Where exceptional jewelry & watches find their true value.

A qualifying diamond may be used as collateral for a loan rather than sold outright. The diamond is evaluated first, and the loan terms are then presented in writing so you can review the amount, repayment requirements, applicable charges, maturity, and redemption terms before deciding whether to proceed.

Eligibility depends on the asset itself. Factors may include authenticity, condition, carat weight, quality, brand or maker, documentation, secondary-market demand, and the ability to verify the piece. At Goldmine Exchange, we review the item and explain which liquidity options may be available.

Valuation considers more than metal weight or a single gemstone characteristic. For signed jewelry and important stones, we may review brand, craftsmanship, condition, documentation, comparable market activity, and current secondary demand. The purpose of the evaluation also matters because an appraisal value, purchase offer, and collateral loan value are not necessarily the same.

There is no universal loan amount because each diamond is assessed individually. The potential amount depends on the characteristics of the stone, condition, documentation, market demand, and other factors considered during the evaluation. We explain the proposed amount and terms before you decide whether to move forward.

Yes, when the transaction is structured as a collateral loan, the asset may be redeemed according to the terms of the written agreement. Review the repayment schedule, maturity date, charges, and redemption requirements carefully before accepting the loan.

Documentation can be helpful, particularly for diamonds, signed jewelry, watches, and estate pieces, but the available paperwork is only one part of the evaluation. Bring certificates, receipts, service records, boxes, or previous appraisals when available so the specialist has as much relevant information as possible.

Selling may suit someone who is ready to permanently part with the asset, while a collateral loan may be more appropriate when you want access to liquidity while retaining the opportunity to redeem the item under the agreed terms. We can explain both paths so you can decide which option fits your circumstances.