Lending
Selling is not the only way to raise cash.
An asset you believe in is a poor thing to liquidate for short-term cash. Because we already hold and value it, it can secure credit instead, and stay yours.
1400Borrow against it
Credit against the portfolio, not against you
Eligible assets held in the vault are assessed on value and composition, and a line is offered against that assessment. The collateral does not move; the ownership record simply notes the pledge.
Because the collateral is already in custody and already valued, an advance is an entry rather than an underwriting project.
Available to draw
360,000
60% advance rate
Illustrative
1900Liquidity
Cash before the sale closes
An auction that has not settled is still money you are owed. Qualifying assets can be advanced against before the sale completes, so a seller is not waiting on a settlement cycle to have usable capital.
The advance and its later settlement are two entries against the same position, so at no point is there a number on a screen that the ledger does not agree with.
- Pending sale
- 138,500.00
- Advance available
- 104,000.00
- Settles on
- Auction close
- Balance released
- On settlement
Loan lifecycle
What happens, in order
A loan is not a row that gets edited over time. Each stage is a recorded event, so the position on any past date can be reconstructed rather than inferred.
- 01
Application
A request against a stated position, with the assets identified up front.
- 02
Collateral assessment
Value and composition of the pledged assets are assessed. Concentration matters as much as total value.
- 03
Origination
The line is opened and the advance posts. The pledge is recorded against the custody entry.
- 04
Servicing
Interest accrues and the collateral is revalued as the market moves. Both are entries, not adjustments.
- 05
Repayment
Payments reduce the balance. Each is matched back to the bank on reconciliation.
- 06
Collateral release
The pledge is lifted and the asset returns to freely sellable.
Find out what your collection supports.
Tell us what you hold and we will come back with what it could secure, and on what terms.