Pawn shops may bring to mind small short-term loans and great deals on jewelry, musical instruments and other equipment. Pawn shops have recently become an alternative to conventional banking for some small businesses. “We’ve seen quite an increase in those short-term loans for small businesses. Banks are getting tighter and tighter on their restrictions and just aren’t loaning money. And those who need it for just a few days are coming here instead. That business really has increased quite a lot for us,” says Will Adams, General Manager of Palace Jewelry and Loan in downtown Reno. Adams points out that pawn shops don’t report loans like banks do there is no impact on credit scores. Furthermore, he has been seeing more and more small business owners coming in for short-term loans to make payroll and returning within days to claim their collateral. “It helps them keep business flowing,” says Adams.