About Pawnshop Consulting Group

World-Class Pawnshop Consulting

More Than Consulting ★ A Lifetime in Pawn

Pawnshop Consulting Group was not built from a textbook, a spreadsheet or a theory about how pawnshops should operate. It was built from a lifetime spent inside the pawn industry — behind the counter, managing stores, building teams, buying and selling businesses, working with owners and solving the same challenges our clients face every day.

50+
Years in Pawn

26+
Years Consulting

600+
Clients Served

40+
Countries

250+
Transactions

$150M+
Direct M&A Activity

Built in Pawn — Not Around It

My own relationship with this industry goes back more than five decades. I learned pawn from the operating side of the business — making loans, buying merchandise, managing inventory, serving customers, developing employees, running multiple locations and living with the financial consequences of the decisions made every day inside a pawnshop.

Over the years, that journey grew from store operations into ownership, management, acquisitions and dispositions, and eventually into helping other pawnbrokers improve their businesses. Pawnshop Consulting Group grew from that experience.

For more than 26 years in the consulting lane, PCG has worked with pawnshop owners, operators, management teams, investors and industry organizations across the United States and around the world. The markets may change and the businesses may be different, but many of the fundamentals remain remarkably familiar: people, performance, capital, customers, accountability and execution.

I have always believed the best consulting advice should be practical enough to use when you get back to the store on Monday morning.

One Industry ★ One Lifetime of Experience ★ One Resource for Virtually Everything Pawn

PCG’s work has expanded over the years because the needs of pawnshop owners extend far beyond a single area of the business. Sometimes the issue is operational. Sometimes it is financial. Sometimes it is people. And sometimes an owner is preparing for one of the largest decisions of a lifetime — buying, selling or valuing a pawn business.

Operational Consulting
Performance improvement, store operations, inventory, lending, customer experience and profitability.
Financial Analysis & KPIs
P&Ls, balance sheets, dashboards, forecasting, productivity and management reporting.
Valuations & M&A
Pawnshop valuations, transaction advisory, buyer representation and confidential sell-side support.
People & Productivity
Recruiting, management placement, compensation, incentives, accountability and productivity systems.
Peer Groups & Education
PCG Pawn Peer Focus Groups™, management education, industry presentations and professional development.
Strategic Advisory
Owner-level counsel, business planning, growth strategy and long-term value enhancement.

A Perspective That Reaches Beyond One Store

One of the great privileges of this career has been the opportunity to work with pawnbrokers in different markets, different cultures and different stages of business ownership. PCG’s client base has grown to more than 600 clients across more than 40 countries.

That experience has also included Pawn Peer Focus Groups™, International Pawn Symposiums™, management education, industry presentations, published works, advisory engagements and long-term participation in state, national and international pawn-industry organizations.

Industry Leadership & Recognition

I have had the opportunity to serve the industry through leadership and advisory roles with pawn organizations in the United States and internationally, including extended service with the National Pawnbrokers Association and involvement with state pawn associations.

PCG’s industry service has included National Pawnbrokers Association Industry Partner of the Year recognition in 2006 and again in 2026, along with the Midwest Pawnbrokers Lifetime Achievement Award in 2023.

The PCG Difference

We don’t consult from the sidelines. Our recommendations are grounded in decades of operating pawnshops, managing people, lending money, buying and selling merchandise, analyzing financial performance and participating directly in acquisitions and dispositions.

That doesn’t mean every client gets the same answer. Quite the opposite. Every pawn business has its own market, people, capital structure, customer base, strengths and challenges. Our job is to understand those realities, identify the opportunities that matter and help ownership turn good ideas into measurable results.

Put PCG Experience to Work

Whether the issue is operational, financial, people-related or transactional, sometimes the most valuable first step is simply a confidential conversation about where the business is today — and where you want it to go.


REQUEST A CONFIDENTIAL CONSULTATION

Jerry Whitehead

Founder & Senior Strategic Advisor
Pawnshop Consulting Group, LLC