MarketLoan

For borrowers

Your assets are worth more than a pawn ticket

You shouldn't have to sell what you own — or pay unsecured rates — to get liquidity. MarketLoan is building a way to borrow against the real assets you already have, at rates that reflect the fact that your loan is actually secured.

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MarketLoan is in development and not yet available. Borrowing is secured by your collateral and subject to independent valuation and required state lending licenses; if a loan is not repaid, the pledged asset is sold to cover it. Nothing here is an offer of a loan or a security.

  • Insured custodyYour asset held in insured storage for the life of the loan
  • A public UCC-1 filingThe standard record of the secured claim, designed to be filed when your loan is funded
  • Insured valuationIndependent professional appraisal — not a lowball
  • Keep ownershipYour asset comes back when you repay

Why borrow this way

Keep ownership

No sale means no lost upside and no capital-gains bill from selling something you'd rather keep.

Real valuations

Independent, insured professionals value your asset — not a lowball counter across a pawn counter.

Secured pricing

Collateral removes the risk premium that makes unsecured personal loans and cards so expensive.

Clear terms

One offer, one custody agreement, one schedule. No rolling fees, no moving goalposts.

How borrowing will work

  1. 1

    Tell us about your asset

    Watches, jewelry, vehicles, collectibles — anything with durable, verifiable value.

  2. 2

    Get an insured professional valuation

    Independent valuation partners appraise your asset. The valuation becomes the basis for your offer.

  3. 3

    Accept your offer and custody terms

    Your asset is stored with an insured custody partner for the life of the loan — and returned when you repay.

  4. 4

    Receive your funds and repay on schedule

    Keep your asset's upside. Repay on a clear schedule and get it back at the end.

Walk through the full process
  1. 01

    Insured valuation

    An independent appraiser values the asset — with insured valuation — before any amount is set.

    What this means

    Every loan starts with the collateral, not a credit score: a professional third-party appraisal, carrying insurance, establishes what the asset is worth.

  2. 02

    Insured custody

    The asset moves into professional insured custody. You keep ownership, not possession.

    What this means

    For the life of the loan the pledged asset is held in insured custody. You retain ownership of your asset; you don't keep possession of it while it secures the loan.

  3. 03

    Perfected security interest

    The security interest is designed to be perfected by the collateral agent's possession of the custodied collateral through the funding window.

    What this means

    A UCC-1 is the public financing statement that records a security interest. Here, the collateral agent's possession of the vaulted asset is designed to perfect the interest through the funding window; the per-series UCC-1 is designed to follow at series close — in the collateral agent's name, for the series noteholders.

  4. 04

    Escrow

    Funds move through a fintech-grade escrow bank — never wallet-to-wallet.

    What this means

    Money is handled by a fintech-grade escrow bank, with the security interest held by an independent bank collateral agent for the benefit of the series noteholders — never directly between borrower and investor.

  5. 05

    Servicing

    Scheduled payments are boarded and tracked on a dedicated loan-management system.

    What this means

    Payments are boarded onto a dedicated loan-management system that tracks the schedule and status of the loan over its term.

  6. 06

    Commercially reasonable sale

    On default: a standing alert, as the loan grows large against the collateral's value, serves as the cure; if it passes the set limit, an automatic, objective trigger is designed to begin a commercially reasonable sale, with any surplus returned.

    What this means

    The collateral's value is monitored against a per-class limit for the life of the loan. A persistent alert as the loan nears that limit is designed to serve as the cure — there is no separate demand and no fixed cure period. If the limit is passed, an automatic, objective trigger begins the process — not an instant sale: a formal disposition governed by UCC Article 9 runs, the collateral is sold in a commercially reasonable manner, the series noteholders are paid first, and any surplus after amounts owed is returned to the borrower. The loans are non-recourse. This is the objective covenant, a design still subject to counsel review — never automatic seizure.

The mechanism, on the record

Your loan is designed to be secured by your asset, held in professional custody while it's being funded.

A UCC-1 financing statement — the public record of that secured claim, and the standard way secured lending is done — is designed to be filed once your loan is funded.

MarketLoan structure blueprint v1.2 · as of 2026-07-12

Collateral is held by a professional custody partner in insured storage for the life of the loan.

Insured in transit both ways, tracked the entire time, and returned when the loan is repaid.

MarketLoan structure blueprint v1.2 · as of 2026-07-04

Valuation is performed by independent, insured professionals before any offer exists.

Independent of both the borrower and the people funding the loan.

MarketLoan structure blueprint v1.2 · as of 2026-07-04

What you can borrow against

MarketLoan is being built for assets that hold real, verifiable value over time.

WatchRepresentative — illustrative · not an actual loan
Fine jewelryRepresentative — illustrative · not an actual loan
VehicleRepresentative — illustrative · not an actual loan
CollectibleRepresentative — illustrative · not an actual loan
See what qualifies and how it's valued

Built around your collateral — and your safeguards

Insured, independent valuation

Your asset is valued by insured professionals before any offer exists — so the number is fair to you.

Insured custody

Collateral is held by professional custody partners in insured storage for the life of the loan.

Your asset comes back

Repay your loan and your asset is returned to you. It was always yours — you just borrowed against it.

Compare with selling, pawn, and personal loansRead borrower FAQ
Minimal arched interior in blush stone with a dark sofa and dried grasses
Editorial study in stone and ink — the register the platform is built in.Licensed via Unsplash

Get notified when borrowing opens

MarketLoan is pre-launch. Join the waitlist and we'll let you know the moment you can borrow against your assets.

Product updates only. No offer, no commitment, unsubscribe anytime.

Prefer to talk it through?Schedule a call with the founder