How collateral works.

Use case

You hand the watch to us at appraisal. We lend you up to 65% of wholesale FMV. You make monthly interest payments. When you repay principal, the watch is returned.

To start the conversation, email [email protected] with photos and reference details. For a calibrated baseline before that, use the LAL estimator — it'll give you a wholesale-FMV range based on category, value, and target loan amount.

What to send

• 4–6 clear photos of the asset (front, back, sides, condition detail)
• Reference number, date code, or model identifier
• Documentation: papers, certificates, provenance, GIA grading reports
• A brief note about how much you want to borrow and your timeline

Two-hour reply during business hours with a preliminary range. In-person appraisal sets the final number.