Executive Summary
H&T Group plc is the UK's leading pawnbroking business by the size of pledge book. The business was founded in 1897 and now has 69 outlets across the UK and approximately 300 employees. Following a buy-out in September 2004, H&T is currently owned by its management and funds managed by Rutland Partners. The Group's core business remains pawnbroking although as the business has grown, it has diversified into other financial services including pay day advances, cheque cashing and pre-paid debit cards. The Group is also a retailer of jewellery, second-hand items sourced from its pawnbroking operations, and a small amount of new product bought for resale, primarily during the Christmas period. The Group provides lending solutions designed to meet the financing needs of private individuals who may not meet the lending criteria of high street banks. The Group mainly targets a customer base of borrowers who are precluded from accessing more traditional forms of finance, offering such customers a facility to borrow money in a way which is quick and convenient and which demands neither a bank account nor arrangement fees.
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