Bullion Secured Peer-to-Peer Loans

Safely borrow and lend when you need it and on your own terms. We match bullion owners who want to take out a loan, using their bullion as collateral, directly with lenders who have available funds and who want a return with minimal risk.

Key Features

Set Your Interest Rate

Choose the currency (SGD or USD) and duration (1, 6, 12 or 24 months) to lend or borrow. Then publish how much, and at which interest rate you are willing to lend or borrow. When lenders and borrowers agree on terms, a contract is created.

Loans Are Secured By 200%* Worth of Precious Metals

The lender’s loans are secured at a 2 to 1 ratio by the borrower’s gold, silver and platinum parcels, held at our fully controlled and owned vault: The Safe House. No middlemen are involved.

*Only the 1-month loans can be funded with a lower ratio of 160% (or about a 62.5% loan to value ratio)

Straightforward & Convenient

Contracts are made in minutes. Silver Bullion manages the collateralization, fund transfers and enforcement of contracts. We even make up for potential late payments through our sweeper fund.

Transparency & Efficiency

Retrieve account statements, collateral photos and balance reports online 24/7. Easily roll-over or re-invest loans upon loan maturity while enjoying the lowest administration fees in the P2P industry.

Latest Rates
For Loans Starting on 22 Nov 2017

Accepted Contracts Current Transactions
Currency Duration Volume Contracts Last Rate Change Highest Borrowing Lowest Lending
SGD 1 Month 3,091,000 264 2.50% 0.75% 0.00% 2.00%
USD 1 Month 9,113,260 257 2.50% 0.00% 0.00% 1.50%
SGD 6 Months 2,918,500 234 4.50% 1.25% 0.00% 3.00%
USD 6 Months 4,763,625 227 4.00% 1.00% 2.00% 3.50%
SGD 12 Months 2,943,500 180 3.50% 0.25% 0.00% 3.50%
USD 12 Months 8,721,650 281 4.25% 0.00% 2.00% 4.00%
SGD 24 Months 1,215,500 70 4.50% -0.25% 0.00% 4.50%
USD 24 Months 4,664,000 204 4.00% -1.00% 4.00% 4.25%
Summary of Active and Completed Contracts
Amount Lent Contracts Matched Late Payments

Cases where a lender payment was delayed.

Note: Should a borrower be late in repaying his/her debt, the Sweeper Fund will forward cash to ensure the lender is paid on time. The Sweeper Fund essentially acts as an additional buffer to help ensure timely payments.

Find out more about the Sweeper Fund.

Defaults

Cases where a lender did not receive payment back.

Note: Should a borrower be late in repaying his/her debt, the Sweeper Fund will forward cash to ensure the lender is paid on time. Essentially the Sweeper Fund will take on the bad debt to prevent delays or defaults. This provides times for the borrower to remedy the missed payment and, if need be, for the borrower collateral to be liquidated.

Find out more about the Sweeper Fund.

47,221,011.32 SGD
(34,744,324.42 USD)
1,717 0 0

Latest 10 Contracts

Created On Payout On For Amount Duration At Rate
17 Nov 2017 22 Nov 2017 200,000 USD 1 Months 2.50 % pa
17 Nov 2017 22 Nov 2017 200,000 USD 1 Months 2.50 % pa
17 Nov 2017 22 Nov 2017 100,000 USD 1 Months 2.50 % pa
16 Nov 2017 22 Nov 2017 4,000 USD 24 Months 4.00 % pa
16 Nov 2017 22 Nov 2017 19,000 USD 1 Months 1.25 % pa
15 Nov 2017 22 Nov 2017 3,000 SGD 12 Months 3.50 % pa
15 Nov 2017 22 Nov 2017 13,500 SGD 1 Months 2.50 % pa
15 Nov 2017 22 Nov 2017 6,500 SGD 1 Months 1.75 % pa
14 Nov 2017 15 Nov 2017 151,000 USD 24 Months 5.00 % pa
13 Nov 2017 15 Nov 2017 6,500 SGD 1 Months 1.00 % pa
View all past contracts in PDF or Excel format.

How Do I Get Started


  1. Open a S.T.A.R. Storage account (open account). The account is free to open and does not require the purchase of bullion. Once approved you will have the ability lend or borrow.
  2. Log into your account and view the current lending offers and borrowing requests from where:

    To borrow either submit your own borrowing request or accept a lender's existing offer. You must have either purchased bulllion through us or transferred your bullion to our vault to borrow.

    To lend either submit your own lending offer or accept a borrower's existing request. You must have USD or SGD funds in your P2P Loan Account (see wire instructions) to be a lender.

  3. When lenders and borrowers match, a loan contract is created whose payout will occur on the earliest 1st, 8th, 15th and 22nd of the month. The next payout / loan start is 22 Nov 2017. Contracts can be in SGD or USD and have duration s of 1, 6, 12 or 24 months.
  4. On the loan start date, the custodian (Silver Bullion) forwards lender’s funds to the borrower and holds collateral. On loan maturity, funds are returned to custodian who then releases borrower collateral and returns funds to lender.
More information on the details page.

Find out more:

More details on Bullion Secured Peer-to-Peer Loans

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FAQ

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