How it works: the lending sequence.
A straightforward, discreet 5-stage process from confidential preliminary estimate to insured in-vault testing, same-day wire disbursement, and safe collateral return.
The 5-Stage Borrowing Journey
Every loan follows a structured, transparent timeline designed for maximum speed, privacy, and asset preservation.
Digital Consultation & Estimate
Inquiry & Preliminary ValuationShare details and photographs of your luxury timepiece or fine jewelry online. Our specialist appraisal desk analyzes live secondary wholesale market data to issue a preliminary written term sheet.
- Submit photos and reference numbers through our secure portal
- Benchmarked against real-time secondary wholesale indices
- Zero credit check and zero obligation to proceed
Insured Transit or Private Intake
Secure IntakeDispatch your piece via prepaid overnight armored courier (such as Brink's or Malca-Amit) with 100% all-risk transit insurance, or schedule a private in-person appointment at an intake facility.
- Prepaid, insured priority overnight shipping label provided
- All-risk transit insurance underwritten by Lloyd's of London
- Tamper-evident serialized packaging and dual-custody intake
In-Vault Testing & Final Appraisal
AuthenticationSpecialist horologists and GIA gemologists conduct non-destructive diagnostic evaluations to verify authenticity, mechanical condition, and metal purity to establish the final binding loan offer.
- Non-destructive XRF spectrometry verifies precious metal purity
- Optical microscopy confirms GIA inscriptions and gem origins
- Witschi timing machines test watch movement amplitude and rate
Agreement & Same-Day Wire Funding
DisbursementReview and digitally sign your plain-language collateral agreement. Our treasury desk initiates immediate same-day federal wire transfer directly into your designated bank account.
- Itemized term sheet with transparent monthly rates and zero hidden fees
- Instant Federal Reserve wire transfer or real-time ACH release
- Item secured inside UL-certified Class 3 depository vault
Flexible Repayment & Insured Return
SettlementRepay your loan principal and accrued charges at any time without prepayment penalties, or renew upon written request. Upon settlement, your item is unsealed and returned via insured armored courier.
- Pay off anytime with prorated interest—zero early exit fees
- Flexible renewal and extension terms available
- Insured, tracked delivery back to your door with signature required
What You Need to Know
What to Submit
Simple IntakeClear Photographs
Front, reverse, hallmarks, serial engravings, and any visible surface marks.
Box, Papers & Certificates (Optional)
Original packaging and GIA grading reports unlock maximum loan-to-value allocations.
Photo Identification at Closing
A valid driver's license or passport strictly for standard AML/KYC closing compliance.
Borrower Safeguards
100% Protected100% Non-Recourse Debt
Your collateral is the sole security. Your personal credit score and other assets are 100% shielded.
Class 3 UL Depository Vaults
Secured inside Brink's or Malca-Amit facilities with 100% Lloyd's of London all-risk insurance.
Surplus Return Guarantee
If collateral is ever liquidated in default, any excess net proceeds above the balance are returned to you.
Frequently Asked Questions
Clear answers regarding timelines, laboratory testing, transit coverage, and non-recourse repayment.
Indicative valuation estimates are delivered within 2 to 4 business hours of digital inquiry. Once your timepiece or jewelry is received at our facility and verified, final loan documents are signed digitally and wire transfer funds are released to your bank account the same business day.
Request a Discreet Written Estimate
Submit your watch or fine jewelry details in under 2 minutes. Receive an indicative valuation within 2 to 4 hours with zero credit footprint.