How it works

Five steps. Most loans close in 24 hours.

1. 1. Initial inquiry (5 minutes). Email us at [email protected] with the asset, condition photos, and any documentation. We respond within two hours during business hours with a preliminary range.
2. 2. Appraisal appointment (same day or next). Bring the asset to one of our four California offices — Downtown LA, Santa Monica, Lancaster, or Baldwin Park. Out-of-state clients fly in; for items above $250k we cover round-trip flights.
3. 3. In-person valuation (30–60 minutes). Senior appraiser examines the asset using gemological tools, watch loupes, vehicle inspection equipment as appropriate. We pull current dealer-level wholesale comps from our trading desk and quote against that floor.
4. 4. Term sheet and signing. Plain-language terms — principal, monthly finance charge, three-month term, renewal terms. No credit pull, no income verification, no opaque "evaluation fees." You sign, we count out funds.
5. 5. Funding. Wire, cashier's check, or cash up to legal disclosure thresholds. Most clients walk out funded same day or wire-funded within 24 hours.

What we lend against

Luxury watches (full overview at our watches page), fine jewelry and loose stones, fine art (blue-chip, post-war, contemporary), gold and bullion, collector vehicles, and property and real estate (separate authority — bridge/equity loans, $250K minimum). We do not lend against firearms or business equipment.

Or sell instead

If you'd rather not borrow, we can buy your asset outright at wholesale-dealer levels. Same in-person appraisal, same two-hour quote response. The buy-side option is also available during a loan (if you want a clean exit instead of continuing finance charges) or after a loan you've redeemed (if you've decided to liquidate). Restrictions apply by asset class — email [email protected] for an offer.

Loan terms

Loan terms — interest rate, fees, repayment period, renewal options — are set by the originating licensed lender at appraisal and disclosed in the loan documents you sign. Most loans in our network offer renewable monthly terms (extend by paying the periodic finance charge). Final terms vary by lender and are governed by the law of the state where the loan is originated.