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 & Cobalt1 mth 62.5% 6 mth 50% 12 mth 24 mth
Latest Rates
For Loans Starting on 1 Apr 2023
| Accepted Contracts | ||||
|---|---|---|---|---|
| Terms |
Volume
/
Contracts
|
Last Rate | Change | Lowest Lending |
| 1 month EUR |
1,392,000
/
111
|
4.00% p.a. | -1.00% | 4.00% p.a. |
| 1 month SGD |
126,730,500
/
3,970
|
4.25% p.a. | -2.25% | 4.00% p.a. |
| 1 month USD |
109,955,760
/
3,178
|
5.00% p.a. | - | 4.50% p.a. |
| 6 months EUR |
1,026,000
/
45
|
4.00% p.a. | -1.50% | 4.25% p.a. |
| 6 months SGD |
25,254,000
/
1,243
|
5.00% p.a. | 0.25% | 4.00% p.a. |
| 6 months USD |
60,482,452
/
1,413
|
4.50% p.a. | -0.50% | 4.50% p.a. |
| 1 year EUR |
2,104,000
/
66
|
4.75% p.a. | 0.25% | 4.50% p.a. |
| 1 year SGD |
16,860,000
/
863
|
3.25% p.a. | -1.25% | 4.50% p.a. |
| 1 year USD |
53,674,150
/
1,367
|
4.75% p.a. | -0.75% | 5.00% p.a. |
| 2 years EUR |
3,360,500
/
82
|
5.50% p.a. | 0.75% | - |
| 2 years SGD |
6,927,000
/
314
|
4.75% p.a. | - | 5.25% p.a. |
| 2 years USD |
33,647,000
/
1,094
|
5.50% p.a. | - | 5.25% p.a. |
| 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. |
||
| 530,362,361 SGD | 13,746 | 0 | 0 | ||
Latest 10 Contracts
| Created On | Payout On | For Amount | Duration | At Rate |
|---|---|---|---|---|
| 26 Mar 2023 | 1 Apr 2023 | 3,000 SGD | 12 Months | 3.25% p.a. |
| 25 Mar 2023 | 1 Apr 2023 | 25,000 SGD | 1 Month | 4.25% p.a. |
| 24 Mar 2023 | 1 Apr 2023 | 30,000 SGD | 12 Months | 4.50% p.a. |
| 24 Mar 2023 | 1 Apr 2023 | 49,500 SGD | 6 Months | 5.00% p.a. |
| 24 Mar 2023 | 1 Apr 2023 | 33,500 SGD | 6 Months | 4.75% p.a. |
| 24 Mar 2023 | 1 Apr 2023 | 49,500 SGD | 6 Months | 4.50% p.a. |
| 23 Mar 2023 | 1 Apr 2023 | 435,000 SGD | 1 Month | 6.50% p.a. |
| 23 Mar 2023 | 1 Apr 2023 | 71,500 SGD | 1 Month | 5.00% p.a. |
| 23 Mar 2023 | 1 Apr 2023 | 39,000 SGD | 1 Month | 4.50% p.a. |
| 23 Mar 2023 | 1 Apr 2023 | 81,000 SGD | 1 Month | 4.75% p.a. |
| View all past contracts in PDF or Excel format. | ||||
| Created On | Payout On | For Amount | Duration | At Rate |
|---|---|---|---|---|
| 25 Mar 2023 | 1 Apr 2023 | 82,500 USD | 1 Month | 5.00% p.a. |
| 25 Mar 2023 | 1 Apr 2023 | 3,500 USD | 24 Months | 5.50% p.a. |
| 24 Mar 2023 | 1 Apr 2023 | 5,500 USD | 12 Months | 4.75% p.a. |
| 24 Mar 2023 | 1 Apr 2023 | 11,500 USD | 6 Months | 4.50% p.a. |
| 24 Mar 2023 | 1 Apr 2023 | 175,500 USD | 6 Months | 5.00% p.a. |
| 24 Mar 2023 | 1 Apr 2023 | 22,000 USD | 6 Months | 4.25% p.a. |
| 24 Mar 2023 | 1 Apr 2023 | 33,500 USD | 6 Months | 4.00% p.a. |
| 24 Mar 2023 | 1 Apr 2023 | 20,000 USD | 6 Months | 4.00% p.a. |
| 24 Mar 2023 | 1 Apr 2023 | 13,500 USD | 1 Month | 5.00% p.a. |
| 24 Mar 2023 | 1 Apr 2023 | 10,000 USD | 1 Month | 4.75% p.a. |
| View all past contracts in PDF or Excel format. | ||||
| Created On | Payout On | For Amount | Duration | At Rate |
|---|---|---|---|---|
| 26 Mar 2023 | 1 Apr 2023 | 12,000 EUR | 1 Month | 4.00% p.a. |
| 20 Mar 2023 | 22 Mar 2023 | 9,000 EUR | 12 Months | 4.75% p.a. |
| 20 Mar 2023 | 22 Mar 2023 | 34,000 EUR | 1 Month | 5.00% p.a. |
| 19 Mar 2023 | 22 Mar 2023 | 3,000 EUR | 6 Months | 4.00% p.a. |
| 18 Mar 2023 | 22 Mar 2023 | 11,500 EUR | 12 Months | 4.50% p.a. |
| 16 Mar 2023 | 22 Mar 2023 | 16,000 EUR | 1 Month | 5.00% p.a. |
| 15 Mar 2023 | 22 Mar 2023 | 11,500 EUR | 1 Month | 4.00% p.a. |
| 14 Mar 2023 | 15 Mar 2023 | 48,000 EUR | 6 Months | 5.50% p.a. |
| 13 Mar 2023 | 15 Mar 2023 | 10,500 EUR | 12 Months | 4.50% p.a. |
| 13 Mar 2023 | 15 Mar 2023 | 45,500 EUR | 1 Month | 5.00% p.a. |
| View all past contracts in PDF or Excel format. | ||||
How Do I Get Started
- 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.
-
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.
- 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 Apr 2023. Contracts can be in SGD, USD or EUR and have durations of 1, 6, 12 or 24 months.
- 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.
Find out more:
More details on Secured Peer-to-Peer Loans