As a result of the worldwide financial crisis, many consumers have found themselves unable to access affordable short-term credit solutions to meet temporary cash flow needs. SmartTermLoans provide consumers an ideal solution to unlock the equity hidden in their valuables without having to lose their beloved valuables forever or completely be deprived of the appreciation value. These specialized loans are designed to offer extended flexibility to consumers and an affordable alternative to many other sources of short-term loans.

Our clients typically need money for short terms needs such as unexpected bills, school tuition, make a loan payment, providing financing for a small business or make an investment that is too good to pass up.

Whatever the reason, our clients find a SmartTermLoan to be a much more flexible and affordable solution that other quick short-term loan products such as cash advances, payday loans, auto title loans, overdraft lines of credit, or the local pawn shops.

• 1.

  Ownership Claim: If you're like most people, you probably have some kind of an emotional attachment to your jewelry or collectibles and do not want them melted down as scrap or auctioned off as surplus. With SmartTermLoans, your valuables are returned to you once the loan is paid off. Why sell your valuables off to "cash for gold" or other "collection liquidation" schemes when you could get better valuations and retain your claim to your treasures with a SmartTermLoan?

• 2.

  Discretion: SmartTermLoans is a private, guaranteed, secure, and confidential source of short-term cash. We do not require any credit checks, employment verifications, references, or proof of income. Your confidentiality is our highest priority and we make it easy to monetize your valuables fast to meet your short-term cash needs.

• 3.

  Non-Recourse: When you decide not to pay off your SmartTermLoan you will not be sent to collections, have your credit report impacted, or be liable for any other payments. If an extension for payment is needed, we will be happy to work with you on providing one and often will only require you to make a small payment representing the accrued interest and carrying charges.

• 4.

  Cash Value Guaranteed: a SmartTermLoan provides you with the ability to "have your cake and eat it too". If you decide not to repay your SmartTermLoan, we will simply sell your items on your behalf to cover the principal of the loan, accrued interest and carrying charges, and sales fee. Then, we will return any additional proceeds directly to you. This means that if the market value of your items increase during the term of your loan, you benefit. However, we bare the risk of the market value of your items decreasing. This is especially important when considering items like jewelry, precious metals, and collectibles that have a tendency to appreciate in value over time. We believe that any money from the appreciation of your valuables belongs to you.believe that any money from the appreciation of your valuables belongs to you.

• 5.

  Premium Valuations: Our appraisers have a unique and well qualified understanding of the jewelry, precious metals, gemstone, art, and collectibles markets. We employ market leading information databases and standards to provide your items the best possible appraisal value.

• 6.

  No Payments Due for 3 - 6 Months: a SmartTermLoan typically has a term of between 3 and 6 months. Unlike installment loans, there are no payments due during the term. If you are unable to make the payment on the loan expiration date, we will work with you to set up an extension and can usually extend the loan after payment of the accrued carrying charges.

• 7.

  Flexibility: a SmartTermLoan can be paid off at any time by paying only the principal, accrued carrying charges, and processing fees. Loans can usually be extended past the 3 - 6 month term by simply paying the accrued carrying charges.

• 8.

  Safe and Secure: Your valuables are shipped, at our costs and fully insured, by FedEx to our secure Processing and Appraisal Center which is secured by monitored alarm, electronic card access, and multiple industrial protective locks. Processing and appraisal of your items is fully monitored by digital imaging technologies and your items are vaulted for safekeeping directly after appraisal. Our online site is secured with multiple industry leading technologies and hosted at a world leader in secured data centers. We routinely monitor and review our processes to ensure ongoing security improvements.

• 9.

  No Hidden Charges: terms, conditions, and fees associated with all SmartTermLoans are clearly defined up front. Clients have the option to accept or decline any provisional offer with a full understanding of the loan costs before making a commitment.