[abfunders]

Pledgecap?

Pledgecap is one step better then a pawn shop for borrowers with big items.
A pawn shop keeps the stock on the shelves - that's the point.
Pledgecap takes them off the shelves - and most things on the shelves of a pawn shop, pledgecap won't touch.

Of course, if it's the car/house, then he should go the SBA route. Pledgecap might help for the car, but he's not going to give up his car for 12 months.