How it works.

1 — Email us photos

Send 4–6 clear photos of your asset to [email protected]. Reference number, date code, condition notes, and any documentation (box, papers, certificates, GIA reports). For watches, include movement and case-back photos if possible.

2 — Get a preliminary range

Within two hours during business hours, we reply with a loan range based on the photos and current market data. This is preliminary — the final number is set at in-person appraisal.

3 — Schedule appraisal

For loans up to $500K, we appraise at our Santa Monica flagship or our Downtown LA satellite. For $500K+, we'll come to you (or fly you in — see travel program).

4 — Final terms and signing

At appraisal, we confirm the loan amount, term (30–120 days, renewable), and rate. Sign the pawn ticket. Asset goes into the vault.

5 — Funded

Funds wire to your account within 24 hours of signing. For gold, it's same-day. For most luxury watches, it's next morning.

Why borrow against your asset?

Three reasons clients choose collateral lending over selling:

• You keep the asset. When you repay principal plus interest, the asset returns to you.
• No credit pull. Your credit report isn't touched. No income verification. No paperwork beyond the asset.
• Speed. 24-hour funding. A bank loan takes 30 days; an asset-backed loan closes in a day.