Loan eligibility & accepted assets.
Review accepted luxury watch references, fine jewelry makers, natural diamond criteria, and borrower qualification standards before requesting an estimate.
Borrower Qualification Criteria
Because Vaultmark loans are 100% asset-backed, qualification is centered on clear ownership and asset value rather than your personal balance sheet.
What We Require
Simple UnderwritingLegal Majority Age
Borrowers must be at least 18 years of age (or legal age of majority in your jurisdiction) with valid contractual capacity.
Sole Unencumbered Ownership
You must hold clear, undisputed, and unencumbered legal ownership of the asset without existing commercial liens, financing agreements, or third-party claims.
Government-Issued Photo ID
A valid state driver's license, passport, or national identity document required strictly for federal AML (Anti-Money Laundering) and KYC closing compliance.
What We Never Require
Zero Bureau InquiriesAccepted Asset Categories & Brands
We focus exclusively on high-liquidity luxury assets where verifiable secondary wholesale markets establish fair borrowing capacity.
Luxury Timepieces
Fine Jewelry & Diamonds
Items Not Accepted
To avoid unnecessary shipping and inquiry delays, please review the categories and asset types that do not qualify for Vaultmark collateral loans.
Lab-Grown / Synthetic Diamonds
We strictly do not accept laboratory-grown diamonds, CVD/HPHT synthetics, or moissanite. Because manufactured stones experience rapid secondary market depreciation, they do not qualify as collateral.
Gold-Plated, Vermeil & Costume Jewelry
Items crafted from gold plate, rolled gold, gold-filled alloys, or silver vermeil are not accepted. Collateral must consist of solid precious metals (minimum 14k gold or 950 platinum).
Fashion & Non-Luxury Quartz Watches
Mass-market quartz watches, fashion designer labels, smartwatches, and consumer electronic wearables do not meet our horological underwriting criteria.
Silver & Base Metal Artifacts
Sterling silver hollowware, flatware, and base metal jewelry are outside our lending mandate. We focus strictly on fine gold, platinum, and high-jewelry gemstones.
Replicas, Fakes & Aftermarket Conversions
Any timepiece or jewelry with non-original counterfeit components, aftermarket diamond settings (bust-down watches), or tampered serial numbers is strictly rejected.
Encumbered Assets or Disputed Title
Items subject to active financial liens, disputed estate claims, pending divorce distributions, or retail store financing cannot be pledged.
Condition, Provenance & Coverage
Understand how physical condition impacts valuation and how our nationwide custody network operates.
Condition & Operating Health
Items must be authentic and structurally intact. For timepieces, original mechanical calibers must be operational (honest surface scratches or patina are acceptable; unpolished collector examples command premiums). For jewelry, prongs and gemstone settings must be secure.
Impact of Box, Papers & Certificates
Original boxes, manufacturer warranty cards, and GIA certificates are not strictly required to qualify, but their presence establishes unquestioned provenance and unlocks our highest 80% loan-to-value tier. Uncertified pieces are appraised in-house by our gemologists.
Geographic Eligibility & Transit
We accept inquiries nationwide across all 50 U.S. states. Collateral travels via prepaid, fully insured overnight armored logistics (Brink's or Malca-Amit) or through private in-person appointments in major financial centers. International collections are reviewed on a bespoke basis.
What Happens After Your Inquiry
From inquiry to capital in your account, our streamlined sequence prioritizes speed, confidentiality, and convenience.
Digital Submission
Provide basic photos and reference numbers through our secure estimate form. We review live wholesale comps and issue an indicative written term sheet.
Insured Transit or Drop-Off
Dispatch your item via prepaid overnight armored courier (Brink's or Malca-Amit) with 100% all-risk transit insurance, or schedule a private in-person handover.
Authentication & Same-Day Wire
Our specialists authenticate the piece inside our Class 3 vault. Once you digitally execute the agreement, funds are wired directly to your checking account.
Frequently Asked Questions
Common questions regarding borrower requirements, accepted models, documentation, and exclusions.
Any individual of legal age (18+) who holds sole, unencumbered ownership of eligible luxury timepieces or fine jewelry may apply. Because loans are 100% asset-backed, qualification does not require minimum credit scores, proof of income, tax returns, or employment verification.
Request a Complimentary Loan Estimate
Submit basic specifications of your timepiece or fine jewelry. Receive an indicative valuation within 2 to 4 hours with zero credit footprint.