ValueMax Group
ValueMax Group is a Singapore-headquartered, SGX Mainboard-listed (since 2013) pawnbroking and licensed moneylending group serving individuals and SMEs across Singapore and Malaysia, with additional jewellery retail, gold trading, and auto financing businesses.
- Company typePublic
- Founded1988
- HeadquartersSingapore, Singapore
- Headcount101–250
- GTM typeB2C
- OfferingServices
ValueMax Group firmographics
Firmographics- Name
- ValueMax Group
- Legal name
- ValueMax Group Ltd
- Website
- https://valuemax.com.sg
- Company type
- Public
- Founded year
- 1988
- Operating status
- Operating
- Headcount range
- 101–250 employees
- Short description
- ValueMax Group is a Singapore-headquartered, SGX Mainboard-listed (since 2013) pawnbroking and licensed moneylending group serving individuals and SMEs across Singapore and Malaysia, with additional jewellery retail, gold trading, and auto financing businesses.
- Ownership category
- akta.pro rank
ValueMax Group industry classification
Industry- Product category
- Pawnbroking and Moneylending Services
- NAICS
- Jewelry Retailers (458310), Jewelry, Watch, Precious Stone, and Precious Metal Merchant Wholesalers (42394)
- SIC
- Loan Brokers (6163), Retail-Jewelry Stores (5944), Wholesale-Jewelry, Watches, Precious Stones & Metals (5094)
- akta.pro primary industry
- Traditional Pawn Loans (Pawnbrokers) (FSAKALAA)
- akta.pro secondary industries
- Precious Metals & Jewelry Collateral Loans (FSAKALAC), Pawn & Collateral-based Jewelry Retail (CRAKAGAL), Luxury Pawn & Collateral Lending (Watches/Jewelry) (CRAKAKAG), Online/Digital Pawn & Remote Collateral Lending (FSAKALAG)
Keywords
Where ValueMax Group is headquartered
LocationHeadquarters
- HQ city
- Singapore
- HQ country
- Singapore
- HQ region
- Asia
Offices4 records
Markets served
ValueMax Group business model
Business model- GTM type
- B2C
- Offering type
- Services
- Cost components
- Personnel, Operations, Infrastructure, Technology or R&D, Marketing or Sales, Supply Chain
Revenue model
- Pawnbroking Interest Income: Core revenue stream from interest charged on collateralized loans secured by jewellery, watches, gold bars, and other valuables. Typical pledge items include yellow/white gold jewellery, diamond jewellery, branded timepieces, and gold/platinum/silver bars and coins.
- Moneylending Interest Income: Licensed moneylending business providing secured (property mortgage) and unsecured loans to individuals and businesses. Property loans range from S$500k to S$5 million with maximum 60% LTV.
- Retail Jewellery and Watches Sales: Sale of new and pre-owned jewellery, gold bars and coins, branded watches (Rolex, Patek Philippe, Omega, etc.), and Hermes bags. Pre-owned items are refurbished and sold at attractive second-hand prices.
- Gold Trading Wholesale: Wholesale gold trading company purchasing scrap gold from subsidiaries and other pawnbrokers/jewellery traders, selling fine gold bars to jewellery factories, wholesalers, and retailers.
- Auto Financing: Financing services for automotive industry including dealership financing and used car financing.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Unit Pricing | Pay-as-you-go | Property Mortgage Loans - from S$500k to S$5 million |
| Unit Pricing | Pay-as-you-go | Unsecured Personal Loans |
| Unit Pricing | Pay-as-you-go | Jewellery and Watch Retail |
Go-to-market motion1 record
Distribution channels4 records
Marketing channels6 records
ValueMax Group product offering
Product offeringCore offering
ValueMax Group operates the largest pawnbroking chain in Singapore, providing secured short-term loans against gold, jewellery, watches and luxury items across 49 outlets. Beyond pawnbroking, the group runs a diversified moneylending business (VM Credit) offering property mortgage loans, personal loans, payday loans, fast cash loans and auto financing, alongside the retail of pre-owned jewellery and watches and gold and precious metals trading, with a parallel presence in Malaysia through 32 outlets.
Product overview
ValueMax Group operates as a diversified financial services and retail company offering pawnbroking, licensed moneylending, gold trading, and retail of jewellery and watches. The company's core business is pawnbroking (accepting jewellery, watches, and valuables as collateral), supported by its VM Credit moneylending subsidiary providing property mortgage loans, personal loans, and auto financing. The retail arm sells new and pre-owned jewellery, watches, and luxury bags through physical outlets and an e-store. A wholesale precious metals trading division purchases scrap gold and sells fine gold bars to manufacturers. The group has expanded to 49 pawnbroking and retail outlets in Singapore plus 32 outlets in Malaysia through associated companies, and listed on the Singapore Exchange Mainboard in 2013.
Differentiator
Problem solved
Functional benefit
Brands
- VM Credit: Licensed moneylending subsidiary offering property mortgage loans, personal loans, and auto financing.
- Ar Rahnu
- D'LUX (RENEW)
- ValueMax Mobile App
Products and services
- Pawnbroking Services Secured short-term loans issued against pledged gold jewellery, watches, luxury items and branded goods, with tickets renewable in-branch or online. Services individual consumers seeking fast, collateral-backed liquidity across Singapore (49 outlets) and Malaysia (32 outlets via associated companies). Includes the Islamic-compliant Ar Rahnu variant for Shariah-compliant pledging.
- Moneylending Services (VM Credit) Unsecured and property-secured personal credit facilities under the VM Credit subsidiary, including property mortgage loans, personal loans, payday loans and fast cash loans, targeted at individuals, business owners and corporates that need faster or more flexible credit than mainstream banks.
- Auto Finance / Car Financing Vehicle financing solutions for car buyers and used-car dealers, with loans secured against the vehicle itself, providing an alternative to bank or dealer-captive auto financing.
- Retail of Jewellery and Watches Retail sale of pre-owned gold jewellery, watches, branded bags and luxury items — including unredeemed pawn stock and authenticated second-hand pieces — through in-branch retail counters and the ValueMax e-store, targeting value-oriented individual buyers.
- Gold and Precious Metals Trading Wholesale and retail trading of gold and precious metals, leveraging ValueMax's branch network and inventory of pledged gold to monetize redemption flows and bullion demand from individual and commercial counterparties.
Quantifiable outcome
- Quick 10-minute pawn procedures
- +3 more outcomes
Companies that use ValueMax Group
Customer profileSegments3 records
Ideal customer profiles4 records
ValueMax Group technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Feature3 records
ValueMax Group partnerships and signals
Strategic signalPartnerships
Three partnerships are on record, tiered minor and core.
- ADDX ExchangeminorValueMax launches digital securities commercial paper series on the ADDX exchange, a digital securities platform for fractional ownership and trading.
- SDAX PlatformminorValueMax launches commercial paper series on the SDAX digital securities platform, enabling institutional and retail investors to invest in short-term commercial paper.
- Well Chip Group BerhadcoreWell Chip Group Berhad is an associated company through which ValueMax operates its 32 outlets in Malaysia (27 pawnshops and 5 retail outlets). ValueMax has been involved in supporting Well Chip's potential listing on Bursa Malaysia Securities Berhad's Main Market and has participated in rights issues and warrant exercises.
Scale indicators9 records
Recent moves4 records
Expansion highlights6 records
ValueMax Group competitors and assessment
Company assessmentDirect peers
- Maxi-Cash (Aspial Group): Singapore-headquartered pawnbroking and jewellery retail chain, the closest direct competitor with overlapping pledge items, retail formats, and customer base.
- Well Chip Group Berhad: Malaysia-listed pawnbroking and retail chain in which ValueMax holds an associate stake — directly comparable pawn-and-retail model operating ValueMax's 32 Malaysian outlets and a useful read-through for Malaysian expansion economics.
Broad incumbents
- EZCORP: US-listed pawnbroking incumbent with pawn lending and pre-owned retail — closest US proxy on business mix and regulatory exposure, useful for benchmarking yield, LTV, and store-level economics.
- FirstCash Holdings: Large US/LatAm pawnbroking and specialty consumer-lending public company — overlap in pawnbroking fundamentals (collateral appraisal, fixed-term pledge loans, retail resale) but materially larger geography and scale.
- Cash Converters International: Global franchised pawnbroking and second-hand goods retailer with Singapore presence — comparable business model (collateral-based lending plus retail of pre-owned goods) but broader geographic and product scope.
- AEON Credit Service (Singapore): Singapore-listed consumer-finance operator offering personal and motor vehicle financing — comparable VM Credit adjacency (personal loans, auto financing) under Singapore's regulated moneylending framework.
- Aspial Corporation (parent of Maxi-Cash): Singapore-listed jewellery and pawnbroking group that controls Maxi-Cash — direct competitor at group level, providing peer disclosure on Singapore pawnbroking economics and jewellery retail.
Regional players
- H&T Pawnbrokers: UK-listed pawnbroking chain offering pledged-item lending and retail of pre-owned jewellery/watches — comparable core activity and counter-cyclical earnings profile, though primarily UK-focused.
- Luk Fook Holdings: Hong Kong-listed jewellery retailer with growing Southeast Asia footprint — comparable retail jewellery/watches and gold-bullion merchandising even though the company does not run a pawnbroking operation.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat5 records
Key risks7 records
Key highlights7 records
Customer concentration
ValueMax Group social profiles
Digital presenceValueMax Group compliance and trust
Trust signalCompliance4 records
ValueMax Group financial estimates
Financial estimateRevenue estimate
Valuation estimate
ValueMax Group leadership team
Management profileNumber of profiles
Profiles1 record
ValueMax Group subsidiaries and ownership
Company hierarchySubsidiaries30 records
ValueMax Group funding detail
Funding detailFunding overview
Funding rounds1 record
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
ValueMax Group M&A and investment
M&A and investmentM&A1 record
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about ValueMax Group
What does ValueMax Group do?
ValueMax Group operates the largest pawnbroking chain in Singapore, providing secured short-term loans against gold, jewellery, watches and luxury items across 49 outlets. Beyond pawnbroking, the group runs a diversified moneylending business (VM Credit) offering property mortgage loans, personal loans, payday loans, fast cash loans and auto financing, alongside the retail of pre-owned jewellery and watches and gold and precious metals trading, with a parallel presence in Malaysia through 32 outlets.
Is ValueMax Group a public or private company?
ValueMax Group is a public company. It is classified as public and is currently operating.
When was ValueMax Group founded?
ValueMax Group was founded in 1988. It employs 101 to 250 people.
Where is ValueMax Group based?
ValueMax Group is headquartered in Singapore, Singapore, in the Asia region.
How does ValueMax Group make money?
Five revenue lines are on record. Pawnbroking Interest Income is the primary driver. The others are moneylending Interest Income, retail Jewellery and Watches Sales, gold Trading Wholesale and auto Financing.
Who are ValueMax Group's main competitors?
Direct peers on record are Maxi-Cash (Aspial Group) and Well Chip Group Berhad. Broad incumbents are EZCORP, FirstCash Holdings, Cash Converters International, AEON Credit Service (Singapore) and Aspial Corporation (parent of Maxi-Cash). Regional players are H&T Pawnbrokers and Luk Fook Holdings.
Does ValueMax Group have an API?
No public API is recorded for ValueMax Group.
What industry is ValueMax Group in?
ValueMax Group's product category is Pawnbroking and Moneylending Services. Its primary akta.pro industry code is FSAKALAA, Traditional Pawn Loans (Pawnbrokers), with a secondary code of FSAKALAC, Precious Metals & Jewelry Collateral Loans. Its NAICS code is 458310 and its SIC code is 6163.