Secured Peer-to-Peer Loans

Borrow against your metals when you need it or lend fiat currency in a safe manner. Silver Bullion matches borrowers, using their metal as collateral, with lenders who have extra funds (fiat) and who want a return with minimal risk.

IMPORTANT: Owners of metal cannot lend their assets, they can only borrow against it (we do not facilitate gold leasing).

Key Features

Borrow Against Your Metals in Storage or Lend Out Your Funds

To borrow, you need metals in storage as collateral.

To lend, you need funds in your P2P account (there is no need to own and keep metals with us).

Set Your Interest Rate

Choose the currency (SGD, USD or EUR) and duration (1, 6, 12 or 24 months) to lend or borrow. Then post via our platform how much you are willing to lend or borrow. When a lender and a borrower agree on the terms, a contract is created.

Loans Are Secured By 200%* Worth of Precious Metals and EV Metals

The lender’s funds are secured at a 2:1 ratio by the borrower’s metals, stored within our fully controlled and owned vault: The Safe House. No middlemen are involved.

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

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

Latest Rates
For Loans Starting on 1 Aug 2021

Accepted Contracts
Terms
Volume /
Contracts
Last Rate Change
1 month EUR
74,500 /
8
2.75% p.a. 0.25%
1 month SGD
51,718,000 /
2,218
3.00% p.a. 0.25%
1 month USD
51,561,760 /
1,659
3.50% p.a. -
6 months EUR
102,500 /
7
3.50% p.a. -0.25%
6 months SGD
14,633,000 /
777
2.50% p.a. -1.00%
6 months USD
26,049,452 /
898
3.75% p.a. -0.50%
1 year EUR
595,500 /
14
5.00% p.a. 1.00%
1 year SGD
10,220,500 /
588
3.50% p.a. 0.50%
1 year USD
33,635,650 /
964
5.00% p.a. 0.50%
2 years EUR
885,500 /
29
4.50% p.a. -
2 years SGD
4,861,500 /
232
3.50% p.a. -
2 years USD
23,156,000 /
798
4.75% p.a. 0.50%
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.

266,392,777 SGD
(196,396,916 USD)
8,192 0 0

Latest 10 Contracts

Created On Payout On For Amount Duration At Rate
30 Jul 2021 1 Aug 2021 10,500 SGD 1 Month 3.00% p.a.
30 Jul 2021 1 Aug 2021 24,000 SGD 6 Months 2.50% p.a.
28 Jul 2021 1 Aug 2021 19,500 SGD 1 Month 2.75% p.a.
28 Jul 2021 1 Aug 2021 6,000 SGD 1 Month 2.00% p.a.
28 Jul 2021 1 Aug 2021 3,000 SGD 1 Month 2.25% p.a.
28 Jul 2021 1 Aug 2021 26,000 SGD 1 Month 2.75% p.a.
28 Jul 2021 1 Aug 2021 20,500 SGD 1 Month 2.75% p.a.
26 Jul 2021 1 Aug 2021 9,000 SGD 1 Month 2.75% p.a.
26 Jul 2021 1 Aug 2021 20,500 SGD 1 Month 3.00% p.a.
26 Jul 2021 1 Aug 2021 49,500 SGD 6 Months 3.50% p.a.
View all past contracts in PDF or Excel format.
Created On Payout On For Amount Duration At Rate
30 Jul 2021 1 Aug 2021 18,500 USD 1 Month 3.50% p.a.
30 Jul 2021 1 Aug 2021 30,500 USD 1 Month 3.50% p.a.
29 Jul 2021 1 Aug 2021 25,500 USD 6 Months 3.75% p.a.
29 Jul 2021 1 Aug 2021 104,500 USD 6 Months 4.25% p.a.
28 Jul 2021 1 Aug 2021 12,500 USD 1 Month 3.75% p.a.
27 Jul 2021 1 Aug 2021 9,000 USD 6 Months 3.75% p.a.
27 Jul 2021 1 Aug 2021 131,000 USD 24 Months 4.75% p.a.
25 Jul 2021 1 Aug 2021 146,000 USD 1 Month 4.00% p.a.
23 Jul 2021 1 Aug 2021 59,000 USD 1 Month 3.50% p.a.
23 Jul 2021 1 Aug 2021 12,500 USD 6 Months 3.50% p.a.
View all past contracts in PDF or Excel format.
Created On Payout On For Amount Duration At Rate
20 Jul 2021 22 Jul 2021 4,000 EUR 1 Month 2.75% p.a.
13 Jul 2021 15 Jul 2021 7,000 EUR 6 Months 3.50% p.a.
5 Jul 2021 8 Jul 2021 105,000 EUR 12 Months 5.00% p.a.
1 Jul 2021 8 Jul 2021 3,000 EUR 6 Months 3.75% p.a.
22 Jun 2021 1 Jul 2021 10,000 EUR 24 Months 4.50% p.a.
22 Jun 2021 1 Jul 2021 10,000 EUR 24 Months 4.50% p.a.
21 Jun 2021 22 Jun 2021 23,500 EUR 24 Months 4.25% p.a.
11 Jun 2021 15 Jun 2021 39,000 EUR 24 Months 4.25% p.a.
11 Jun 2021 15 Jun 2021 33,000 EUR 24 Months 4.25% p.a.
11 Jun 2021 15 Jun 2021 44,000 EUR 24 Months 4.25% p.a.
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 bullion 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 SGD, USD or EUR 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 1 Aug 2021. Contracts can be in SGD, USD or EUR and have durations 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 Secured Peer-to-Peer Loans

For Borrowers

For Lenders

FAQ

P2P Funding Options and Start Dates

Market