Asset Based Lending
Precious Stones Asset Based Lending Services
Financely structures lending programs secured by certified precious stones and gemstone inventories for transaction-ready borrowers.
We work on underwriting, collateral framing, lender matching, and close support.
Borrow against verified gem collateral with a documented process: intake, valuation, legal perfection, credit approval path, and funding execution.
Submit your file at
Financely Deal Submission.
Stones We Can Frame For Collateral Review
Diamonds
White and fancy color stones, parcel inventory, and selected single-stone collateral with traceable documentation and grading reports.
Rubies, Sapphires, Emeralds
Fine quality natural colored stones with lab evidence, treatment disclosure, origin detail where available, and chain-of-title support.
Collector And High-Value Stones
Alexandrite, spinel, tsavorite, paraiba tourmaline, and other premium stones reviewed on a case-by-case collateral basis.
Jewelry And Mixed Inventories
Finished jewelry and mixed gem stock can be considered when appraisal format, custody controls, and liquidation logic are clearly documented.
Typical required documentation includes stone certificates, recent valuation reports, invoices, title chain evidence, storage and custody details, insurance data, and beneficial owner KYC.
Collateral Eligibility Snapshot
| Stone Type |
Common Acceptable Form |
Core Documents |
Credit View |
| Diamonds |
Certified loose stones, matched parcels, selected investment-grade inventory |
Lab certs, valuation memo, invoices, custody and insurance records |
Typically strongest lender appetite in gemstone collateral pools |
| Rubies |
Fine natural stones with treatment disclosure |
Lab report, appraisal, title evidence, inventory schedule |
Risk-adjusted underwriting with stricter valuation controls |
| Sapphires |
Natural high-value stones and qualifying inventory blocks |
Certification pack, valuation date, legal ownership proof |
Good fit when liquidity assumptions are documented |
| Emeralds |
Natural stones with full disclosure and appraisal support |
Lab and treatment report, custody file, insurance detail |
Case-specific due to quality dispersion and resale spread |
| Other Premium Stones |
Selected collector-grade or auction-comparable stones |
Independent valuation plus liquidation evidence |
Reviewed file-by-file with tighter structure terms |
Closing Procedure
1) Intake And Scope Fit
Borrower submits collateral list, target facility size, use of proceeds, and timing. We screen for transaction readiness and documentation completeness.
2) Engagement And Compliance Onboarding
After mandate acceptance, we run KYC, AML, sanctions screening, and onboarding checks for borrower and beneficial owners.
3) Valuation And Collateral Audit
Independent valuation logic is confirmed, certificate quality is checked, and collateral schedule is normalized for lender review.
4) Legal And Security Structure
We define pledge mechanics, custody framework, insurance requirements, and perfection steps in line with jurisdiction and lender counsel.
5) Indicative Terms And Credit Framing
Facility outline is prepared with pricing logic, tenor, covenants, reporting duties, and collateral controls for lender-side credit review.
6) Lender Process And Diligence
Data room is presented to lending counterparties, clarification rounds are managed, and final conditions precedent are locked.
7) Definitive Documentation
Loan and security documents are finalized, execution checklist is completed, and signatures are coordinated with all parties.
8) Funding And Post-Close Controls
Funds are disbursed once CPs are satisfied. Ongoing reporting, collateral monitoring, and covenant tracking follow the signed facility terms.
Common Use Of Proceeds
- Working capital against qualified gemstone inventory.
- Bridge financing for trade cycles, purchase orders, or confirmed resale channels.
- Liquidity for restructuring inventory profile or consolidating short-term liabilities.
- Acquisition of additional stock tied to documented turnover plans.
Financely operates on a best-efforts advisory and arrangement basis. We do not guarantee lender approval, pricing, issuance, or funding timelines.
All transactions remain subject to underwriting, legal diligence, third-party valuation acceptance, KYC and AML checks, and final credit decisions.
Submit Your Precious Stones Lending File
Send your collateral schedule, certificate pack, target amount, and timeline.
We will assess fit and map the shortest credible route to lender decision.
Frequently Asked Questions
Do you finance synthetic or lab-grown stones?
Most lender channels prioritize natural certified stones. Lab-grown collateral can be discussed case by case, subject to lender policy.
Can mixed jewelry inventory be pledged?
Yes, if inventory schedules, valuation format, custody control, and legal ownership records are clear and verifiable.
How fast can closing happen?
Speed depends on file quality, valuation readiness, legal workstreams, and lender response cycles. Complete files close materially faster.
Do you guarantee approval?
No. Credit outcomes depend on third-party decisions, underwriting metrics, collateral quality, and legal acceptance.