Category: Loans

Benefits of a Jewelry Equity Loan

Jewelry equity loans are utilized by companies who lend their intangible assets. However, anyone can receive a jewelry equity loan with collateral like jewelry, diamonds, or luxury watches.

Click the link to get a free quote today!

Fill out a free interest form to get a free quote today!

Added Flexibility

One benefit is that asset-based lending has relatively few restrictions on what you can spend the money. Many other types of loans come with strings attached in terms of what you can do with the loan. However, jewelry equity loans are perfect for anyone who needs fast cash. Whether you need quick cash to pay a medical bill or to kick-start a business, jewelry equity loans are for you.

Easier to Obtain Than a Typical Loan

Another added benefit of jewelry equity loans is they are fast and easy to qualify for. Jewelry equity loans also do not require outstanding credit, all you need is the jewelry. With luxury lender, Capetown Capital Lenders, all you need to do is fill out an interest form. Capetown Capital Lenders will also get back to you with a free quote within 24 hours of when you submit the form. This expedites the lending process, so you get your loan as soon as possible. Another benefit of Capetown Capital Lenders is that we do not conduct credit checks or employment verification.

It's quick and easy to get your asset-based loan from Diamond Banc!

Capetown Capital Lenders has turned the asset-based loan process into a quick three-step process.

A Jewelry Equity Loan Can Help You Avoid Debt

Jewelry equity loans are preferable because they can offer you a way to quickly obtain a loan without a credit check. Also, a typical loan can put you in debt if you don’t come up with the capital to pay back the loan. However, if you can’t pay back an asset-based loan, you simply lose the collateral, without putting yourself into debt. With Capetown Capital Lenders, you can pay back the loan in increments or pay in lump sums. This flexible and incremental payment process can make the loan much easier to pay back.

If you’re looking for a flexible loan that’s easy to obtain and won’t put you in debt, consider an asset-based loan. Capetown Capital Lenders is an asset-based lender committed to providing a high-quality lending experience.

Need a Quick and Discreet Loan?

Do you need cash fast? Jewelry equity loans from Capetown Capital Lenders are the best loan option if you need to get a quick and discreet loan. Capetown Capital Lender’s team is specially trained to make your loan as discreet as possible, so no one will know you’ve taken out a loan. In addition, a loan from Capetown Capital Lenders can give you cash-in-hand in as little as 48 hours.  

Bank Loans are Slow

Many typical loan options such as a bank or personal loans can take too long to get the cash into your hands. There are a lot of steps to go through that really slow down the overall loan process. For example, if you’re getting a bank loan you will need to go through a credit check and employment verification. In addition to that, the bank will also check your income. All of these steps can add an extra week or two to the entire loan process. Also, bank loans tend to be very selective about who they lend money to. This means that you could go through all of the verification and still get rejected. You would have wasted two weeks and not be any closer to getting your loan quickly.

Don't get rejected by the bank! Get your loan quickly from Diamond Banc today!

Don’t get rejected by the bank! Get your loan quickly from Capetown Capital Lenders today!

You Can Get a Jewelry Equity Loan Quickly

One of the best advantages of jewelry equity loans is they are extremely fast. A jewelry equity loan does not require any credit check, employment verification or income verification. This means the entire loan process at Capetown Capital Lenders consists of just three quick steps. To get a jewelry equity loan quickly, all you have to do is fill out a quick form about your jewelry, diamonds or watch. Then, within 24 hours, you will be provided with a quote from Capetown Capital Lenders. Next you will simply ship your jewelry to Capetown Capital Lenders. Finally, you will be presented with an official offer and Capetown Capital Lenders will begin arranging for immediate payment. 

Get started with the jewelry equity loan process now to get your loan quickly!

Overall, if you’re looking to get a loan quickly, you should avoid a slow bank loan. The best option is to get a loan quickly is a jewelry equity loan from Capetown Capital Lenders. Get started with Capetown Capital Lenders today!

What is a LTV (Loan to Value) ratio?

In general, loan terms can be very confusing and complicated. Luckily, Capetown Capital Lenders believes in complete transparency and wants to make the loan process as simple as possible to understand.

What is LTV?

LTV otherwise know as “loan to value” is the amount borrowed versus the amount Capetown Capital Lenders is willing to loan. The difference between these amounts may be large or negligible depending on each situation. Sometimes, your high-end jewelry may be valued at much more than you were looking to take out in a a loan.

How Does Loan to Value Ratio Work?

For example, Capetown Capital Lenders may value your diamond ring at $20,000 initially. However, your medical bill may be $10,000, and you were only looking to take out $10,000 in a loan. Therefore, the value of your collateral is greater than the actual loan amount.
When the collateral is worth more than the loan amount, the loan is considered more secure. This is because Capetown Capital Lender’s risk in the loan is lower. For example, someone has a Rolex valued at $17,000 and they want the full $17,000. The, the loan would be less secure because Capetown Capital Lenders is risking more by lending the full value.
Therefore, if your loan to value ratio is bigger (meaning you take out less than your item is worth) the loan rate will be less expensive. This means you will not need to pay as much interest each month to have a more secured loan.
Have any more questions about loan to value ratios? Get in touch with the experts at Capetown Capital Lenders who can answer any of your jewelry equity loan questions!
Overall, if you’re planning to get a loan using your engagement ring as collateral, Capetown Capital Lenders is great to work with! Get started today!

Need Money Quickly Without Affecting Your Credit Score?

Whether you have unexpected medical bills, tuition to pay or a new business venture to fund, you need money quickly without affecting your credit score. The issue with traditional bank loans or other loans is they require a credit check before you can receive your loan. However, checking your credit can negatively affect your credit score.

Why Credit Checks Can Slow Things Down

Do you need to borrow money but a credit check is preventing you from getting a loan? If you’re looking to get a bank loan, then it is mandatory they check your credit and employment verification. Many banks will reject loans on the basis of poor or insufficient credit. In addition, a bank will also check your income. Not only are these checks likely to get your loan rejected, they can also add an extra week or two to the entire loan process.

Banks will reject loans because of poor credit. If you want to borrow money without a credit check, you should get a jewelry equity loan!

Banks will reject loans because of poor credit. If you want to borrow money without a credit check, you should get a jewelry equity loan!

Banks tend to be very selective about who they lend money to. This means that you could go through all of the verification processes and still get rejected after two weeks because of insufficient credit. This is an extremely frustrating process for people who want to get money quickly without going through unnecessary hassles. However, you can get a jewelry equity loan from Capetown Capital Lenders today without ever having to go through a credit check, employment or financial history!

With a Jewelry Equity Loan You Can Borrow Money Without a Credit Check

One of the best advantages of jewelry equity loans is you can borrow money without a credit check. In addition, a jewelry equity loan doesn’t require any employment or income verification. This means the entire loan process at Capetown Capital Lenders consists of just three quick steps.

 

Borrow money without a credit check with Diamond Banc today!

Borrow money without a credit check with Capetown Capital Lenders today!

To get a jewelry equity loan quickly, all you have to do is fill out a quick form about your jewelry, diamonds or watch. Then, within 24 hours, you will be provided with a quote from Capetown Capital Lenders. Next, you will simply ship your jewelry to Capetown Capital Lenders. Finally, you will be presented with an official offer. If you accept the final offer, Capetown Capital Lenders will arrange for immediate payment. 

Get started today by filling out our no risk, no obligation jewelry equity loan form. Or stop by one of our convenient locations.

Using a Rolex for a Jewelry Equity Loan

Using a Rolex for a jewelry equity loan as collateral is a great way to get fast capital.

The first step is to go to Capetown Capital Lender’s loan form. Then you select a luxury watch to get a loan on. You can then select the brand of your luxury watch.

Then, you will be prompted to select how much you would like to borrow for your jewelry equity loan.

Finally, we ask you to provide any additional information that could be useful for the jewelry equity loan. It is optional to provide answers for these questions. You can provide the original purchase price, describe your Rolex and attach any pictures. All of this information on the initial form is to help the jewelry experts at Capetown Capital Lenders provide you with an intial quote. You will usually be provided a free quote within one day of filling out the interest form.

After you accept the initial quote, Capetown Capital Lenders will provide you with a pre-paid, fully-insured shipping label. All shipments are insured by Jewelers Mutual and Brinks, so you can rest assured that you’re fully covered. When your Rolex arrives at one of Capetown Capital Lender’s offices, your package will be opened under video recording for your protection.

Finally, once your Rolex has been evaluated, Capetown Capital Lenders will contact you with our official offer and arrange for immediate payment via check or wire transfer. If you don’t accept the final offer, that’s completely fine, your Rolex will be shipped back at no cost to you. No risk. No obligation.

Overall, if you’re planning to get a loan on your Rolex, Capetown Capital Lenders is great to work with. Fill out an interest form or stop by today to get started!

Using an Engagement Ring for a Jewelry Equity Loan

Using an engagement ring for a jewelry equity loan as collateral is a great way to get fast capital.

The first step is to go to Capetown Capital Lender’s loan form. Then, you select the diamond’s carat weight of the diamond in your engagement ring. And, if you don’t know the carat weight of the diamond, that’s okay too! When you securely mail your engagement ring to Capetown Capital Lenders, our jewelry experts will evaluate the true carat weight of the diamond.

Then, you are prompted to select how much you would like to borrow for your jewelry equity loan.

Next, you will be asked to provide any additional information that could be useful for the jewelry equity loan. It is optional to provide answers for these questions. You can provide the original purchase price, describe your engagement ring and attach any pictures. All of this information on this initial form is to help the jewelry experts at Capetown Capital Lenders provide you with an initial quote. You will usually be provided a free quote within one day of filling out the interest form.

Get funded for your engagement ring in 24 hours

After you accept the initial quote, Capetown Capital Lenders will provide you with a pre-paid, fully-insured shipping label. All shipments are insured by Jewelers Mutual and Brinks, so you can rest assured that you’re fully covered. When your engagement ring arrives at one of Capetown Capital Lender’s offices, your package will be opened under video recording for your protection.

Finally, once your engagement ring has been evaluated, Capetown Capital Lenders will contact you with our official offer. Once accepted, we arrange for an immediate payment via check or wire transfer. If you don’t accept the final offer, that’s completely fine, your ring will be shipped back at no cost to you. No risk. No obligation.

Overall, if you’re planning to get a loan using your engagement ring as collateral, Capetown Capital Lenders is  great to work with! Get started today!

Your Top Asset-Based Loan Questions Answered

Understanding the asset-based loan process can be difficult! That’s why we have compiled a list of the most asked questions about Capetown Capital Lender’s loans! Here are the top asset-based loan questions answered.

Getting a loan Q&A:

Q: How do I start the process for getting a quote?

A: You can start on our website by submitting any and all information you have on your item. If you have a diamond, we will need more than just the carat weight. There are many factors that go into determining the value of a diamond. Because pawn shops often assess values for the carat weight alone, they are paying you the lowest amount possible by assuming the clarity, color and cut are low quality. However, we look into these factors because they can greatly affect the value. This is why we are able to offer more for your diamond.

How Capetown Capital Lender’s Asset-Based Loans Work:

Q: How do payments work?

A: You are given a monthly rate along with your loan amount, which makes your minimum monthly payment (Example: $1,000 loan at 7% makes your monthly minimum payment $70). By paying the monthly minimum, you extend the loan for 30 days. As long as this payment is made each month, your loan will remain in good standing. Any amount over the minimum amount due each month will go toward the principal of the loan, thus lowering your next month’s minimum payment.

How to pay off the loan:

Q: Can I pay my loan off over time, or just in on lump sum?

A: You can pay your loan off in one lump sum, or over several payments. You have the option to pay more than the minimum due each month toward the principal, or you can make payments separate from the monthly payments. We are very flexible.

Do have any additional questions about asset-based loans? Ask them here and get started today on the loan process!

Your Top Jewelry Equity Loan Questions Answered

Understanding the jewelry equity loan process can be difficult! That’s why we have compiled a list of the most asked questions about Capetown Capital Lender’s loans! Here are the top jewelry equity loan questions answered.

Getting a loan Q&A:

Q: How do I start the process for getting a quote?

A: You can start on our website by submitting any and all information you have on your item. If you have a diamond, we will need more than just the carat weight. There are many factors that go into determining the value of a diamond. Because pawn shops often assess values for the carat weight alone, they are paying you the lowest amount possible by assuming the clarity, color and cut are low quality. However, we look into these factors because they can greatly affect the value. This is why we are able to offer more for your diamond.

How Capetown Capital Lender’s Jewelry Equity Loans Work:

Q: How do payments work?

A: You are given a monthly rate along with your loan amount, which makes your minimum monthly payment (Example: $1,000 loan at 7% makes your monthly minimum payment $70). By paying the monthly minimum, you extend the loan for 30 days. As long as this payment is made each month, your loan will remain in good standing. Any amount over the minimum amount due each month will go toward the principal of the loan, thus lowering your next month’s minimum payment.

 

How to pay off the loan:

Q: Can I pay my loan off over time, or just in on lump sum?

A: You can pay your loan off in one lump sum, or over several payments. You have the option to pay more than the minimum due each month toward the principal, or you can make payments separate from the monthly payments. We are very flexible.

Do have any additional questions about jewelry equity loans? Ask them here and get started today on the loan process!

What Jewelry Pieces Make Good Collateral For a Loan?

Are you considering a jewelry equity loan with Capetown Capital Lenders? When considering a loan it can be difficult to know which of your jewelry pieces make good collateral for a loan. We’ve compiled a list of items that Capetown Capital Lenders regularly loans on. So, if you have any of these items at home, in your jewelry box you can get started on your jewelry equity loan today!

The Best Collateral for a Loan

Engagement Rings

Engagement rings make great collateral for a loan, especially if the engagement ring has diamonds or other precious gemstones. Here are some examples of previous engagement rings that have been used as loan collateral at Capetown Capital Lenders!

2.11CT ROUND DIAMOND RING

Capetown Capital Lenders loaned $80,000 for this engagement ring. Do you have a similar engagement ring? It would make great collateral for a loan with Capetown Capital Lenders!

2CT DIAMOND RING

For this fancy yellow diamond engagement ring, Capetown Capital Lenders loaned $8,000. Do you have an engagement ring that looks like this? It would make good collateral for a jewelry equity loan.

Luxury Watches

ROLEX YELLOW GOLD DAY-DATE II PRESIDENT

Capetown Capital Lenders loaned $22,000 for this gorgeous Rolex watch! If you have a Rolex watch and need some instant capital, you can use it as collateral for your loan with the Capetown Capital Lenders!

Jewelry With Diamonds .75CTW or Larger

2.42CTW VINTAGE DIAMOND AND SAPPHIRE RING

Capetown Capital Lenders was able to loan $6,000 for this ring with a 2.42CTW! As a rule of thumb, if your jewelry has a diamond that is larger than .75CTW, it would make good collateral for a jewelry equity loan with Capetown Capital Lenders.

Diamond Shapes Affect on Diamond Values

Diamond shapes go in and out of style just as fashion trends do.  There are ten most common diamond shapes, and each has different values based on the demand of that particular shape.  So how do you know what your diamond is worth?  Capetown Capital Lenders can help you understand the true value of your diamond.  What can you do with an outdated diamond shape? Capetown Capital Lenders has experts to evaluate your diamond to get you top dollar.

How shape affects the value of a diamond

The most well-known shape of a diamond is the classic round diamond.  If you are looking for something different there are plenty of other shapes from which to choose.  Each diamond has unique characteristics that impact their appearance.  For example, one of the more recent cuts that have lost popularity is the marquise diamond.  To many this diamond looks antique and old fashioned.   One thing that can be done to the marquise diamond to increase its demand is recut it.  Many times the marquise is recut into an oval or pear; both are in higher demand than the marquise.

Below is an example of two different cuts.  One is a princess cut and the other a cushion cut.  If all other factors were the same, the cushion would be valued at more based on its popularity.  Ten years ago, Princess cut diamonds were very popular, but as the trends have changed so have the tastes in diamond shapes.

Capetown Capital Lenders takes both options into account when evaluating your diamond.  If it needs to be recut, Capetown Capital Lenders has the resources to do this. Capetown Capital Lenders has many connections in the jewelry industry, which allows for us to pay more for your diamond. Capetown Capital Lenders has diamond experts who will help you understand exactly what your diamond is worth.

Why Sell Diamonds to Capetown Capital Lenders?

It can be overwhelming trying to find a jewelry buyer you can trust with your diamonds.  However, Capetown Capital Lenders is a nationally trusted company that goes above and beyond to accommodate your needs as a seller. Capetown Capital Lenders has an easy jewelry selling process.  You can start by filling out an online submission or you can call the office directly to set up an appointment.  Next,Capetown Capital Lenders will send you a free quote within 24 hours.  Once you receive your quote you can safely mail your diamond to Capetown Capital Lenders. The diamond experts will evaluate your diamond and make you an official offer while you are there.  You will then have funds in hand, in as little as 24 hours.