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SEScoggins RTO has an experienced management team led by Eddie Scoggins. Mr. Scoggins has over 30 years of experience running sub-prime lending businesses throughout the US and England. Mr. Scoggins formerly ran a 535 store chain of payday loan businesses that led to a partnership with and an eventual sale in 1999 to Advance America, the largest payday lending company in the country. In the past ten years Mr. Scoggins was involved in the formation of Valued Services, a subsidiary of Compucredit (CCRT). Mr. Scoggins was engaged as COO and was involved in three separate acquisitions in transactions that totaled millions of dollars and over 500 store locations.

Most recently Mr. Scoggins was a partner in a small pawn chain that he developed for Check Into Cash, the second largest payday lender in the country. Mr. Scoggins also has an extensive history running and owning other sub-prime businesses such as small loan stores, rent to own, buy here pay here car lots, and check cashing stores. In November 2014 Mr. Scoggins sold the group of 16 pawn shops to First Cash Financial services for over $25 million. Since leaving the pawn industry Mr. Scoggins has reentered the rent to own industry. Starting with a single store in Cleveland TN Mr. Scoggins is currently exploring opportunities for new store growth and acquisitionss.


Loftis Jewelry and PawnbrokersIn May of 2009 PHC acquired Loftis Jewelry and Pawnbrokers in Springfield Missouri, a 12,000 square foot facility with over $2.5 million in sales and stable management which fit perfectly into PHC’s vision of the future of the pawn industry. Estimated to be the largest single pawn store in Springfield, MO, Loftis is a three generation family business. The company is a premium retailer and pawner of quality items such as jewelry, guns and hard goods.

"Working with Eddie Scoggins and the Powell's has been an absolute pleasure. There were no surprises and because of their experience in pawn, they knew what they were doing and caused little disruption in my store. I highly recommend that if you are thinking about selling your pawn shop, you contact these guys first." - Doin Loftis, Founder of Loftis Pawn and former President of the National Pawnbrokers Association

Dan’s Discount Jewelry and Pawn storeIn November of 2009 PHC acquired all four Dan’s Discount Jewelry and Pawn stores located in Lexington KY, Winchester, KY and Georgetown, KY. Dan’s Discount Jewelry and Pawn has operated in Kentucky since 1993. These stores employ over fifty highly trained sales people and pawnbrokers and are located in desirable retail locations. These well run and profitable stores are the largest in the Lexington area and will provide a strong foundation for future growth in this geographic area.

"The sale of my four stores went surprisingly smoothly. Eddie and his team were very professional and knowledgeable and we got through the sales process painlessly and quickly. I would recommend PHC to anyone who is looking to sell their pawn business.” - Dan Merryman, Owner of Dan’s Discount Jewelry and Pawn

Pawn Shop | Easy Own Home Furnishings | Cleveland, TN | 423-790-1517 Pawn Shop | Easy Own Home Furnishings | Cleveland, TN | 423-790-1517



Dan Discount Jewlry

6301 Troost Ave.
Kansas City, MO 64131


Piazza Pawn and Jewlers

2554 Woodson Rd.
St. Louis, MO 63114


2100 Chesnee HWY
Spartanburg, SC 29303



David's PawnS Shop

1423 Cherry Road
Rock Hill, SC 29732

Loftis Jewlry and Pawnbrokerswww.LoftisJewlery.com

410 West University
Springfield, MO 65807





Atomic Pawn

530 Foothills Plaza
Maryville, TN 37801

2907 Tazewell Pike
Knoxville, TN 37918

8843 Kingston Pike
Knoxville, TN 37923


328 E. New Circle Road
Lexington, KY 40505

2233 Versailles Rd
Lexington, KY 40504

130 N. Broadway
Georgetown, KY 40324

623 East Main Street
Frankfort, KY 40601

102 W. Lexington Ave.
Winchester, KY 40391



5609 Preston HWY
Indian Trail Shopping Center
Louisville, KY 40219


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