Secured Peer-to-Peer Lending Platform

Silver Bullion acts as escrow, custodian and platform provider to securely enable lending and borrowing between clients at their chosen terms. Clients have made 750,511,682 SGD loans since 2015 with no defaults, thanks to high collaterals and our sweeper fund.

Borrowing requires eligible physical assets (e.g., bullion, luxury watched) to be vaulted with us to guarantee loan repayment. Clients with physical assets can create borrowing requests to ask for funds at their chosen terms.

Your assets remain your property

A lien is placed on the parcels you choose to use as loan collateral. These parcels will need to stay in our vault until the loan is returned.

Fast, efficient, and inexpensive

Loans contracts are made in minutes, funds are released on the 1st, 8th, 15th and 22nd of each month and the only processing fee is a 0.5% p.a.* of loan amount, payable at loan end. *(1% for - 1 month loans).

Deposit existing assets with us

Unlock liquidity from your existing eligible assets. After transfer-in and authentication, you can obtain funds without selling your eligible assets and avoid potential capital gains taxes.

Lending requires USD / EUR / SGD to be held in our escrow account so it can be lent to borrowers. Lenders create lending offers to bid for loans at their chosen terms.

Secured

Your loan is secured with 160% to 200% of borrower’s assets and should, during the loan term, the collateral fall to 110% we will liquidate the assets to cover the loan.

Reliable

A separate “sweeper fund” absorbs eventual payment delays by your counterparty, ensuring reliability and enabling smooth roll-overs without idling funds.

Authenticated and Insured collateral

The collateral is authenticated by us and further insured by Lloyd’s of London underwriters– covering theft, infidelity and mysterious disappearance.

Over the last 8 years, we have processed 17,759 loans without any defaults to lenders. The steps involve:

Bid/Ask Market

Available lending offers and borrowing request for the next loan start date are listed in the Bid/Ask Market. All loans start on the next loan starting date, being the 1st, 8th, 15th or 22nd of each month.

Lenders and Borrowers agree on terms

When a lending offer and borrowing request match, a contract is created. The bid / ask market enables lenders and borrowers to find a mutually agreeable amounts, interest rates (2% to 10% p.a.), currencies (SGD, USD or EUR) and durations (1, 6, 12 or 24 months).

Transfer of Funds and Low Fees

Silver Bullion will send the funds to the respective parties, ensuring reliability. The only loan processing fee is a 0.5% p.a. of principal (1% for 1-month loans) charged at the end of the loan.

When a loan expires the borrower can:

1. Return the funds by or before the due date to Silver Bullion.
2. Roll-over the loan with another loan – to be set 1-week before expiry.
3. A combination of the above.

When a loan expires the lender can:

1. Return or utilize the funds.
2. Roll-over the funds into another loan – to be set 1 week before expiry.
3. A combination of the above.

Should a borrower not return funds on time:

Our “sweeper fund” will cover any payment shortfall ensuring that the lender will still obtain funds on time, a 1% late fee will be charged to the borrower for the shortfall.

Liquidation of Collateral Occurs When:

Should a borrower not return funds for a period of 1 month or should the value of the pledged collateral fall to 110% of collateral then the collateral will be liquidated to ensure the loan repayment.

IMPORTANT: We do not facilitate asset leasing as it can put your asset at risk, instead your property can only be used by you as collateral to obtain low interest loan from other clients.

Loan Durations and Loan to Value Ratio
Metal	Loan Duration	LTV Ratio
Gold	1 mth	62.5%
	6 mth
	12 mth
	24 mth
Silver, Platinum, Palladium, Nickel & Cobalt	1 mth	62.5%
	6 mth	50%
	12 mth
	24 mth