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Business Overview

H&T Group was founded in London in 1897 as Harvey & Thompson. In 1992, when it had 27 stores, H&T was acquired by Cash America Inc. Following this change of ownership H&T continued to grow both in terms of number of stores and range of products and services offered.

Under the Cash America ownership, H&T began providing cheque cashing and unsecured loan services. In 2001 the Company embarked on a programme to improve its retail offering, investing in extensive refurbishment and rebranding of its stores to make them more appealing from a retail perspective.

In September 2004, a management team led by John Nichols and backed by funds managed by Rutland Partners undertook a management buy-out of the H&T business. Since then, the Company has added to the depth of the management team, appointing a new Finance Director and Operations Director, and successfully implementing a number of strategies to improve the performance of its business, including:

  • expansion of geographical footprint: H&T has expanded to over 190 stores across the UK and continues to develop its store estate in under-served areas of which there are still a considerable number in the UK;
  • introduction of new financial  products services that have served to expand the appeal of the brand and widen the customer base
May 2006 H&T completed its admission to AIM with a placing price of £1.72 and market capitalisation of approximately £54m
May 2007 H&T successfully placed another 3.6million shares on AIM raising an additional £7m to fund the growth of the company’s retail estate
March 2008 Through new build and acquisition, H&T grows its estate to 93 stores
March 2009 The company had 106 stores nationwide
October 2010 H&T named employer of the year by the National Pawnbroking Association (NPA)
January 2012 H&T has over 160 stores and 50 Gold Bars nationwide
October 2012 Awarded Investors in People Gold. Won the NPA Employer of the Year and Community Contribution awards.
December 2012 Store estate of 186 stores and 24 Goldbar units
January 2013 Roll out of the new BuyBack product into H&T stores
March 2013 Roll out of the Foreign Exchange product in to all stores
September 2013 New Personal Loans product launched in all stores
October 2013 Two H&T employees won the NPA Rising Star and Employee of the Year awards
December 2013 Store estate of 194 stores
June 2014 Roll out of the new retail store branding concept and unique est1897 retail jewellery store concept
October 2014

H&T won NPA Store of the Year, Community Contribution and Rising Stars awards

H&T launch an industry first, mobile phone app for secured lending

Expansion of the retail proposition when the online shop is launched

February 2015

Expansion of the retail proposition when the online shop is launched

H&T employee wins Retail Jeweller’s Rising Stars Award and H&T shortlisted for Employer of the Year and Innovation Award at UK Jewellery Awards

Continued investment in a fully integrated consumer approach see the launch of an online account management facility, another industry first

March 2015  Launch of online pawnbroking capability