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 Oct 2023

Accepted Contracts
Terms
Volume /
Contracts
Last Rate Change
1 month EUR
2,126,500 /
167
5.25% p.a. 0.25%
1 month SGD
152,619,500 /
4,491
4.25% p.a. -1.75%
1 month USD
133,011,760 /
3,697
5.25% p.a. -
6 months EUR
1,476,000 /
74
6.50% p.a. -0.25%
6 months SGD
31,687,000 /
1,457
4.75% p.a. -0.75%
6 months USD
69,930,952 /
1,546
4.75% p.a. -
1 year EUR
2,294,500 /
81
7.25% p.a. 0.25%
1 year SGD
18,867,000 /
947
4.75% p.a. -1.50%
1 year USD
58,152,150 /
1,479
5.25% p.a. 0.25%
2 years EUR
3,622,000 /
103
6.50% p.a. 2.25%
2 years SGD
7,249,500 /
337
5.75% p.a. 0.75%
2 years USD
35,500,000 /
1,162
5.75% p.a. 0.25%
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.
630,704,166 SGD 15,541 0 0

View Current Offers & Requests

Latest 10 Contracts

Created On Payout On For Amount Duration At Rate
27 Sep 2023 1 Oct 2023 26,000 SGD 6 Months 4.75% p.a.
27 Sep 2023 1 Oct 2023 3,500 SGD 12 Months 4.75% p.a.
26 Sep 2023 1 Oct 2023 5,000 SGD 6 Months 5.50% p.a.
26 Sep 2023 1 Oct 2023 7,500 SGD 1 Month 4.25% p.a.
25 Sep 2023 1 Oct 2023 248,500 SGD 1 Month 6.00% p.a.
25 Sep 2023 1 Oct 2023 13,000 SGD 24 Months 5.75% p.a.
25 Sep 2023 1 Oct 2023 54,500 SGD 12 Months 6.25% p.a.
25 Sep 2023 1 Oct 2023 60,000 SGD 12 Months 6.50% p.a.
25 Sep 2023 1 Oct 2023 200,000 SGD 1 Month 6.00% p.a.
25 Sep 2023 1 Oct 2023 200,000 SGD 1 Month 6.00% p.a.
View all past contracts in PDF or Excel format.
Created On Payout On For Amount Duration At Rate
26 Sep 2023 1 Oct 2023 16,000 USD 6 Months 4.75% p.a.
26 Sep 2023 1 Oct 2023 38,000 USD 6 Months 4.75% p.a.
26 Sep 2023 1 Oct 2023 35,500 USD 1 Month 5.25% p.a.
26 Sep 2023 1 Oct 2023 35,500 USD 1 Month 5.25% p.a.
26 Sep 2023 1 Oct 2023 4,000 USD 1 Month 5.00% p.a.
26 Sep 2023 1 Oct 2023 7,000 USD 1 Month 5.00% p.a.
26 Sep 2023 1 Oct 2023 7,000 USD 1 Month 5.00% p.a.
26 Sep 2023 1 Oct 2023 33,500 USD 1 Month 6.00% p.a.
26 Sep 2023 1 Oct 2023 91,500 USD 1 Month 6.25% p.a.
26 Sep 2023 1 Oct 2023 36,000 USD 1 Month 5.25% p.a.
View all past contracts in PDF or Excel format.
Created On Payout On For Amount Duration At Rate
25 Sep 2023 1 Oct 2023 33,000 EUR 12 Months 7.25% p.a.
25 Sep 2023 1 Oct 2023 16,500 EUR 12 Months 7.00% p.a.
25 Sep 2023 1 Oct 2023 21,000 EUR 12 Months 6.75% p.a.
25 Sep 2023 1 Oct 2023 20,000 EUR 6 Months 6.50% p.a.
25 Sep 2023 1 Oct 2023 14,000 EUR 12 Months 6.25% p.a.
25 Sep 2023 1 Oct 2023 5,500 EUR 12 Months 6.25% p.a.
23 Sep 2023 1 Oct 2023 50,000 EUR 1 Month 5.25% p.a.
22 Sep 2023 1 Oct 2023 6,500 EUR 1 Month 5.00% p.a.
20 Sep 2023 22 Sep 2023 3,000 EUR 1 Month 5.00% p.a.
20 Sep 2023 22 Sep 2023 3,000 EUR 1 Month 5.00% p.a.
View all past contracts in PDF or Excel format.

View Current Offers & Requests

How Do I Get Started

How collateralized peer-to-peer loans work.
(Click to enlarge)

For more information on
Lenders Borrowers

  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 Oct 2023. 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

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