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Borrowing against your assets, explained
Collateralized lending lets you borrow against something you own instead of selling it. These plain-language guides explain how it works — how an asset is valued and held in custody, what a UCC-1 lien is, how secured loans differ from unsecured ones, and how borrowing against an asset compares to pawning or selling it.
MarketLoan is being built so people whose wealth is in real things — watches, jewelry, vehicles, collectibles — can borrow against them at fair rates. These guides explain the ideas behind that, in plain language, with no jargon left undefined.
Guides
- 01What is collateralized lending?Collateralized lending means borrowing against an asset you own. Learn how it works, why it usually costs less than unsecured borrowing, and what happens if a loan isn't repaid.
- 02What is a UCC-1 lien?A UCC-1 lien is a public notice that records a lender's legal claim on a specific asset used as collateral. Learn what it does, why it's filed, and what it means for you as a borrower.
- 03Secured vs. unsecured loansSecured loans are backed by collateral you own; unsecured loans are backed only by your promise to repay. Learn how that difference affects pricing, approval, and what's at risk.
- 04How is collateral valued and held in custody?Learn how an asset used as collateral is valued by independent, insured professionals and held in insured custody for the life of a loan — and returned to you when you repay.
- 05Pawn shop vs. a collateralized loanA pawn loan and a collateralized loan both use your asset as security, but differ on valuation, custody, and terms. Learn how a collateralized loan is designed to be fairer.
- 06GlossaryPlain-language definitions of the key terms behind collateralized lending.
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