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small business solutions

At Braswell & Son, we understand that small businesses sometimes need quick access to funds. That’s why we offer same-day, short-term financing designed with you in mind. With our special interest rates, we can provide cash or checks through collateral lending—fast, simple, and reliable.

Bring in qualifying items such as fine jewelry, Rolex watches, or luxury handbags with a collective value of $10,000 or more, and you’ll be eligible for our small business financing options. We’re here to help keep your business moving forward when timing matters most.

 consumer information

  • Same-Day Funding: Cash or check available immediately.

  • Credit Impact: No credit check required. Non-payment will not affect your credit score.

  • Secure Storage: Your collateral is safely stored and fully insured for the entire loan term.

  • Interest Rates: Begin at 8% APR (rates may vary based on collateral type, value, and term length).

  • Minimum Qualification: Collateral valued at $10,000 or more (jewelry, Rolex watches, luxury handbags).

  • Loan Amounts: Based on collateral evaluation; a written offer is provided at the time of assessment.

  • Term Length: Standard term is 30 days. Extensions or renewals may be available; interest applies per term.

  • Payment & Redemption: To reclaim your collateral, repay the loan amount plus interest by or before the maturity date.

  • Default: If unpaid and no extension is arranged, collateral becomes the property of Braswell & Son.

implications
of non-payment

There are no financial implications. If no payment is made the loan simply defaults. Collection practices include sending a text message or email reminding the client payment is due. There is no impact to a client's credit score for late or non-payment. Loans are renewed when an interest payment is made. APR does not exceed 24%. There are no additional fees or penalties when renewing a loan. No loans offered are under 60 days. Early prepayment options that are available are not associated with any fees or cost. The loan is not required to be repaid within 60 days. The minimum repayment period is 1 day and maximum is 10 years. An example of a loan is: borrower takes $100, repays $109 in 90 days. Loan is fulfilled.