Loans Against Your Diamond. Graded, matched, and kept safe.
A significant diamond is one of the most portable stores of value there is. Borrow against yours with its laboratory report matched to the stone, insured vault storage, and a record that confirms the same diamond comes back.
Diamonds We Lend Against
Don’t see your diamond? Tell us about it — significant pieces are reviewed case by case.
The same diamond, confirmed.
A diamond can be swapped for a lesser stone that looks identical to the eye. The record is built to rule that out — documented before storage, locked while a loan is open, and confirmed again at return.
The GIA report number is matched to the laser inscription on the girdle, where present.
Exact dimensions and carat weight are recorded at intake and re-checked at return.
Color, clarity, cut and fluorescence are recorded, with the report’s plotted inclusions for identification.
Metal, setting and any maker’s marks on the mounting are photographed and noted.
Verify once. Borrow when you choose.
Send photos of the piece, any maker’s marks or serial numbers, and any laboratory reports, certificates or receipts.
A credentialed gemologist identifies and grades the stones, confirms lab reports against the piece, and documents maker’s marks and condition. Appraisal is billed at cost.
Insured collection or shipping to secure, insured vault storage. Your diamond is insured at full replacement value from the moment it leaves your hands.
Receive a confidential, no-obligation term sheet. Repay at any time and your diamond is returned or stored with its record intact.
Diamond Loan FAQ
How much can I borrow against a diamond?
Loan-to-value typically ranges from 25% to 75% of the appraised value. Carat, color, clarity, cut and the laboratory report drive the figure. Loans range from $25,000 to $2 million.
Can I borrow against a diamond without a GIA report?
Yes, but we will arrange a laboratory report first, billed at cost. A current report is the basis for valuing and identifying the stone.
Can I borrow against my engagement ring?
Yes. Rings are valued mainly on the center stone and its report, with the mounting and any maker’s signature considered as well.
Will I get the same diamond back?
Yes. The stone is matched to its report, inscription and measurements before storage and checked against them again at return. While a loan is open the record is locked, so the piece cannot be sold, swapped or pledged twice.
Do you check my credit?
No. The decision is based on the diamond, not your credit history or income.
Is the loan non-recourse?
Non-recourse terms are available on qualifying loans, meaning the diamond is the lender’s only remedy. Your term sheet states plainly whether your loan is non-recourse.
Can I repay early?
Yes. Generally, there is no prepayment penalty. Repay at any time and your diamond is returned or stored with its record intact, ready if you want to borrow again.
Keep the diamond. Use its value.
NON-FUGAZI is invitation-only. Tell us what you own and we'll respond confidentially with next steps.
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