Keep Your Assets | Unlock Funds
Borrow Against Assets With Secure Custody.
Tap our network of private lenders for fast financing & unlock liquidity using valuable assets as collateral. Access asset backed loan from $500 to $500K and get funded in as little as 48 hours on your verified collateral.
Estimate your borrowing power
Estimated loan amount
80% LTV$40,000
Est. APR
11–14%
Funding
48 Hrs
Credit check
None
What Does Asset Backed Loan Mean?
A secured loan lets you borrow money against your valuable assets, such as precious metals, collectibles, etc., as collateral. Instead of selling your assets, you unlock their value, holding full ownership throughout the loan, with approval only on the asset’s value & not on your credit history.
On RealWorld.fi, you can connect with independent lenders who compete to fund your loan with insured custody & 100% asset ownership.
What Can You Borrow Against a Loan? The Eligible Asset List
RealWorld.fi accepts a diverse range of assets as collateral, allowing you to borrow against your assets with personalized loan offers.
Precious Metals
- Gold bars, coins, bullion, silver, and other precious metals
- Loan amount based on asset weight, purity, and market value
Jewelry
- Diamonds, Gemstones, and precious metal jewelry
- Eligible after professional authentication and appraisal
Luxury Watches
- Richard Mille, Omega, Rolex, and Audemars Piguet
- Valued and authenticated by professionals
Fine Art
- Paintings, rare collectibles, sculptures, certified memorabilia & antiques
- Qualifies after thorough market valuation and verified provenance
Fine Wine
- IInvestment-grade wine collections and rare vintages
- Used as collateral after market assessment and condition verification
Classic Cars
- Ferrari, Lamborghini, Mercedes-Benz, Porsche
- Use classic, vintage & luxury vehicles as collateral
Note: The LTV ratios vary by asset type. Precious metals qualify for up to 80%, while luxury watches, fine art, jewelry, fine wine, and classic cars typically qualify for 40-80% LTV.
Unlock Asset Based Loan Financing in Four Simple Steps With RealWorld.fi
Turn the value of your assets into accessible capital through a straightforward, all-in-one, secure, transparent process.
Step
01
Share Your Asset
Submit your asset information along with clear images & get a loan estimation instantly at no cost.
Step
02
Verify & Secure
Upon professional verification, ship your assets or arrange an insured pickup for items over $25K+.
Step
03
Compare Loan Offers
Independent lenders review & submit competitive loan offers. Compare, negotiate & choose the best one.
Step
04
Receive Your Funds
Once the documents are ready, funds hit your account, while your assets remain secure in an insured custody store.
Your Path to Asset-Backed Funding Terms: Explained Clearly
Get the fixed terms of the RealWorld marketplace. Everything in one place, set up for negotiation.
Loan Range
$500 to $500K
Funding Speed
As little as 48 hours
APR Value
10% to 20%
(set by lenders)
LTV Range
Typically 40 to 80%
Loan Term
2 to 12 months
Credit Check
Not required
Settlement
Instant fund transfer
Custody
Insured segregated custody
Asset Reclaim
After loan closure
Why Choose RealWorld.fi?
From competitive loan offers to secure custody, everything you need to know about RealWorld.fi.
You Choose the Lender
Multiple bids, one decision, it’s yours
Negotiation.
Action.
Account.
Loan Amount.
APR.
Duration.
John
$5,000
12%
365 Days
Andrew
$4,500
15%
180 Days
Lora
$4,300
14%
90 Days
Smith
$4,000
13%
180 Days
No Evaluation Fees
Receive an instant, no-obligation estimate for free
One Underwriting Rule
No income or credit checks, just the asset’s original value
Six Asset Classes, One Marketplace
Metals to classic cars, all in the same way
Close It Whenever You Are Ready
Repay early, no penalty, no fine print
Visible to Lenders 24/7/365
Live to global lenders the moment it's verified
What Actually Backs Your Safety in RealWorld
Three independent protocols work together to protect your asset backed lending, while providing borrowers with greater trust and confidence.
Legal Separation
Your asset is safely stored under an independent German trustee & is bankruptcy-remote from RealWorld.fi.
Collateral Buffer
Loans are structured with 130-200% collateral coverage, protecting lender & borrower from price swings.
Physical Custody
Upon arrival, the assets are authenticated & verified by expert custody partners.
Why a Marketplace Works Better: Compare the Best Asset Based Lenders
Before you borrow against an asset, know why to choose a competitive marketplace over the limitations of a single lender.
Offers
Multiple lenders compete, not one lender or one term sheet
Custody
Insured vault partners, not local storage
Asset Classes
Six categories accepted, not limited to one or two
Transparency
Clear valuation & offers; no terms vary by lenders
Accessibility
Global borrowers' access, not region-specific
Borrower Choice
Compare & choose, no negotiation
Legal Protection
Independent German Trustee, no oversight
Loan Approval Basis
Based on asset’s value, not credit or income
Where Your Assets Are Safeguarded: Verified Locations
Behind every loan is a trusted custody network built for security and transparency. Meet our global partners where your collateral is protected.
UOVO Miami, USA
- Collector-grade specialization with advanced inventory technology
- Fine art, wine, and fashion pieces
London City Bond, UK
- London’s oldest bonded warehouse & leading UK tax provider
- Fine wine and bonded goods
Grupo Inviam, Madrid
- Bank-grade physical & electronic surveillance controllers
- Precious metals, jewelry, etc., and other sensitive documents
American Guardian, Las Vegas, USA
- A private facility with armed guards running a reinforced steel & concrete vault
- Bullion and high-value items
HBS Privé, Dubai
- Operates behind a seven-layer security system, directly connected to Dubai Police
- Gold bullion and luxury jewelry
The Vault House, USA
- Layered biometric security with a vault reinforced by steel & fire-resistant concrete
- Jewelry, watches, and precious metals
Who Can Benefit From Asset Based Lending Loan
RealWorld.fi helps a wide range of borrowers, enabling them to access liquidity through secure asset backed loan. Here are the borrowers we serve.
High-net-worth individuals
High-net-worth individuals unlock liquidity from valuable assets with full long-term ownership.
Collectors
Collectors borrow against gold and collections without selling prized possessions.
Business owners
Business owners can tap into flexible capital by utilizing what they already have, rather than using business credit lines.
Investors
Investors unlock new opportunities by borrowing against their assets instead of selling their investment portfolio.
Entrepreneurs
Entrepreneurs secure capital for business growth and expansion without selling their assets and holdings.
Ready to borrow against your assets?
Get your borrowing terms & access secure asset-backed lending with no credit check.
Frequently Asked Questions
An asset backed loan lets you borrow against valuable assets that you own instead of selling them. Your assets serve as collateral while remaining securely stored in insured custody under your name.
Through an asset based loan facility like RealWorld.fi, you can borrow against precious metals, fine jewelry, luxury watches, classic cars, rare art, fine wine, and other eligible high-value assets.
Unlike traditional lenders like banks, RealWorld.fi is a marketplace where individual lenders compete to fund your loan and give you the right to choose the suitable option without a credit check.
With fully insured security, your assets are authenticated and stored in segregated custody with trusted vault partners in global financial hubs. The vaults' locations include Miami, London, Madrid, Las Vegas, and Dubai.
Once you borrow against an asset and it is verified, funding will be transferred in as little as 48 hours. The accurate time varies based on the lender and the verification process.