Discover how to secure a loan against luxury watches like Rolex and Patek Philippe with our step-by-step guide.
Secure Collateral Storage: Your Asset Is Safe With Us
When you take a loan with Qollateral, your asset is held in one of the most secure vault facilities in the world: inside the International Gem Tower in the heart of New York City’s Diamond District. Secure collateral storage is always our top priority. For the entire duration of the loan, your luxury item remains completely safe and monitored. Then it comes back to you in identical condition.
Luxury Asset Loan Security, From Intake to Return
Qollateral specializes in secure storage for watch-backed loans, jewelry loans, diamond loans, sports card loans, pokemon card loans, collectible loans and handbag loans. The best way to feel confident handing over a high-value item is to know exactly where it goes and who is responsible for it at every step.
Here is what happens to your loan
collateral from the moment it arrives.
STEP 1
Secure Intake
Your luxury item arrives either in person at our NYC office or via fully insured overnight shipping. For items valued at $100,000 or more, we arrange armored carrier transport at no additional cost.
The International Gem Tower, located within a designated U.S. Foreign Trade Zone (FTZ), features biometric iris-scan entry and secure underground delivery bays. Additional security includes a double-door mantrap entryway to our office suites, as well as 24/7 on-site armed guard personnel and CCTV monitoring (G4S-managed) across the building’s more than 350 high-definition cameras.
STEP 2
Authentication and Condition Documentation
Every asset is photographed in high resolution and documented with a detailed condition report, including serial numbers, reference numbers, and any existing wear or characteristics. This record is completed before your collateral is transferred to the ultra-secure vault, giving you a clear reference point to verify the condition on return.
STEP 3
Transfer to the Vault
Your item is then transferred to Qollateral’s vault, where it remains for the full duration of your loan. Our Underwriters Laboratories (UL) Class 3-rated vault, the top tier of UL’s commercial vault classification, features heavy-duty, fireproof construction. A complete record is maintained throughout your loan term.
Video surveillance is monitored around the clock by DGA Security, a firm founded in 1969 specializing in high-value inventory protection for jewelry businesses and Diamond District operators. Their systems include JamGuard cellular jam detection technology, which identifies and alerts against the radio frequency jamming tactics used in sophisticated commercial robberies. Monitoring centers are UL-listed and FDNY-approved, and hold TMA Five Diamond certification, the highest credential in the alarm monitoring industry.
STEP 4
Return on Repayment
When your loan is repaid, your asset is re-inspected against the original intake documentation before release. It is then available for in-person pickup or returned to you via fully insured shipping, in the same condition it arrived, without exception.
The International Gem Tower
Your asset is stored at 50 West 47th Street, a purpose-built, 34-story facility designed by Skidmore, Owings and Merrill specifically for the global diamond, gem, and jewelry trade. It is not a general office building. It was conceived from the ground up to house the world’s most valuable portable assets. This is what sets International Gem Tower vault storage apart.
The building’s security infrastructure reflects that purpose. It operates with biometric access control including iris-scan technology, 350 surveillance cameras loaded with behavioral-detection software, secure underground delivery bays, G4S guarding services around the clock, and state-of-the-art closed-circuit monitoring throughout. G4S is one of the world’s most recognized security firms, with a client roster that includes the Olympic Games.
The International Gem Tower also holds a U.S. Foreign Trade Zone designation, allowing duty-free import and export of assets within the building, a distinction that speaks to the caliber of transactions it was built to support. Co-tenants include the Gemological Institute of America (GIA), whose laboratory operates on-site, and the Diamond Dealers Club, the private trade association whose members move billions of dollars in diamonds annually. Qollateral’s vault operates within this same security envelope.
The bottom line: your asset doesn’t leave the world’s most secure jewelry environment until it’s back in your hands.
Insurance Coverage During Your Loan
Qollateral’s insurance is underwritten by Lloyd’s of London, one of the oldest and most respected insurance institutions in the world. Founded in 1688 and backed by over £92 billion in syndicate-level assets, Lloyd’s built its reputation on insuring complex, high-value risks that other markets won’t touch. Fine art, rare collectibles, and luxury assets are among their specialties. When you see Lloyd’s as your underwriter, it means your asset is protected by an institution with more than three centuries of claims-paying history behind it.
Collateral safety in asset-based lending starts with coverage that leaves no gaps, and that is exactly what Qollateral provides for the entire loan term with no action required on your part. For out-of-state clients, coverage extends to the shipping process in both directions. In the highly unlikely event of damage or loss, you are protected.
Read more about our insurance coverage
Your Asset Comes Back as It Left
Your watch will not be worn. Your jewelry will not be tried on. Your handbag will not be used. Safe storage for jewelry collateral, and for every other asset category Qollateral accepts, means your item is held untouched until it is back in your hands. The intake documentation exists specifically so you can verify this on return: condition report, photographs, and serial records, matched against the asset in hand.
This is the hallmark of a Qollateral loan.
Privacy and Discretion
Qollateral does not report loan activity to credit bureaus. Your transaction is entirely confidential. We do not share client information with third parties, and every stage of the process, from consultation through return, is handled with complete discretion.
No credit check is run. No financial history is reviewed. Your asset is your credit, and your privacy is protected throughout.
Frequently Asked Questions
Proudly offering the highest value collateral loans to clients in NYC and across the nation
Assets We Accept
Online collateral loans can be secured against a wide range of luxury assets. This includes (but is not limited to):
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Ready to Get Started?
Your asset stays yours. It is held securely, insured fully, and returned in the same condition when your loan is repaid. When you are ready to talk about your options, our team is here to help, with no pressure and no obligation.
Get a loan estimateQollateral accepts luxury watches, fine jewelry, diamonds, sports cards, pokemon cards, collectibles, and designer handbags as collateral. Contact us today for a risk-free appraisal or if you have additional questions about our luxury asset loan security measures.
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