just about the numbers; it’s about longevity, resilience, and growth over time.
Our parents opened their first pawn shop in Sonora, California in the early ‘90s, so we grew up in the business. However, Josh and I initially took different paths—each earning a couple of college degrees and exploring other careers. As a child, I was exposed to the art of negotiation and deal-making. My parents taught me how to identify value, understand people’s needs, and put together great deals. This early experience sparked my interest in becoming a sports agent, where I could combine my passion for sports with my skills in negotiation and relationship-building.
It wasn’t until 2016 that Josh and I reconnected and decided to combine our skills and experiences to open our own shop. That’s when we truly stepped into the family business, bringing a fresh perspective while building on the foundation our parents laid.
Running a pawn business has been a continuous learning experience, shaped by both formal education and hands-on practice. Attending industry conventions and networking with colleagues and experts has been incredibly valuable in staying current with trends and best practices. However, some of my most significant lessons have come from the mistakes I’ve made along the way. For instance, I’ve learned the hard way about the risks of overinvesting in certain assets or offering loans on items that didn’t meet expectations, whether due to authenticity issues or misjudgments in value.
These setbacks, though difficult, have ultimately taught me to be more discerning, cautious, and analytical in my decision-making. I’ve learned that failure can be an excellent teacher, especially when it pushes you to adapt and improve quickly.
We set our business apart by operating with a strong commitment to honesty, integrity, and fairness in everything we do. We believe in creating win-win outcomes for both our clients and our team, focusing on long-term relationships rather than short-term gains. Our approach is service-oriented; we consistently look for ways to go the extra mile to support both our customers and team members. Whether it’s through personalized solutions or simply being responsive and dependable, we strive to create a positive impact and build trust with everyone we work with.
I know many pawnbrokers measure success by specific financial milestones, like hitting a certain dollar amount in active loans. For us, reaching $1 million in active loans was definitely a significant milestone. But when I think about the point at which I truly considered our business a success, it was when we reached our fifth year in operation. By then, we’d not only overcome the typical challenges of starting a business, but we’d also built a solid foundation, established a loyal customer base, and developed a reputation in the community. To me, success isn’t just about the numbers; it’s about longevity, resilience, and growth over time.
December 2024 will mark our eighth anniversary, and looking back, it’s incredible to see how far we’ve come. We started from scratch—no inventory, no loans—and built the business up step by step. While it took some time to gain traction, we’ve experienced consistent, year-over-year growth. Our showroom is now full of high-quality inventory, our loan base continues to expand, and we’ve earned top-tier reviews on Google, which set us apart from the competition. We’re now actively exploring opportunities to expand our footprint and continue building on this success.
Our legacy should be more than just business success. We want to be remembered as individuals who were deeply committed to our families and communities, as people who have always strived to be of service to others, and as an example of integrity and kindness, both in our professional and personal lives.
My favorite part of this journey has been building this business with my brother and best friend. It’s a privilege to work with someone you trust so deeply, and together, we’ve faced challenges, celebrated wins, and shared countless laughs. We don’t always see eye to eye on everything, but it’s those moments of disagreement that make our partnership stronger. We’re not just building a business; we’re creating memories and stories that will last a lifetime—and maybe one day, we’ll have enough for a book!
