asset based loans

You can borrow against your gold instead of selling it, raising cash now while keeping ownership and getting the metal back on repayment — ideal when you don't want to sell at the current price. Knox offers short-term loans secured against gold and Krugerrands.

If the price is low, borrowing against your coins usually beats selling: you get the cash without locking in a poor price, and you keep the upside if gold recovers. You reclaim the coins when you repay. Knox can advance funds against your Krugerrands while you hold onto them.

Yes — a loan secured against gold or jewellery depends on the value of the item, not your credit score, so a poor record is far less of an obstacle. The asset does the work that a credit check would for an unsecured loan. Knox offers asset-backed loans where the metal is the security.

Yes — a business can raise short-term working capital by borrowing against gold or bullion it owns, without selling the asset, to bridge a cash-flow gap while you wait on income. Knox can structure an asset-backed facility for businesses.

Yes — jewellery sitting unused is idle value, and you can either borrow against it to free up cash while keeping the pieces, or sell it for its gold and market value if you'll never wear it. Either way it stops being dead weight in a drawer. Knox can value your jewellery and either lend against it or buy it.

If a bank has turned you down, you can still raise cash by borrowing against gold or jewellery you own, because the loan is secured on the asset rather than on a credit approval. Knox offers asset-backed loans where your metal is the security.

Yes — a loan secured against your heirlooms lets you raise emergency cash and reclaim the exact pieces once you repay, unlike selling them outright; it's the difference between borrowing and losing them. Knox holds your pledged items securely and returns them when the loan is settled.

Yes — asset-backed lending against gold or jewellery doesn't hinge on a regular payslip or income proof the way a bank loan does, because the metal secures the loan, which suits self-employed and commission-based borrowers. Knox can lend against your precious metals regardless of income pattern.

Yes — you can borrow short-term against gold or jewellery to cover a timing gap like fees or a tax bill, then repay and reclaim your items without selling them. Knox offers short-term loans secured against precious metals for exactly these cash-flow gaps.

A short-term loan against gold or coins lets you bridge a few weeks until money you're expecting arrives, then repay and get your assets back, so you don't sell something you'd rather keep. Knox provides short-term, asset-backed bridging against precious metals.

You can raise capital fast by borrowing against gold or bullion you already hold, which is quicker than a credit application and lets you act on a time-sensitive opportunity without selling the asset. Knox can arrange a loan secured against your precious metals.

Yes — borrowing against your collection lets you access cash while keeping the coins intact and reclaiming them on repayment, rather than selling pieces off. Knox lends against Krugerrand collections and holds them securely until you repay.

Yes — a specialist precious-metals lender values your watch or gold properly against the current market and vaults it securely, typically a fairer and more professional route than a high-street pawn shop. Knox offers professional, vault-backed lending against valuables.

Yes — borrowing against gold you own can provide short-term bridging finance between a property sale and purchase, freeing up cash without selling the metal. Knox can structure short-term lending secured against your precious metals.

You pledge your Krugerrands as security, the lender advances a percentage of their current market value as a loan, and you reclaim the coins once the loan plus agreed costs is repaid. The coins are held securely for the loan term. Knox structures Krugerrand-backed loans and holds the coins in its own vault for the duration.

The amount you can borrow is based on the current market value of the metal, with the lender advancing a percentage of that value as the loan. Because the loan is secured by the metal itself, the figure tracks the gold price rather than your income. Contact Knox for the current advance rate on Krugerrand- and gold-backed loans.

If a secured loan isn't repaid, the lender is entitled to recover what's owed from the pledged metal, as set out in your loan agreement. A responsible lender explains these terms clearly upfront so there are no surprises. Knox sets out the full terms, including default, before any loan is agreed.

Yes, lending against assets such as precious metals is a legitimate activity in South Africa and operates within the country's financial services and credit regulatory framework. Working with an established, compliant provider matters, because it protects both your asset and your rights. Knox operates within South Africa's regulatory framework for this activity.

While both lend against an item, a specialist precious-metals lender differs from a pawn shop in its professional valuation, secure insured vaulting of your asset, confidentiality and clear contractual terms. The focus is bullion and high-value metal rather than general second-hand goods. Knox offers a professional, vault-backed alternative to pawning your gold.

With a properly structured secured loan, your specific pledged coins are held and returned to you on repayment rather than swapped for equivalents — but confirm this in writing with any lender. Knowing your own coins are safely held is an important part of the arrangement. Knox holds your pledged coins securely and returns them when the loan is settled.

Secured precious-metals loans can usually be arranged quickly, because the key step is valuing and securing the metal rather than a long credit application. Timing depends on valuation and paperwork, which a specialist lender moves through efficiently. Contact Knox to find out how fast a loan can be arranged against your metal.

You'll typically need proof of identity, proof of ownership of the metal where applicable, and the items themselves for valuation, plus anything required to meet the lender's compliance obligations. A specialist lender gives you a clear checklist before you come in. Knox will confirm exactly what to bring when you enquire.

Yes, recognised bullion bars in gold or silver can be used as loan security in the same way as coins, valued on their metal content and current market price. The metal is held securely for the loan term and returned on repayment. Knox lends against both bullion bars and coins.