Cash Wise

What Cash Wise does

Cash Wise is a traditional pawnbroker headquartered in Miranda, New South Wales, Australia. The company operates a single licensed shopfront at 41 Kiora Road, Miranda, and offers three integrated service lines: pawnbroking loans secured against items of value (gold jewellery, electronics, musical equipment, cameras, and other portable goods), direct purchases of goods from customers, and retail sales of pre-owned jewellery, electronics, musical instruments, and tools. The business is licensed by the NSW Department of Fair Trading, regulated by the NSW Police, and holds membership in the NSW Pawnbrokers' Association.

The customer base consists entirely of individual consumers across three personas: short-term cash seekers needing bridge liquidity without credit checks, individuals selling valuables for immediate cash, and bargain shoppers purchasing pre-owned merchandise. Loans start from $20 and run up to 3-month terms, with payments accepted in-store or online. All electronic items sold retail carry a 30-day warranty. The company has operated for close to 30 years and is privately held with no disclosed external investment.

There is no proprietary technology platform underpinning the business. Operations rely on traditional pawnbroking processes including manual goods evaluation, ID verification against NSW statutory requirements, and secure in-store storage. The company has no mobile application, no API surface, and no online loan origination capability. Revenue is generated through two primary streams: interest and fees on collateralized short-term loans, and margin from the resale of unredeemed pawn items plus purchased second-hand goods. The business runs on a single-shopfront distribution model with no e-commerce or multi-site footprint.

Name

Cash Wise

Legal name

Cash Wise

Website

https://cashwise.com.au

Company type

Private

Founded year

2010

Operating status

Operating

Headcount range

11–50 employees

Short description

Cash Wise is a traditional, single-shopfront pawnbroker in Miranda, NSW, Australia offering collateralized cash loans, direct goods purchases, and pre-owned merchandise sales to individual walk-in consumers.

Ownership category

akta.pro rank

Product category

Pawnbroking Services

NAICS

Sales Financing (52222), Jewelry Retailers (45831)

SIC

Personal Credit Institutions (6141), Retail-Jewelry Stores (5944)

akta.pro primary industry

Electronics & Tools Collateral Loans (FSAKALAD)

Keywords

• Pawnbroking loans
• Collateral lending
• Secured cash loans
• Second-hand jewellery
• Pre-owned electronics

Headquarters

HQ city

Miranda

HQ country

Australia

HQ region

Oceania

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

Personnel, Operations, Supply Chain, Marketing or Sales

Revenue model

1. Pawnbroking loans: Cash loans secured against valuable items (gold jewellery, electronics, musical equipment, etc.). Revenue generated through interest and fees on short-term loans (up to 3 months). No credit history required from borrowers.
2. Goods sales: Sale of pawned/repo items including jewellery, electronics, musical instruments, tools, and second-hand goods. Revenue from margin between loan default value and resale price. All electronic items carry 30-day warranty.

Pricing tiers

Go-to-market motion1 record

Distribution channels1 record

Marketing channels1 record

Core offering

Cash Wise is a traditional pawnbroker that provides instant cash loans secured against items of value such as gold jewellery, portable electronics, musical equipment, digital SLR cameras and game equipment, with loan terms up to 3 months and no credit checks required. The business also buys goods directly from customers (gold, electronics, watches, tools, designer items) paying in cash or cashier's cheques, and retails pre-owned and estate jewellery, electronics, musical instruments, tools-of-trade and video games, with all electronic items carrying a 30-day warranty.

Product overview

Cash Wise is a traditional pawnbroker operating as a single-location retail and lending business with three integrated service offerings. The core services are: (1) Loan Your Goods — pawnbroking loans secured against items of value with no credit checks; (2) Sell Your Goods — direct purchase of gold, electronics, watches, tools, and designer items; and (3) Goods for Sale — retail sale of jewellery, electronics, musical instruments, and other pre-owned goods. The business operates from licensed shopfronts regulated by the NSW Department of Fair Trading and NSW Police, with lower overheads than larger retail centres enabling affordable pricing.

Differentiator

Problem solved

Functional benefit

Products and services

• Loan Your Goods Pawnbroking service providing instant cash loans from $20 secured against items of value including gold jewellery, portable electronics, game equipment, mobile phones, digital SLR cameras and musical equipment. Loans are offered for up to 3 months with no credit checks, and customers can repay in-store or online.
• Sell Your Goods Outright purchase service where Cash Wise buys items from customers, including gold (bullion bars, coins, jewellery, watches, charms, nuggets), electronics, luxury watches, premium tools, musical instruments and designer items. Payment is made in cash or cashier's cheques.
• Goods for Sale Retail offering of pre-owned and new items including an extensive range of new, estate and second-hand jewellery, small portable electronic goods, musical instruments, tools-of-trade and video games. All electronic items carry a 30-day warranty, and goods are priced affordably due to lower overheads compared to large retail centres.

Segments3 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

One partnership is on record.

• NSW Pawnbrokers AssociationminorOthersCash Wise is a member of the NSW Pawnbrokers' Association, indicating compliance with industry standards and regulatory requirements. This membership provides credibility within the regulated pawnbroking industry in New South Wales.

Scale indicators2 records

Recent moves4 records

Expansion highlights3 records

Broad incumbents

• FirstCash Holdings: Large US and Latin American pawn operator running thousands of storefronts offering pawn loans and merchandise resale. Comparable on the core pawn-plus-retail model, but operates at materially greater scale, multi-country footprint, and with listed-company governance and capital structure.
• EZCORP: US-listed pawnbroking and consumer financial services operator providing pawn loans, sell-and-buy transactions, and pre-owned merchandise sales across the Americas. Directly comparable on collateral-based lending plus resale economics, with broader product set (including payday lending in some markets).

Direct peers

• Cash Converters: Australia's largest listed pawnbroking and second-hand retail chain, offering secured pawn loans and resale of pre-owned goods across a national storefront network. Directly comparable to Cash Wise on loan structure, collateral acceptance, and retail resale model, but with significantly greater scale and multi-site reach.
• H&T Pawnbrokers: UK-listed high-street pawnbroking chain offering secured short-term loans against gold, jewellery, watches, and electronics, plus retail sale of un-redeemed items. Comparable on collateral-based lending economics, multi-stream revenue (loans plus resale), and store-based customer acquisition, though geographically focused on the UK.

Regional players

• Lambton Pawnbrokers & Jewellers: Regional NSW pawnbroker offering secured loans against jewellery and gold plus retail resale of pre-owned goods. Closely comparable operating model, customer base, and regulatory environment to Cash Wise, but anchored in the Newcastle region rather than the Sutherland Shire.
• Bondi Junction Pawnbrokers: Sydney-based independent pawnbroker offering cash loans against gold, jewellery, and watches plus resale of pre-owned items. Comparable single-storefront Australian pawn model, though located in Sydney's eastern suburbs rather than southern Sydney.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat3 records

Key risks6 records

Key highlights6 records

Customer concentration

• LinkedInlinkedin.com/company/cash-wise

Revenue estimate

Valuation estimate

Number of profiles

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Cash Wise