For borrowers
From asset to cash, step by step
MarketLoan is designed so the whole process is transparent from the first click to getting your asset back. Here's exactly how it will work.
Start a request with your asset
Tell us what you have and share a few details and photos. There's no application fee and no hard credit pull to get an estimate — the asset does the work, not your credit score.
Insured, independent valuation
A professional, insured valuation partner appraises your asset. Because they're independent of both you and the people funding your loan, the number is an honest read of what your asset is worth — not a number set to profit from a lowball.
Your offer and custody terms, together
You'll see a clear offer based on the valuation, alongside the custody terms. Accepting is a single decision: you agree to the loan and to your asset being held in insured custody for the loan's duration. While your loan is being funded, your asset in insured custody is designed to secure it; a public UCC-1 financing statement — the standard way secured lending is done — is designed to be filed once your loan is funded, so the terms are clear and enforceable on both sides.
Your asset goes into insured custody
Your collateral is shipped, insured in transit, to a professional custody partner and held in insured storage. It doesn't sit in a back room — it's tracked and accounted for the entire time.
Your loan gets funded
On the marketplace, investors fund your loan. You don't deal with them directly — MarketLoan handles the mechanics. Once funded, the money is yours to use.
Repay on a clear schedule
You repay on a straightforward, disclosed schedule. No compounding surprises, no rolling pawn-style renewal fees designed to keep you in debt.
Get your asset back
When your loan is repaid, your asset is returned to you. If a loan isn't repaid, the collateral is sold to cover it — a consequence you'll see clearly disclosed before you ever accept an offer.
What you keep
The whole point is that you don't give up your asset to get liquidity from it. You keep ownership and any future upside, you avoid the tax hit that comes with selling, and — as long as you repay — you get the exact item back. Borrowing against an asset is what wealthy households have quietly done for decades; MarketLoan is being built to make it available to everyone whose wealth is in real things.
Ready when you are
Borrowing isn't open yet. Join the waitlist and we'll reach out as soon as it is.