Frequently Asked Questions

Q: What kind of assets does Capetown Capital Lenders accept as collateral for a loan?

A: Capetown Capital Lenders accepts several types of personal assets as collateral for a loan; including, Diamonds, Fine Jewelry, Luxury Watches, Gold & Precious Metals.

Have something else to offer? Capetown Capital Lenders is open-minded and entrepreneurial. We have provided loans on other types of assets as well, from rare coins to high-end designer handbags and valuable artwork. Contact us with the details of your item and we will do everything we can to assist you.

Q: How do you determine the value of my item?

A: Our typical LTV (loan-to-value) ratio is 65% – 75% of the estimated liquid wholesale value of your asset. For example, say you purchased a diamond from a competitively priced retail store for $6,000. The wholesale value would likely be somewhere in the area of $4,500. We would then loan 75% of that value, meaning your loan amount would be approximately $3,375.

Q: Does Capetown Capital Lenders conduct credit checks?

A: No. Capetown Capital Lenders does not conduct credit checks or employment verification. The value and terms of each loan is solely based on the assets you pledge as collateral.

Q: Where will my assets be stored?

A: All assets are stored on site in one of our state-of-the-art, alarm protected, 24-hour security monitored, fireproof vaults. Your items are also fully insured for their full replacement value while in our custody.

Q: What will the monthly payment be on my loan?

A: Your minimum monthly loan payment will consist of interest, security, storage, and insurance fees. This amount will depend on the total amount borrowed as well as the type and value of asset used as collateral, with rates as low as 2.5%. Capetown Capital Lenders prides itself on offerng a varietry of custom tailored loan terms to meet our clients specific needs. We offer the most innovative funding solutions in the luxury asset-based loan industry.

Q: Is there a minimum or maximum loan period?

A: Capetown Capital Lenders offers 30 day loans that can be extended for as many 30 day periods as the client needs. There is no minimum loan period, as our loans can be paid off in full at any time without penalty. What sets us apart from many of our competitors is the option to pay the loan down in increments as opposed to one lump sum payment. Any amount paid each month above the "monthly rate" will go towards reducing the principal balance therefore reducing your minimum monthly payment. This means our clients can take as little or as long as they need to repay the loan. You have the freedom to structure your monthly payments in any way that best fits your needs and financial situation.

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Loan Details & Rates

Capetown Capital Lenders offers the best jewelry-backed loans in the nation. Our plans are flexible with a minimum repayment period of 61 days and a maximum repayment period of 5 years. Our interest rate is 3% per month or 36% APR when clients borrow 30%-50% of the liquid wholesale value of their pledged collateral. For example if you have an asset with a liquid wholesale value of $25,000 and borrow $10,000 the monthly interest rate would be 3%, or $300 a month. If you borrowed the money for 3 months, your total pay back amount would be $10,900. Loans greater than $100,000 can qualify for even lower rates. If you have any more questions please review our FAQ page or give us a call.

Jewelers of America Jewelers Vigilance Committee The National Associate of Watch & Clock Collectors