PawnSmarts already knows the Colorado Pawnbrokers Act — 3-year records, the 10-day and 30-day holds, the 7-point declaration of ownership, weekly police reporting and LEADS Online. Write a compliant Colorado pawn in about 30 seconds.
Colorado pawn shop software is a point-of-sale and recordkeeping system configured for the Colorado Pawnbrokers Act (C.R.S. §29-11.9-101 et seq., recodified in 2017 by SB 17-228 from Title 12 into Title 29, Article 11.9) — the 7-point declaration of ownership, the 10-day contract and 30-day purchase holds, the 3-year record retention, the ten accepted ID types, and weekly law-enforcement reporting under §29-11.9-103. It captures the required fields, tracks the two hold periods, prints compliant Colorado tickets, and exports records for the weekly police report. PawnSmarts ships pre-configured for Colorado — including the city variations in Aurora and Colorado Springs — so you skip the spreadsheets, wall calendars and color-coded tags.
Colorado doesn't accept a generic "ownership attestation." The statute requires seven specific elements, and PawnSmarts gives each one its own field instead of cramming them into a notes box:
Most states have one hold period. Colorado has two, and mixing them up means disposing of property too early (legal liability) or too late (dead inventory). PawnSmarts picks the right timer from the transaction type:
| Transaction type | Hold period | Starts |
|---|---|---|
| Pawn contract | 10 days | Following maturity |
| Purchase | 30 days | Following the purchase date |
Select "Contract" and PawnSmarts counts 10 days from maturity. Select "Purchase" and it counts 30 days from the purchase date, then flags the earliest disposition date for you. One click shows everything coming up for disposition this week.
Colorado requires transaction records to be kept for at least three years and available for law-enforcement inspection. PawnSmarts keeps your full history searchable, lets you pull any date range instantly for an inspection, and exports your data whenever you ask — no archive-restoration fees, no holding your records hostage. It also works offline and auto-syncs, so a dropped internet connection never stops you from writing tickets or pulling records.
C.R.S. §29-11.9-103 recognizes ten identification types — Colorado driver's license, state-issued ID card, out-of-state driver's license, military ID, passport, immigration card, senior-citizen photo ID, tribal ID, non-photo ID (with a right-index fingerprint), and other government-issued photo ID. PawnSmarts lets you scan the photo IDs to auto-fill the pledgor and records the ID type on the ticket. For jurisdictions like Aurora that require a right-index fingerprint, it stores the print against the transaction record.
Colorado pawnbrokers submit a weekly list of all tangible personal property taken in to local law enforcement on a designated day. PawnSmarts generates the report for the previous seven days, formats it for submission, and exports to LEADS Online so the upload is one step instead of an afternoon of re-keying. See our police reporting guide for how this fits the rest of your compliance workflow.
Under the 1918 Provident Loan Society v. Denver precedent, Colorado cities may add requirements as long as they don't conflict with state law. PawnSmarts is set up for the local variations:
Sequential transaction numbering, a required right-index fingerprint, the 10/30-day holds, and weekly electronic reporting to the police department. PawnSmarts auto-numbers each transaction, captures the fingerprint and calculates the hold dates without manual calendar math.
An annual license (fee around $110), a $2,000 surety bond, and a background check per principal or manager (about $7), with sign-off from the Police Department, Pikes Peak Regional Building, City Planning and Sales Tax. PawnSmarts tracks your license-renewal dates and background-check records and reminds you before the license expires.
After Lakewood Pawnbrokers v. Lakewood (1973) affirmed the state's comprehensive scheme, Denver repealed its separate ordinance. Both cities now run under state law with general business licensing — so the standard 3-year records, 10/30-day holds, 7-point declaration and weekly reporting apply.
PawnSmarts is $89/month for the Essential plan or $129/month for Professional — month to month, cancel anytime, no setup fee and no contract of any kind. Prefer to own it outright? Professional is available as a one-time purchase for $2,995. Everything covered above — the Colorado fields, hold tracking, LEADS export, OFAC checks and police reporting — is built in.
We move your transaction history, customer records and inventory for you. Data migration is $395, one time, and most shops are live in under 24 hours. Your records come over in a standard, exportable format — not locked, not held hostage.
Colorado statutes — for reference: Colorado Pawnbrokers Act, C.R.S. §29-11.9-101 et seq. (recodified by SB 17-228 in 2017, formerly Title 12); C.R.S. §29-11.9-103 (3-year record retention, 10-day contract / 30-day purchase holds, 7-point declaration of ownership, weekly law-enforcement reporting, 10 accepted ID types); Provident Loan Society v. Denver, 64 Colo. 400 (1918); Lakewood Pawnbrokers v. Lakewood, 183 Colo. 370 (1973). City rules vary — confirm current fees and requirements with your municipality. PawnSmarts is a transaction-management tool; you are responsible for complying with all applicable federal, state and local laws.
Colorado has two separate hold periods: 10 days for pawn contracts (starting after maturity) and 30 days for purchases (starting after the purchase date). Disposing of property before the applicable hold period ends creates legal liability, while holding it too long ties up inventory. PawnSmarts automatically applies the correct hold period based on the transaction type.
Under C.R.S. §29-11.9-103, Colorado pawnbrokers must capture seven specific ownership elements: whether the pledgor owns the property totally or in part, whether there is power of sale from other owners, how long the pledgor has owned the property, whether the property was found, the circumstances of finding if applicable, the pledgor's signature, and a copy of the declaration given to the pledgor. PawnSmarts gives each element its own searchable field.
Colorado requires transaction records to be kept for at least three years and available for law-enforcement inspection. PawnSmarts keeps your full transaction history searchable, lets you pull any date range instantly for an inspection, and exports data on demand. It also works offline and auto-syncs, so a dropped internet connection never stops you from writing tickets or pulling records.
Yes. Colorado pawnbrokers must submit a weekly list of all tangible personal property taken in to local law enforcement on a designated day. PawnSmarts generates the report for the previous seven days and exports to LEADS Online so the upload is one step instead of an afternoon of re-keying, and it builds in city-specific rules for Aurora (fingerprint capture, sequential transaction numbering) and Colorado Springs (license tracking).
Colorado regulates pawnbrokers under the statewide Pawnbrokers Act, and cities may add their own licensing on top — Colorado Springs, for example, requires an annual license (fee around $110), a $2,000 surety bond and a background check per principal or manager, while Denver and Lakewood run under state law with general business licensing. PawnSmarts tracks your license-renewal dates and background-check records and reminds you before a license expires.
Pawn software for Colorado should be pre-configured for the 7-point declaration, the 10/30-day holds, 3-year retention and weekly law-enforcement reporting. PawnSmarts does all of this on every plan from $89/month (Essential) or $129/month (Professional), or $2,995 one-time, with no contract and no setup fee. It works offline, syncs automatically, runs in any browser on any device, and exports reports for LEADS Online.
Open the live demo and click around. If it looks right, sign up and we'll move your data for $395.
Questions? [email protected] · 800-710-6184