Loan Terms You Should Know

For some people, getting a jewelry equity loan can be a confusing process. This is because there are many unfamiliar terms. At Capetown Capital Lenders, we strive to explain every step of the loan in the easiest terms possible, so the loan process is extremely simple and clear. Here we’ve gathered some common loan terms and explained them in a very simple way!


Once you fill out Capetown Capital Lender’s free and simple form describing your item, you will receive an initial quote from Capetown Capital Lender’s team of expert jewelers. Then, you get the quote usually within one business day. A quote is the estimated amount you will get in your loan for your jewelry.


Collateral is any high-end jewelry that you have! Collateral is what you use to get your loan. You exchange your jewelry for your loan and once your loan is paid back, we return your collateral.

Upon acceptance of our initial offer,Capetown Capital Lenders will provide you with a pre-paid shipping label to safely send in your collateral for an official evaluation. All of Capetown Capital Lender’s shipments are insured by Jewelers Mutual and Brinks, so you can rest assured that you’re fully covered.

“Official Offer”

An official offer is what you receive once your collateral has been shipped and received by Capetown Capital Lender’s team of experts. This is the actual offer for the final amount you will receive. While a quote is just an estimate and not final at all.

Once your item has been evaluated, we will contact you with our official offer and arrange for an immediate payment via check or wire transfer. Don’t like our offer? No worries! Your item will be shipped back at no cost to you. No risk. No obligation.

Get started today by filling out Capetown Capital Lender’s risk-free jewelry equity loan form, or stop by one of Capetown Capital Lender’s convenient locations.