Put your stones to work without letting them go. LQD arranges confidential, asset-backed capital against certified diamonds, estate jewelry, and signed designer pieces, priced on what they truly command. AI-driven underwriting returns indicative terms within hours, with no credit check and no income verification, and your jewelry stays in your name.
Few assets pack as much value into so little space as a fine diamond or a signed suite. For many families a single stone, an important necklace, or an inherited parure represents real net worth, yet it usually sits idle in a safe. Because these pieces change hands in mature auction and dealer markets, they can also anchor a capital arrangement, one of several asset classes LQD accepts as security.
LQD arranges private capital against certified diamonds, fine and signed jewelry, colored gemstones, and estate pieces. A single significant stone, an engagement ring, a tennis bracelet, or a full collection can all be reviewed, and each arrangement is built on the verified market value of your specific pieces rather than on a generic formula. It helps to understand how tangible assets translate into capital before you prepare a submission.
There is no income verification and no credit check. Underwriting looks at the gemological and market qualities of the jewelry, not at your personal finances, and the whole review stays confidential and discreet, with nothing listed or disclosed publicly. Because the title stays in your name, you keep the piece and any appreciation it earns. Owners typically direct the proceeds toward bridge financing, business capital, real estate, estate settlements, or a narrow window of opportunity, and how the money is used is entirely yours to decide.
That same asset-first logic runs across the platform. Owners who keep watches beside their jewelry can raise capital on a fine timepiece, those with designer bags can borrow against a luxury handbag such as an Hermès Birkin or Kelly, and holders of gold or bullion can look at precious-metal-backed capital. Every category stands on its own market.
Nothing on this list is mandatory. When you happen to have these items, they sharpen the valuation and can speed the review and firm up preliminary terms:
The categories below give a sense of what LQD lends against. The list is not exhaustive, and every piece is weighed on its own gemological and market merits.
A report from the Gemological Institute of America (GIA) or another respected lab describes a stone across the 4Cs of cut, color, clarity, and carat weight, which gives a review a useful starting point. On its own, though, a report neither sets collateral value nor confirms the whole piece. LQD prices every stone itself, reading the report against condition, comparables, and live resale demand.
Signed jewelry, the trade term for pieces bearing a maker's mark, from houses such as Cartier, Van Cleef & Arpels, Harry Winston, Graff, Tiffany & Co., Bulgari, and David Webb, tends to hold documentation and broad resale demand that can lift a valuation. A signature points to a category; it does not guarantee eligibility, and not every item from a house qualifies. Each piece is authenticated and priced on its own.
Estate jewelry, especially from the Art Deco, Edwardian, Victorian, and Belle Époque eras, often draws collector interest well beyond its metal and stone content. Documented provenance, a noted former owner, and period-correct construction all feed into the review, and LQD's gemological specialists are well versed in reading antique and estate work.
Top colored stones can carry real value: natural rubies, sapphires (Kashmir, Burma, and Ceylon origins in particular), emeralds (Colombian preferred), alexandrite, and fine tanzanite. Origin and quality certificates from labs such as GIA, Gübelin, and SSEF strengthen the case. Treated stones are welcome and assessed individually, with value adjusted to reflect any enhancement.
Solitaires, three-stone rings, and bespoke bridal sets are read as a single piece: center stone, side stones, mounting, and maker together. The center diamond usually carries the most weight, while the quality of the setting, especially from a recognized jeweler, adds to the picture. Every ring is measured against current market comparables on its own.
When you hold several important pieces, the whole collection can serve as collateral in a single arrangement, which may open more capital than any one piece supports alone. LQD regularly works with collectors, executors, and advisors handling multi-piece holdings that span diamonds, signed jewelry, and colored stones.
Loose diamonds trade in a deep, well-documented market, which is why many can be reviewed. A grading report helps identify a stone when you have one, but LQD authenticates and prices independently rather than leaning on any single document. Carat weight, cut, color, clarity, shape, and origin, whether natural or lab-grown, all feed the assessment alongside current dealer and auction results. Authentication, ownership checks, valuation, and underwriting apply to every stone, and eligibility and terms are not guaranteed.
Rings are the piece owners ask about most. LQD reads the ring as a whole, center stone, side stones, mounting, and maker, with the center diamond usually driving the number. Original paperwork and any grading report help. Because settings and side stones vary so widely, each ring is judged on its own, authentication and ownership verification apply, and eligibility and terms are not guaranteed.
Signed pieces from Cartier, Van Cleef & Arpels, Tiffany & Co., Bulgari, Harry Winston, Graff, David Webb, and Buccellati can be reviewed. A maker's mark and original documentation tend to broaden resale demand and support value, though a signature never guarantees eligibility and not every item from a house qualifies. Given how common reproductions are, authentication is essential; each piece is assessed on its own, valuation and underwriting apply, and eligibility and terms are not guaranteed.
Fine rubies, sapphires, emeralds, and their peers can be reviewed where quality and, when it matters, origin support the value. Species, color, clarity, cut, and any treatment all count, and lab origin or quality reports inform the review without dictating price. Treated and untreated stones are told apart during assessment, authentication and ownership verification apply, and eligibility and terms are not guaranteed.
Estate, antique, and period jewelry, Art Deco, Edwardian, and Victorian among them, can carry collector demand beyond material content. Documented provenance, period-correct construction, and condition all shape the review, and LQD can deal directly with executors and trustees. Proof of ownership helps where it exists but is not required to apply. Each piece is authenticated and priced individually, underwriting applies, and eligibility and terms are not guaranteed.
High-jewelry and couture pieces, important necklaces, brooches, and suites built around major stones and exceptional workmanship, are reviewed with close attention to gem quality, craftsmanship, and documented history. Their complexity often calls for specialist authentication and LQD's own valuation. Ownership verification and underwriting apply, each piece stands on its own, and eligibility and terms are not guaranteed.
Several important pieces can be reviewed together, which may widen the basis for one arrangement. Each item is authenticated and priced on its own before the collection is weighed as a whole; simply grouping pieces does not by itself raise the available capital. To talk through a collection, you can begin a confidential review. Underwriting and ownership verification cover the full group, and eligibility and terms are not guaranteed.
LQD sits gemological analysis alongside live secondary-market data. A retail price or an insurance figure is not collateral value; our number rests on the verified market value of your specific stone or piece and on what comparable pieces actually fetch in a resale. The 4Cs shape that view. They are inputs that inform the assessment, not thresholds that promise any particular outcome.
Cut: Cut governs how a diamond returns light and how it reads face-up. Reports describe it, and a stronger cut can widen resale demand, but it is weighed together with the other characteristics rather than in isolation.
Color: The GIA scale runs from D (colorless) to Z (light yellow), and where a stone lands is one consideration. Fancy-color diamonds, yellows, pinks, and blues, follow a separate framework tied to rarity and auction results. Color is read next to cut, clarity, and weight.
Clarity: Grades run from FL (Flawless) down through the included range, and the gap between some neighboring grades is invisible to the naked eye. Clarity feeds resale demand and is recorded in the review, yet it remains one input among several.
Carat Weight: Weight measures size, and larger stones are scarcer. It is weighed together with cut, color, clarity, shape, and current demand; size alone never settles collateral value.
Every piece is authenticated and priced independently. A grading report, where you have one, supports the review rather than setting the value. Where none exists, LQD can arrange an independent gemological review through qualified specialists, and pieces without paperwork are assessed all the time on their own characteristics and current market data.
Authentication takes in the whole piece, the stones, the mounting, hallmarks, and any maker's marks, because a report on a single stone confirms neither the authenticity, ownership, value, nor eligibility of the entire item. Ownership verification and underwriting apply to every submission.
Pledged jewelry and gemstones stay in insured, secure storage for the full term. Each piece is cataloged, photographed, and documented at intake. Insurance requirements and available coverage vary by carrier, provider, lender, asset, and structure, and are confirmed as part of the valuation and underwriting process. Every piece receives secure handling and storage throughout.
Insured transport runs through qualified specialty providers, owners receive detailed receipts for each piece, and everything is returned in its received condition once the balance is repaid.
Cartier, Van Cleef & Arpels, Harry Winston, Graff, Tiffany & Co., Bulgari, Buccellati, David Webb, GIA, Gübelin, SSEF, AGL, GRS, and the other brand and laboratory names on this page are trademarks of their respective owners. LQD LLC is not affiliated with, endorsed by, or connected to any jewelry maker or gemological laboratory, and shows no such logos. These names appear only to identify asset categories and documentation sources for lending purposes.
These figures get muddled, yet they mean different things. A retail price is what someone paid at the counter; an insurance replacement value estimates retail replacement cost and usually runs highest; an auction estimate is a specialist's projected sale range; a resale value is what a piece would realistically bring in a secondary sale. Collateral value is different again, grounded in verified market value and live secondary-market demand rather than in any retail, insurance, or estimate figure.
A confidential review can start with a short description and a handful of clear photographs. The details below help LQD authenticate and price a piece, though none is a condition of getting in touch:
You do not need every document to begin, but whatever you have can help with authentication, ownership verification, valuation, and underwriting. From there, the answers to common questions go deeper on documentation and authentication, and the path from submission to closing lays out what to expect, from valuation through funding and secure storage.
Borrowing and selling answer different needs, and neither is automatically right. A sale turns a piece into cash at once and closes the book on it, which can suit an owner ready to let go. Borrowing keeps the piece, and its title, in your hands while freeing up capital, which matters for anything carrying family meaning or for a collection you would rather hold together than break up.
Timing often decides it. Selling an important piece through a dealer, at auction, or privately takes time, and prices drift with the market, so an owner facing a deadline may prefer to raise capital without parting with the stone. There are several ways to keep ownership while unlocking capital, and a piece may simply hold meaning you are not ready to surrender, a thread picked up in why collectors turn to private capital.
Borrowing carries its own cost and risk. Financing costs money that a sale does not, and during the term the jewelry sits in insured custody rather than on the hand, insured throughout. Above all, a pledged piece can be lost in a default, so weigh the obligation carefully against simply selling. LQD also arranges capital secured by collectible heirlooms for owners facing the same call across a wider collection.
Share photographs and a few details of your piece or collection, plus any grading reports, appraisals, or purchase records. Our gemological team replies within hours to walk through next steps, and AI-driven underwriting can return indicative terms the same day.
Specialists authenticate each piece and weigh it against current auction and dealer results, then share a private read on its collateral value. There is no credit check, no income verification, and no obligation to go ahead.
Qualified submissions may receive a preliminary offer after authentication, ownership verification, condition review, LQD's valuation, and underwriting. On approval, funding typically follows within 24 to 72 hours, and the title stays in your name. Final eligibility and terms depend on documentation and review.
Every submission stays discreet. LQD reviews your piece or collection privately, with nothing listed or disclosed, no credit check, and no income verification.
LQD does its own research, authentication, and pricing, reading stones, mountings, hallmarks, and any reports against live auction and dealer results before terms are discussed.
Pledged jewelry travels by insured specialist transport into secure, climate-controlled storage, with condition captured in dated photographs at intake and return.
Send a single piece or a full collection for a confidential review. Qualified submissions may receive a preliminary offer after authentication, ownership verification, valuation, and underwriting, with funding typically within 24 to 72 hours of approval and the title kept in your name. No credit check. No obligation. Final eligibility and terms depend on documentation and review.
Curious what your pieces could raise?