How It Works - Collectors Financing

How It Works · Loan Guide

Get a Loan Against
Your Graded Card.

Upload your card photos for review. We appraise using market comps and grading data, confirm terms, then fund once your card is verified in vault custody.

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Key Terms

APR

10%

Simple interest pricing with clear, transparent terms. No surprises.

LTV

10–20%

Range depends on liquidity, comps, and card profile.

Term

6 Months

Interest-only contract. Extend anytime if you need more time.

Storage

$5/mo

Insured, climate-controlled vault custody while your loan is active.

How It Works

Submit for Appraisal

Upload clear photos (front/back + grade label) and tell us what loan amount you’re requesting.

Vault & Fund

Ship to our Delaware vault. Once received and verified, your loan is funded within 24–48 hours.

Redeem Your Card

Interest-only 6-month contract. Repay the loan and we ship your card straight back to you.

Loan Guide

Living Player

~10% LTV

Often more short-term price movement. We stay conservative and base leverage on the most reliable comps.

Deceased Player

~20% LTV

Typically deeper historical comps and steadier demand for iconic cards, which can support higher leverage.

The Bottom Line

We build every offer from real market data and a conservative recovery lens — so terms stay consistent and transparent.

Extend Anytime

Need more time? Extend your 6-month term without penalty. We work with you, not against you.

Terms: 10% APR starting · 6-month interest-only contract · $5/month storage fee while in custody. Final offers vary by card, grade, and liquidity.

Example

Appraised Card Value

$10,000

Based on recent auction comps and grade-adjusted market data.

Estimated Loan Range

$1k–$2k

10–20% LTV depending on player status, liquidity, and comp depth.

APR: 10% starting

Term: 6 months

Storage: $5 / month

No prepayment penalty

No credit check

How We Price

Recent Sales Data We look at real, recent comparable sales to anchor our valuation — not estimates or stale data.
Grade & Condition The grading company, grade level, and card condition all factor into the offer.
Market Liquidity Cards that trade frequently and have deep demand support better terms.

Key Inputs We Ask For

Photos

Front / Back + Label

Clear lighting, no glare, label readable. Include any flaws if present.

Details

Year / Set / Player / Grade

Include cert # and serial/auto notes if applicable.

Your Request

Target Loan Amount

We’ll respond with a clear offer and next steps.

Get a Pricing Review →