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How is collateral valued and held in custody?
Collateral is valued by independent, insured professionals — not by the lender and not by the people funding the loan — so the number reflects what the asset is genuinely worth. For the life of the loan, the asset is held in insured custody with a professional partner, tracked and protected, and returned to you when you repay.
How is the value decided?
Valuation is done by independent, insured professionals whose job is an honest read of what your asset is worth. Because they're independent of both you and the people funding your loan, the number isn't set to profit from a lowball — that independence is the point.
Documentation helps: certificates, receipts, service history, and provenance all support the strongest, fastest valuation. The valuation is what your loan offer is based on.
What does 'custody' mean here?
Custody means your asset is held safely by a professional partner for the life of the loan. It's shipped insured, held in insured storage, and tracked the entire time — not left in a back room.
Holding the asset in custody is what keeps the loan secured. When you repay, the exact item is returned to you. If a loan isn't repaid, the collateral is sold to cover it — disclosed clearly before you accept any offer.
Who funds the loan?
Loans on MarketLoan are funded by verified accredited investors. You don't deal with them directly — MarketLoan handles the mechanics, so your experience is simply a valuation, an offer, custody, funding, and repayment.
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