Repledge software for gold financiers — including third-party repledge
Track every packet pledged onward to your banks or to a third party: terms, interest paid against interest earned, packet contents, and what must be released before a customer can collect.
- Own-bank and third-party
- Interest reconciliation
- Included in every licence
The problem repledge creates
On the day you start repledging, your business acquires a second set of books that has to agree with the first. A customer's ornaments are simultaneously your asset, your liability to that customer, and security for money you owe a bank. Miss the link between the three and the failure is not an accounting inconvenience — it is a customer standing at your counter whose gold you cannot produce today.
Most gold loan software in this market records your own pledges properly and then stops. FinAcc's repledge module is the reason a good number of multi-branch financiers move to us, and it is included in every licence rather than sold separately.
What it tracks
Packet composition
Which customer loans and which individual ornaments went into which packet, so a release request can be answered immediately.
Bank and third-party terms
Rate, tenure, margin and limit per lender, with your own bank lines and third-party arrangements kept separate.
Interest paid vs earned
The spread that makes repledge worth doing, reported per packet, per bank and across the portfolio.
Release sequencing
What has to come out of the bank before a customer's ornaments can be handed back, and confirmation posted to both books once done.
Limit utilisation
How much of each bank line is drawn, so you know your remaining headroom before you commit to lending.
Accounting postings
Repledge borrowing, interest and repayment post straight into the same double-entry ledger as everything else.
Frequently asked questions
What is repledge in a gold loan business?
Repledge is when you take the ornaments your own customers have pledged with you and pledge them onward — usually to a bank, sometimes to a third party — to raise working capital against them. You continue to owe the ornaments back to your customer, and you now also owe money against them to the bank.
Why does repledge need dedicated software?
Because you are running two books at once. A customer arrives to release their ornaments, but those ornaments are physically in a bank's vault inside a packet with nineteen other customers' items. You need to know which packet, on what terms, how much interest you are paying against what you are earning, and what must be released before the customer can collect. Spreadsheets fail at exactly this point.
Does FinAcc handle third-party repledge as well as own-bank?
Yes, both. Own-bank repledge and third-party repledge are tracked separately with their own terms, rates and reconciliation.
Can I see interest paid against interest earned?
Yes. That spread is the whole economics of repledge, and FinAcc reports it at packet, bank and portfolio level so you can see which repledge lines are actually profitable.
What happens when a customer wants a partial release?
FinAcc shows you which packet the ornaments sit in and what has to be released from the bank first, and records the release against both books once it is done, so neither goes stale.
Is repledge included in the standard licence?
Yes — the repledge module is included in FinAcc Lite and Pro, not sold as an extra. See pricing.
Bring your repledge position to the demo.
The fastest way to judge this module is to have us model one of your existing bank packets on the call — the terms, the contents and the reconciliation — and see whether it matches your own working.
- Free data migration
- Free onboarding & training
- Free trial before you pay
- Support in your language