Maxi-Cash
Maxi-Cash is a Singapore-based, SGX-listed multi-channel retailer and pawnbroker selling 916/999 gold jewellery, certified gold bars, pre-loved luxury goods, and offering pawnbroking and consignment services to individual Singapore consumers.
- Company typePrivate
- Founded2008
- HeadquartersSingapore, Singapore
- Headcount101–250
- GTM typeB2C
- OfferingServices
What Maxi-Cash does
Maxi-Cash is a Singapore-based multi-channel retailer and pawnbroker, founded in 2008 and listed on the SGX (sgx:5UF) as part of the Aspial Corporation group. The company sells 916 (22K) and 999 (24K) gold jewellery across rings, pendants, necklaces, bracelets, bangles, chains, earrings, and gift sets, alongside certified investment-grade gold bars sourced from refiners including PAMP Suisse, Metalor, and Argor-Heraeus, a Golden Treasure line of 999 gold collectibles (fortune cats, Buddha stickers, gold beans), and authenticated pre-loved luxury watches and bags from brands such as Rolex, Omega, Cartier, Louis Vuitton, Hermes, and Chanel. Pawnbroking, gold buying, and consignment services round out the assortment, with revenue generated through unit-based retail sales, per-gram gold trading, short-term collateralized lending, and consignment transaction fees.
The company's underlying technology stack is modest and operational rather than transformational: an E-Valuation online pricing tool (evalue.maxi-cash.com) provides indicative gold quotes, MaxiPAY handles in-store and online payments, and a mobile application supports e-valuation, online pawn-interest payment, and membership management. Gold and luxury authentication is performed by certified in-house professionals rather than through computer-vision or AI-driven inspection. Distribution is omni-channel within Singapore, combining an e-commerce storefront, multiple physical retail and pawnshop branches, and the mobile app, with marketing driven by social channels (Instagram, TikTok, Facebook, YouTube), a blog, a membership program with discounts and birthday perks, and recurring event-driven promotions such as the National Day Sale and Dazzling Draw lucky draws. GrabPay 4X installments extend payment flexibility at point of purchase.
The business model is direct-to-consumer across two primary customer profiles — individual buyers of gold jewellery and investment-grade bars (for personal wear, gifting, or wealth preservation) and pawn customers seeking short-term liquidity against gold and luxury collateral — with pricing set against live per-gram gold rates (SGD $226/gram for 22K, $241/gram for 24K as of the latest disclosed date) and no enterprise or B2B revenue lines. Operations are entirely Singapore-domiciled; geographic diversification, disclosed revenue figures, AI/ML capabilities, and recent M&A or funding activity were not present in the source data, and the company's strategic posture appears oriented toward incremental product broadening, channel digitization, and promotional intensity rather than structural transformation.
Maxi-Cash firmographics
Firmographics- Name
- Maxi-Cash
- Legal name
- Maxi-Cash
- Website
- https://maxi-cash.com
- Company type
- Private
- Founded year
- 2008
- Operating status
- Operating
- Headcount range
- 101–250 employees
- Short description
- Maxi-Cash is a Singapore-based, SGX-listed multi-channel retailer and pawnbroker selling 916/999 gold jewellery, certified gold bars, pre-loved luxury goods, and offering pawnbroking and consignment services to individual Singapore consumers.
- Ownership category
- akta.pro rank
Maxi-Cash industry classification
Industry- Product category
- Pawnbroking & Gold Jewellery Retail
- NAICS
- Jewelry Retailers (45831)
- SIC
- Retail-Jewelry Stores (5944), Personal Credit Institutions (6141)
- akta.pro primary industry
- Luxury Pawn & Collateral Lending (Watches/Jewelry) (CRAKAKAG)
- akta.pro secondary industries
- Pawn & Collateral-based Jewelry Retail (CRAKAGAL), Precious Metals & Jewelry Collateral Loans (FSAKALAC)
Keywords
Where Maxi-Cash is headquartered
LocationHeadquarters
- HQ city
- Singapore
- HQ country
- Singapore
- HQ region
- Asia
Offices1 record
Markets served
Maxi-Cash business model
Business model- GTM type
- B2C
- Offering type
- Services
- Cost components
- Operations, Personnel, Infrastructure, Marketing or Sales, Supply Chain
Revenue model
- Gold Jewellery Sales: Sale of new gold jewellery including rings, pendants, necklaces, bracelets, earrings, and gold bars. Products range from 916 gold (22K) to 999 gold (24K) with varying price points from budget items to premium investment pieces.
- Pre-loved Luxury Goods: Sale of pre-owned luxury items including watches, bags, and jewellery from brands like Rolex, Cartier, Louis Vuitton, and Chanel
- Pawnbroking Services: Pawn services allowing customers to pawn gold jewellery and luxury goods for short-term loans. Interest payments on pawned items represent a revenue stream.
- Gold Buying/Selling: Purchase of gold assets from customers with immediate payment, and sale of gold bars and collectibles for investment purposes
- Consignment Services: Consignment services for customers to sell pre-loved items through Maxi-Cash stores
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Unit Pricing | Pay-as-you-go | 916 Gold jewellery (22K) - everyday affordable pieces |
| Unit Pricing | Pay-as-you-go | 999 Gold jewellery and bars (24K) - premium investment pieces |
| Unit Pricing | Pay-as-you-go | Pre-loved luxury goods - authenticated branded items |
| Transaction based/ take rate | Pay-as-you-go | Pawn services - secured short-term loans |
Go-to-market motion3 records
Distribution channels4 records
Marketing channels7 records
Maxi-Cash product offering
Product offeringCore offering
Maxi-Cash is a Singapore-based pawnbroker and multi-channel retailer that sells 916 gold (22K) and 999 gold (24K) jewellery, certified investment-grade gold bars, and pre-loved luxury goods (watches, bags, jewellery). It also provides pawnbroking services that allow customers to pledge gold and luxury items for short-term loans, supported by an online E-Valuation tool, MaxiPAY payments, and a mobile app for interest payments and account management.
Product overview
Maxi-Cash operates as a Singapore-based multi-channel retailer offering a unified portfolio of gold jewellery, investment-grade gold bars, and pre-loved luxury goods, alongside pawnbroking and e-valuation services. The core product line comprises 916 gold (22K) and 999 gold (24K) jewellery including rings, pendants, necklaces, bracelets, earrings, and bangles, supplemented by certified gold bars from brands such as PAMP Suisse, Metalor, and Argor-Heraeus. The Golden Treasure sub-brand offers 999 gold collectibles including Buddha phone stickers, fortune cat figures, and petite gold beans. Pawnbroking services allow customers to pawn or consign items, while the digital ecosystem includes an e-shop and mobile application for e-valuations and online payments. Pre-loved luxury goods include authenticated watches and bags from premium brands.
Differentiator
Problem solved
Functional benefit
Products and services
- Gold Jewellery (916 Gold & 999 Gold) Maxi-Cash's primary product category featuring gold jewellery in 916 gold (22 karat) and 999 gold (24 karat) purities, including rings, pendants, necklaces, bracelets, earrings, bangles, chains, and charms, sold to individual consumers for personal wear, gifting, and investment.
- Gold Bars Certified 999/24-karat gold bars for investment purposes, sourced from refiners including PAMP Suisse, Metalor Switzerland, and Argor-Heraeus, available in various weights from 0.1g to 100gm. Bars meeting international bullion market criteria are GST-exempt.
- Golden Treasure Collection 999 gold collectibles including Buddha phone stickers, fortune cat collectibles, gold spinners, displays, and petite gold beans (ingot collectibles) in bottles, targeted at individual consumers seeking small gold gifts and collectibles.
- Pawnbroking Services Pawn service allowing customers to pledge gold jewellery and luxury items for short-term secured loans, with e-valuation, online interest payment via the Maxi-Cash app, and consignment options also available.
- Pre-loved Luxury Goods Pre-owned luxury goods including authenticated watches from brands such as Rolex, Omega, Patek Philippe, Cartier, and luxury bags from Louis Vuitton, Hermes, Chanel, and others, sold to individual consumers seeking authenticated branded items at below retail prices.
- Maxi-Cash Mobile Application Mobile application enabling customers to access E-Valuation services, pay pawn interest online, manage their Maxi-Cash membership accounts, and engage with promotional content.
- Maxi-Cash E-Shop Online e-commerce platform for purchasing gold jewellery, gold bars, collectibles, and pre-loved luxury goods with home delivery or self-collection options across Singapore.
- Sell-to-Us Gold Buying Service Service for customers to sell their gold jewellery and gold bars to Maxi-Cash for immediate cash payment based on live gold market rates.
Companies that use Maxi-Cash
Customer profileSegments4 records
Ideal customer profiles4 records
Maxi-Cash technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Feature3 records
Maxi-Cash partnerships and signals
Strategic signalScale indicators1 record
Recent moves6 records
Expansion highlights5 records
Maxi-Cash competitors and assessment
Company assessmentDirect peers
- Poh Heng Jewellery: Long-standing Singapore jewellery chain selling gold and diamond jewellery; overlaps with Maxi-Cash's everyday gold jewellery SKUs (916/999) and gifting-driven customer demand.
- Soo Kee Group: SGX-listed Singapore jeweller with gold and diamond offerings and a multi-store presence; directly comparable in retail jewellery product, omnichannel approach, and Singapore consumer focus.
- MoneyMax Financial Services: Singapore-based SGX-listed pawnbroker and retailer of jewellery, gold, and pre-owned luxury goods; the closest direct competitor to Maxi-Cash with the same pawn-and-retail hybrid model serving Singapore consumers with gold and branded luxury items.
- Lee Hwa Jewellery: Established Singapore jewellery retailer selling gold, diamond, and branded pieces across multiple stores; directly comparable to Maxi-Cash's retail jewellery arm for customer segment, product mix, and physical-store-led GTM.
- SK Jewellery: Singapore-based gold-jewellery chain with multi-store retail presence; comparable on price-segment gold jewellery offerings and gifting occasions that drive Maxi-Cash's retail demand.
- ValueMax Group: Singapore-based pawnbroking and retail chain focused on gold jewellery and luxury watches; overlapping business model, customer base, and Singapore footprint make it a direct comparable for Maxi-Cash's pawn-plus-retail operations.
- The Hour Glass: SGX-listed Singapore luxury watch specialist retailing new and pre-owned timepieces from Rolex, Patek Philippe, Cartier; directly comparable to Maxi-Cash's pre-loved watch (preloved/watch) category on product and premium-branded authentication.
- City Chain (City Chain): Major Singapore watch retail chain operated by a larger jewellery conglomerate; competes with Maxi-Cash on both new and pre-loved watch merchandising to the same Singapore consumer base.
- Goldheart Jewellery: Singapore gold-jewellery chain operating brick-and-mortar stores; competes with Maxi-Cash for gifting, Chinese New Year, and personal-adornment gold purchases with overlapping product categories.
Emerging players
- Reebonz: Asia-focused pre-loved luxury e-commerce platform for authenticated bags, watches, and accessories; relevant comparable to Maxi-Cash's pre-loved category though Reebonz is digital-first with no pawnbroking leg.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat4 records
Key risks6 records
Key highlights7 records
Customer concentration
Maxi-Cash social profiles
Digital presenceMaxi-Cash financial estimates
Financial estimateRevenue estimate
Valuation estimate
Maxi-Cash leadership team
Management profileNumber of profiles
Profiles1 record
Maxi-Cash funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Maxi-Cash M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Maxi-Cash
What does Maxi-Cash do?
Maxi-Cash is a Singapore-based pawnbroker and multi-channel retailer that sells 916 gold (22K) and 999 gold (24K) jewellery, certified investment-grade gold bars, and pre-loved luxury goods (watches, bags, jewellery). It also provides pawnbroking services that allow customers to pledge gold and luxury items for short-term loans, supported by an online E-Valuation tool, MaxiPAY payments, and a mobile app for interest payments and account management.
Is Maxi-Cash a public or private company?
Maxi-Cash is a private company. It is classified as public and is currently operating.
When was Maxi-Cash founded?
Maxi-Cash was founded in 2008. It employs 101 to 250 people.
Where is Maxi-Cash based?
Maxi-Cash is headquartered in Singapore, Singapore, in the Asia region.
How does Maxi-Cash make money?
Five revenue lines are on record. Gold Jewellery Sales are the primary driver. The others are pre-loved Luxury Goods, pawnbroking Services, gold Buying/Selling and consignment Services.
Who are Maxi-Cash's main competitors?
Direct peers on record are Poh Heng Jewellery, Soo Kee Group, MoneyMax Financial Services, Lee Hwa Jewellery, SK Jewellery, ValueMax Group, The Hour Glass, City Chain (City Chain) and Goldheart Jewellery. Reebonz is listed as an emerging player.
Does Maxi-Cash have an API?
No public API is recorded for Maxi-Cash.
What industry is Maxi-Cash in?
Maxi-Cash's product category is Pawnbroking & Gold Jewellery Retail. Its primary akta.pro industry code is CRAKAKAG, Luxury Pawn & Collateral Lending (Watches/Jewelry), with a secondary code of CRAKAGAL, Pawn & Collateral-based Jewelry Retail. Its NAICS code is 45831 and its SIC code is 5944.