Key Facts About Knox Asset-Based Loans:
Gold bullion, silver bullion, Krugerrands, and fine jewellery are physical assets with measurable value — and at Knox, they can now be used strategically. Knox Safe Custody enables clients to unlock the financial potential of these items through discreet, confidential, secured, asset-based loans.
This service allows you to borrow against physical assets without selling them. It’s a streamlined way to access funds without undoing your long-term strategy. Whether you hold investment bullion or inherited jewellery, Knox’s lending option provides flexibility and discretion backed by industry expertise.
FAQ:
Q: Can I use inherited jewellery?
A: Yes, provided it meets Knox’s criteria for precious metals and quality.
An asset-based loan is a type of secured financing that uses high-value tangible assets as collateral. Instead of applying through a bank, clients can receive capital based on the measurable, real-time value of items such as:
🟡Gold bullion bars and coins (in all denominations)
⚪ Silver bullion bars and coins
🟠Krugerrands
💍Precious metal jewellery (gold, silver, platinum)
These items are independently evaluated, priced based on live pricing, and held in insured, on-site vaults during the loan period. Once the loan is repaid, the item is returned to the client in full.
FAQ:
Q: Are loose diamonds accepted?
A: Knox does not currently accept loose diamonds or uncertified stones unless part of qualifying jewellery.
Using tangible assets such as bullion and jewellery offers several strategic advantages:
Precious metals like gold are seen as resilient, non-correlated assets — especially in uncertain financial markets. According to the London Bullion Market Association, gold continues to serve as a reliable hedge against inflation and currency volatility.
Each item is evaluated based on:
Knox does not currently accept loose diamonds or uncertified stones unless they are part of a qualifying piece of jewellery.
📊 Live Krugerrand pricing is available here.
Bullets for skimmability:
📅 Book Your Private Asset Valuation Today
The process is clear, efficient and discreet.
Key Terms at a Glance
Loan Type: Secured against physical assets (bullion and/or jewellery)
Valuation: Same-day, using advanced non-destructive testing
Repayment: Flexible periods agreed upon in advance
Security: Your item is stored securely in its own labelled, insured space within our vault
Transparency: All fees, interest and terms are disclosed upfront
Client support: Dedicated, professional handling throughout the process
Every agreement is documented and barcoded.
Knox operates in line with best practices under South African financial and lending frameworks. While we don’t extend traditional credit, we adhere to rigorous KYC (Know Your Customer) processes, formal documentation standards, and secure storage protocols.
Our service offering is all in line with the National Credit Regulator broader regulatory context on secured lending in South Africa.
These structures protect both the lender and the client — and ensure transparency, compliance and confidence throughout the transaction.
Clients trust Knox because we are already an established leader in:
Highlight / Trust Box:
Adding asset-based lending to our offering is a natural extension of our infrastructure and client-first philosophy. Every evaluation is private, every agreement is personalised, and every item is treated with respect.
You’re not sending your assets to a third party or mailing them off-site. Everything happens under one roof, with confidentiality and insurance guaranteed.
With gold trading at near-record highs, and demand for physical metal increasing across global markets, it’s no surprise that many individuals prefer to retain their bullion holdings rather than sell them outright.
Asset-based loans allow clients to:
As highlighted by the World Gold Council, physical gold continues to outperform during inflationary periods and market stress. In South Africa, the Krugerrand remains a cornerstone of private wealth — and a smart asset to leverage when funding needs arise.
FAQ:
Q: How quickly can I access my loan?
A: Loan approval and issuance can occur on the same day, depending on asset evaluation.
Knox offers a discreet, experienced, and fully insured way to access capital through your bullion or jewellery — without forfeiting ownership or control.
Whether you’re an investor, a collector, or someone managing generational wealth, our lending service allows you to make strategic use of the value you already hold.
