LOANS AGAINST JEWELLERY
We offer short term loans on jewellery with competitive interest rates. No credit checks or impact on affordability. Loans for jewellery available up to £2 million with terms from 3 to 24 months.
BRIDGE LOANS
Use your jewellery as security for a loan. This prevents you from having to sell your jewellery as it is returned to you once the loan is repaid. This offers an alternative to a traditional bank loan or property bridging loan.
SALE ADVANCE LOANS
Sell your jewellery and receive funds immediately rather than waiting for the sale to take place. Our experts work with you to find the best sales channel to sell your luxury asset and you receive a large proportion of the auction reserve price immediately.
ACQUISITION LOANS
Take advantage of jewellery investment opportunities when they arise. You can bid at auction, settle the purchase with our loan and then take possession of the asset at a later date.
OUR PROCESS
We can come to you or you can come to us.
As a luxury asset lender, we offer loans against luxury jewellery with loans ranging from £20,000 to £2 million. Our jewellery experts will assess your pieces considering their condition and provenance. We offer loans against many types of jewellery, such as rings, necklaces and earrings. We often value brands including Tiffany, Cartier and De Beers. In order to make a valuation, we consider the following:
- 4Cs of Diamond Quality – We will assess gemstones, such as diamonds, according to the 4Cs; cut, colour, clarity and carat weight.
- Brand – A highly sought after brand may impact our valuation of your jewellery.
- Condition – We will assess the condition of your jewellery, including the setting and clasps as required.
- Provenance – Supplying all original boxing and sale paperwork connected with the item support your valuation.
Your jewellery will be well-cared for when with Suros Capital for valuation. Our in-house logistics team will arrange the collection, which will either be by our own team or our secure courier partner. We also welcome valuation by appointment and invite our clients to visit us and bring their luxury asset with them.
All appraisals are carried out under CCTV with assets valued by one of our specialists. We will record the valuation by photograph. If you decide to accept the loan secured against your jewellery, your assets are securely held in storage for the loan period duration.
As experts in luxury asset loans, the care and storage conditions are critical to us. We handle your assets with care at all times, from the point of valuation to storage, if you decide to accept our loan offer. Our expert team carefully assess the jewellery and place them securely in protective boxes and pouches for the whole loan period. When the loan period ends, your jewellery will be returned to you in the same condition as it arrived with us.
CONTACT US
Our Business Development team is available to help with your enquiries.
WHY US
A solution to your short term liquidity challenges.
FAST
We provide loan funding in as little as 1-3 days from application.
CONFIDENTIAL
We maintain the highest ethical standards and utmost client discretion.
FAST
We provide loan funding in
as little as 1-3 days from application.
CONFIDENTIAL
We maintain the highest ethical standards and utmost client discretion.
EXPERT
The group we are part of has lent over £300 million against luxury assets since 2010.
FLEXIBLE
We provide clients with a personal service and tailor loan terms around their needs.
EXPERT
The group we are part of has lent over £300 million against luxury assets since 2010.
FLEXIBLE
We provide clients with a personal service and tailor loan terms around their needs.
LOANS ON DIAMONDS
Borrowing against jewellery offers collectors, investors, and owners a solution to overcome short term liquidity challenges. With decades of expertise in jewellery finance, our team is equipped to provide tailored solutions. Whether you need a loan for a diamond ring or a collection of jewellery, we can assist. Backed by Crestline Investors, Inc., we have provided over £300 million in loans secured against luxury assets since 2010.
Ray Palmer
Director
LOANS ON DIAMONDS
Trusted jewellery lenders.
Borrowing against jewellery offers collectors, investors, and owners a solution to overcome short term liquidity challenges. With decades of expertise in jewellery finance, our team is equipped to provide tailored solutions. Whether you need a loan for a diamond ring or a collection of jewellery, we can assist. Backed by Crestline Investors, Inc., we have provided over £300 million in loans secured against luxury assets since 2010.
Ray Palmer
Director
FRequently asked questions
Your questions answered.
FRequently asked questions
Your questions answered.
How quickly can I get a loan on diamonds?
We offer fast diamond jewellery loans, often completing the process within 72 hours. In some cases, we can finalise the loan within a couple of hours, provided we see the diamonds in person. The timeline ultimately depends on how quickly you provide the necessary information, such as paperwork, certificates, and photos, and whether you visit our London office for an appointment or choose to use our courier collection service.
How does borrowing money against jewellery work?
Borrowing against jewellery is a simple process:
1. Jewellery Valuation
Start by providing details of your jewellery online, and our valuations team will assess its value remotely. Alternatively, you can book an appointment with us in London to bring your jewellery for an in-person appraisal.
2. Loan Offer
Based on the auction-based valuation, we’ll provide you with a preliminary loan offer, typically ranging from 50% to 70% of the valuation. We’ll discuss the loan terms, including repayment schedule, interest rates, and other details.
3. Receive Funds
Once you accept the loan offer and sign the agreement, the funds are provided, and you retain ownership of your jewellery throughout the loan term, though we take possession for the duration. Your jewellery is returned to you in the same or better condition once the loan is repaid.
Do you offer loans on gold jewellery?
We offer loans against all types of jewellery and jewellery brands, from solid gold rings and bracelets to pocket watches and brooches. In addition to loans on gold jewellery, we also offer loans secured against platinum jewellery and gemstones. Our experts will assess your asset and offer you a valuation.
Could this be an alternative to a bank loan for a jewellery business?
Our loans enable a jewellery business to release the value held within their products and leverage it as financing for their business. A short-term loan from us can cut out lengthy lead times associated with traditional bank loans. Liquidity issues may be alleviated with short term loans against jewellery.
Where can I loan on my jewellery?
We offer short terms loans secured against luxury jewellery assets for those seeking jewellery loans near me. London-based, we also offer valuations anywhere in the UK and sometimes worldwide. We can arrange for the collection of assets and clients are also welcome to bring assets in for valuation by appointment.
Can you use jewellery as collateral for a loan?
Yes, you can loan against jewellery. We accept luxury pieces from brands like Cartier, Tiffany, and Van Cleef & Arpels, as well as other high value diamond or gold jewellery. This could include anything from a diamond ring to Cartier earrings or a Van Cleef & Arpels necklace. Our loans on jewellery offer a fast and flexible way to unlock liquidity while retaining ownership of your luxury valuables.
Can you get a loan for an engagement ring?
Yes, you can get a loan for an engagement ring. We understand how important these pieces are, and our bridge loan offers an alternative to a bank loan for an engagement ring, allowing you to unlock the value of your ring without parting with something so meaningful permanently.
What is a jewellery loan interest rate?
Jewellery loan interest rates typically range from 2% to 8% per month, depending on the lender and loan amount. Generally, the more the client borrows against jewellery, the lower the interest rate. However, interest rates are just one factor to consider when taking out a jewellery loan. Loan amounts can vary, as some lenders may value your jewellery higher and offer better LTV (loan-to-value) ratios. Additionally, while some companies only offer six month loan agreements, others provide more flexible agreements ranging from 3 to 24 months.
How much will it cost?
Terms
All our loans are for 3 to 24 months. Maximum APR (including all fees) is 66.6%.
Representative Example
Loan amount of £100,000. Admin fee of 3%. Loan term of 6 months. Interest rate of 3% per month. 3 months paid interest upfront of £9,000. Net advance of £88,000. Total interest of £18,000 over 6 months. Representative APR is 54.4% (including all fees).
How quickly can I get a loan on diamonds?
We offer fast diamond jewellery loans, often completing the process within 72 hours. In some cases, we can finalise the loan within a couple of hours, provided we see the diamonds in person. The timeline ultimately depends on how quickly you provide the necessary information, such as paperwork, certificates, and photos, and whether you visit our London office for an appointment or choose to use our courier collection service.
How does borrowing money against jewellery work?
Borrowing against jewellery is a simple process:
1. Jewellery Valuation
Start by providing details of your jewellery online, and our valuations team will assess its value remotely. Alternatively, you can book an appointment with us in London to bring your jewellery for an in-person appraisal.
2. Loan Offer
Based on the auction-based valuation, we’ll provide you with a preliminary loan offer, typically ranging from 50% to 70% of the valuation. We’ll discuss the loan terms, including repayment schedule, interest rates, and other details.
3. Receive Funds
Once you accept the loan offer and sign the agreement, the funds are provided, and you retain ownership of your jewellery throughout the loan term, though we take possession for the duration. Your jewellery is returned to you in the same or better condition once the loan is repaid.
Do you offer loans on gold jewellery?
We offer loans against all types of jewellery and jewellery brands, from solid gold rings and bracelets to pocket watches and brooches. In addition to loans on gold jewellery, we also offer loans secured against platinum jewellery and gemstones. Our experts will assess your asset and offer you a valuation.
Could this be an alternative to a bank loan for a jewellery business?
Our loans enable a jewellery business to release the value held within their products and leverage it as financing for their business. A short-term loan from us can cut out lengthy lead times associated with traditional bank loans. Liquidity issues may be alleviated with short term loans against jewellery.
Where can I loan on my jewellery?
We offer short terms loans secured against luxury jewellery assets for those seeking jewellery loans near me. London-based, we also offer valuations anywhere in the UK and sometimes worldwide. We can arrange for the collection of assets and clients are also welcome to bring assets in for valuation by appointment.
Can you use jewellery as collateral for a loan?
Yes, you can loan against jewellery. We accept luxury pieces from brands like Cartier, Tiffany, and Van Cleef & Arpels, as well as other high value diamond or gold jewellery. This could include anything from a diamond ring to Cartier earrings or a Van Cleef & Arpels necklace. Our loans on jewellery offer a fast and flexible way to unlock liquidity while retaining ownership of your luxury valuables.
Can you get a loan for an engagement ring?
Yes, you can get a loan for an engagement ring. We understand how important these pieces are, and our bridge loan offers an alternative to a bank loan for an engagement ring, allowing you to unlock the value of your ring without parting with something so meaningful permanently.
What is a jewellery loan interest rate?
Jewellery loan interest rates typically range from 2% to 8% per month, depending on the lender and loan amount. Generally, the more the client borrows against jewellery, the lower the interest rate. However, interest rates are just one factor to consider when taking out a jewellery loan. Loan amounts can vary, as some lenders may value your jewellery higher and offer better LTV (loan-to-value) ratios. Additionally, while some companies only offer six month loan agreements, others provide more flexible agreements ranging from 3 to 24 months.
How much will it cost?
Terms
All our loans are for 3 to 24 months. Maximum APR (including all fees) is 66.6%.
Representative Example
Loan amount of £100,000. Admin fee of 3%. Loan term of 6 months. Interest rate of 3% per month. 3 months paid interest upfront of £9,000. Net advance of £88,000. Total interest of £18,000 over 6 months. Representative APR is 54.4% (including all fees).
Call us today on 0800 038 5974
.CASE STUDIES
Examples of how we have supported clients.
Aston Martin Used to Solve Liquidity Challenge
Our bridge short-term loan helped this client keep their vintage Aston Martin DB6 car.
Fine Wine Used to Fund a Business Opportunity
Our bridge loan allowed this entrepreneur to purchase a new business.
Watch Collection Used to Cover a SME Tax Bill
Our bridge loan helped this client pay his tax bill on time and avoid severe penalties.
We Helped This Collector Acquire Antiques at Auction
Our auction acquisition loan funded this luxury asset purchase while waiting on funds from another sale.
Financing an Art Gallery Owner’s Stock Purchase
The client was keen to buy new works and needed to move quickly to secure them, required a short term loan to make the purchase.
Jewellery Used to Complete Property Transaction
Our bridge loan helped this client complete the purchase of a new property after the lender reduced the original mortgage amount.
We are a specialist lending company providing loans secured against luxury assets. The group we are part of has lent over £300 million against luxury assets since 2010, and we are funded by Crestline Investors, Inc.(‘Crestline’), an institutional alternative asset manager.
© 2025 Suros Capital – all rights reserved. Suros Capital is a trading name of Hopkins & Jones Limited who are authorised and regulated by the Financial Conduct Authority. Firm reference number 731198. Hopkins & Jones Limited is registered in England under company number 433606. Registered office: 127 Victoria Street, London SW1E 6RD. VAT number: 238 8280 37.
© 2025 Suros Capital – all rights reserved. Suros Capital is a trading name of Hopkins & Jones Limited who are authorised and regulated by the Financial Conduct Authority. Firm reference number 731198. www.suroscapital.co.uk is a site operated by Hopkins & Jones Limited, registered in England under company number 433606. Registered office: 127 Victoria Street, London SW1E 6RD. VAT number: 238 8280 37.
Call us today on 0800 038 5974
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