How to Borrow Money for an Investment

As the old saying goes, “It takes money to make money.” But it can be difficult to borrow money for an investment, especially if you are under a time crunch. Diamond Banc makes it easy for you to borrow money using diamonds, designer jewelry and/or luxury watches as collateral for an asset-based loan.

Fund Your Business With Designer Jewelry, Rolex Watches, and Gold: A Fast Alternative to Bank Loans

Traditional bank loans and SBA-backed financing can take weeks or months to close, and by the time approval comes through, the business opportunity may already be gone. Diamond Banc offers a faster path: use designer jewelry, Rolex and other luxury watches, or gold as collateral for same-day or next-day funding. There’s no credit check, no business plan review, and no waiting on a loan committee — just a straightforward valuation of your assets, so you can reinvest in your business on your own timeline.

Examples of Investment Opportunities

An asset-based loan works best for short term investments that are expected to pay off quickly. Here are some examples of when taking out an asset-based loan for an investment makes sense:

• Flipping a house
• Making improvements to your house before putting it on the market
• Purchasing or making improvements to a rental property
• To move for a new job opportunity
• Investing in new products or tools for your business
• Opening up a franchise or adding a second location for your business

What Is an Asset-Based Loan?

For an asset-based loan, you borrow money from a lender who will take an item as collateral until the loan is payed off. Loan amounts are determined by the wholesale liquid value of the collateral. If you do not pay back the amount borrowed plus interest, the lender keeps the item used as collateral. Diamond Banc specializes in loans that are backed by high-end jewelry.

Why Borrow Money for an Investment?

1. Confidentiality – We do not run credit checks, verify employment or report your loan to a credit bureau. The only people who know about your loan are you and Diamond Banc.
2. Speed – The loan is approved based on the liquid wholesale value of the collateral. This makes the loan process transparent and efficient. You can have your loan terms agreed upon and receive funding within 24 hours. Compare that to a traditional SBA-backed small business loan, which typically takes 30 to 90 days to close for a standard 7(a) loan and 60 to 120 days for an SBA 504 loan — a timeline that can mean missing the investment window entirely.
3. Expertise – We specialize in jewelry-backed loans because that’s where our expertise lies. Our employees have a combined total of over 30 years in the jewelry industry, so we can offer you the most for your jewelry.

What types of items can I use as collateral with Diamond Banc?

These assets make strong collateral because they’re liquid and independently verifiable, not because they’re trendy. Gold, for instance, was trading around $4,280 per troy ounce in early August 2026 — up roughly 26% year-over-year — giving our valuation team a transparent, publicly tracked benchmark for pricing bullion, coins, and scrap gold. Rolex tells a more nuanced story: while 2026 retail prices for steel models rose 3-7%, secondary-market values for popular steel references like the Daytona and Submariner have pulled back 30-50% from their 2022 peaks. That’s exactly why loan offers are based on current wholesale value rather than a watch’s peak resale price.

• Diamonds 1ct and larger, certified and uncertified
• Fine diamond jewelry
• Signed designer jewelry like David Yurman, Tiffany & Co., Cartier,  etc.
• Luxury watches like Rolex, Patek Philippe, Breitling, etc.
• Gold and precious metal bullion, coins, and bars

Before you commit, it’s worth comparing terms across lenders. Because these are secured loans, federal Truth in Lending Act rules require the lender to give you a clear, written disclosure of the loan amount, finance charge, annual percentage rate, and total amount due before you sign — use that document to compare offers apples-to-apples. If you have an immediate investment opportunity, get started today by filling out our simple online form. Or, visit one of our locations.