Terms of Business

1. Our Service

We are a direct asset-backed lender. We provide loans, secured against high-value physical assets, of £61,000 to £2,000,000. The asset is held by us as security (a pawn) for the term of the loan and returned to you on repayment. This is a form of regulated pawnbroking.

2. Eligibility

To borrow from us you must:

• Be aged 18 or over and resident in the United Kingdom
• Be, and certify yourself as, a High Net Worth Individual within the meaning of Article 60H of the Financial Services and Markets Act 2000 (Regulated Activities) Order 2001
• Be the legal owner of the asset, with proof of ownership
• Complete our identity, anti-money-laundering and counter-terrorist-financing checks

Our lending and any related financial promotion are directed only at certified high-net-worth individuals. Reliance on this website by any other person is not intended.

3. Information, Not Advice

The content of this website is provided for general information only. It is not financial, investment, legal or tax advice, and it does not take account of your individual circumstances. You should seek independent professional advice before deciding whether to borrow against an asset.

4. Enquiries and Valuations

Submitting an enquiry or requesting a valuation places you under no obligation, and there is no charge for either. Any indication of value or loan amount given before we have inspected and verified an asset is an estimate only and is not a binding offer. A binding offer is made only in a written loan agreement.

5. The Loan Agreement

If we proceed, the loan is set out in a separate written agreement which will specify the loan amount, interest rate, term, fees (if any) and your rights and obligations. Key features of our standard lending are:

• Loan amounts from £61,000 to £2,000,000
• Loan-to-value typically between 40% and 70% of an asset’s open market value
• Terms from 3 to 12 months; the standard term is 6 months, renewable by agreement
• No early redemption or exit fees after the minimum 3-month term
• No set-up costs and no hidden fees

6. Your Asset

While we hold your asset as security:

• It is stored in a secure, fully insured facility under your name and is not used or moved for any other purpose
• You may inspect it during the loan on giving 48–72 hours’ notice
• You retain ownership and may redeem it at any time after the minimum term by repaying the outstanding balance and accrued interest

7. Non-Repayment

If a loan is not repaid by the end of the agreed term, and an extension has not been agreed, we may sell the asset to recover the amount owed. We will always seek to discuss extension options with you first. Any surplus from a sale, above the outstanding balance and reasonable costs, will be returned to you.

8. Use of This Website

You agree to use this website lawfully and not to misuse it, attempt to gain unauthorised access, or submit false information. We may suspend or withdraw the website, or any part of it, without notice.

9. Intellectual Property

All content on this website, including text, images and branding, is owned by or licensed to us and is protected by intellectual property law. You may not reproduce it without our permission.

10. Limitation of Liability

We take reasonable care to ensure the information on this website is accurate, but we give no warranty that it is complete or error-free. To the extent permitted by law, we are not liable for any loss arising from reliance on website content. Nothing in these terms excludes liability that cannot lawfully be excluded.

11. Privacy

We handle your personal data in accordance with our privacy policy, which forms part of these terms.

12. Complaints

If you are unhappy with our service, please see our complaints policy for how to raise it and how we will respond.

13. Governing Law

These terms are governed by the law of England and Wales, and the courts of England and Wales have exclusive jurisdiction over any dispute arising from them.

14. Changes to These Terms

We may update these terms from time to time. Any changes will be published on this page with a revised “Last updated” date.

15. Contact Us

Questions about these terms? Contact us: