For borrowers
A better option than selling, pawning, or borrowing unsecured
When you need liquidity and your wealth is in things you own, the usual options each cost you something real. Here's how MarketLoan is designed to be different.
Comparison table
| Dimension | Sell it | Pawn it | Unsecured loan | MarketLoan |
|---|---|---|---|---|
| Keep your asset | No — it's gone | Only if you repay | Yes | Yes — returned when you repay |
| How it's valued | Buyer's offer | Shop's counter | N/A | Insured independent valuation |
| Tax on a sale | Possible capital gains | None | None | None — you're not selling |
| Priced on collateral | N/A | Partly, but distress-priced | No — priced on your credit | Yes — secured pricing |
| Built for | One-time exit | Small, short-term distress loans | General borrowing | Fair-rate liquidity from real assets |
Illustrative comparison of the intended MarketLoan experience against common alternatives. MarketLoan is in development; final terms and availability will be published at launch.
vs. selling
Selling gets you cash once, but you lose the asset, its future upside, and potentially owe tax on the gain. Borrowing against it keeps all three — and you can still sell later if you want to.
vs. pawn shops
Pawn is built for small, short-term, distress-driven loans, valued at a fraction of what your asset is really worth, with renewal fees designed to keep the loan alive. MarketLoan is built around an honest, independent valuation and clear terms.
vs. unsecured loans
Personal loans and credit cards price you on your credit profile, not on what you own — so the rate carries a premium for risk that your collateral would otherwise remove. Secured lending is designed to take that premium out.
Be first to know
MarketLoan is pre-launch. Join the waitlist and we'll keep you posted as we build.