The SMG Advantage - Simple Management Group

Training & Talent Development

SMG builds leaders from within. Every team member starts with a structured 90-day onboarding process focused on retail, lending, and service. After certification, employees can advance through leadership academies and mentorship programs tailored to career growth. We also offer tuition assistance and ongoing training to support personal development. It's why more than 75% of our managers are homegrown, and why employee engagement scores consistently rank near perfect.

Technology & Innovation

Our proprietary PRIMA platform powers every store with standardized processes, real-time inventory tracking, and full compliance visibility. This system is custom-built for pawn operations and helps ensure efficiency from the sales floor to the back office. Customers benefit too-with our mobile app, they can view balances, make payments, and extend loans from anywhere. Already, over 20% of our payments happen digitally-and we're just getting started.

Operational Excellence

Every SMG store follows a detailed playbook that sets expectations for customer service, compliance, and merchandising. We use KPIs to track execution and quarterly audits to ensure stores stay sharp and on-brand. Our "Green & Clean" program ensures every location is visually consistent, welcoming, and retail-ready-delivering a better customer experience every time.

Financial Performance

Our stores outperform the industry with an average of $2M in revenue and $320K EBITDA-on track to exceed $400K. Rigorous controls and smart reinvestment allow us to scale profitably while maintaining strong cash flow. With a proven model, we're expanding quickly-but with discipline. Investors trust our returns, and our team delivers.

Expansion Momentum

SMG is targeting 131 stores by 2026 and over 300 in the long term. We're entering underserved markets across Florida, the Caribbean, and Central America with a mix of acquisitions and de novo stores-backed by playbook-driven rollouts and leadership experience. This growth is planned, fast-moving, and backed by the systems that make us reliable at scale.