For borrowers
MarketLoan vs. selling your asset
Selling gets you cash once, but you lose the asset, its future upside, and may owe capital-gains tax on the sale. Borrowing against it on MarketLoan is being built to keep all three: you keep ownership, avoid a sale-triggered tax event, and get the exact item back when you repay — and you can still sell later if you choose.
Comparison table
| Dimension | Sell it | MarketLoan |
|---|---|---|
| Keep your asset | No — it's gone | Yes — returned when you repay |
| Future upside | Lost to the buyer | Stays with you |
| Tax on a sale | Possible capital gains | None — you're not selling |
| How value is set | Whatever a buyer offers | Independent, insured valuation |
| Reversible | No — one-time exit | Yes — repay and keep it, or sell later |
Illustrative comparison of the intended MarketLoan experience against a common alternative. MarketLoan is in development; final terms and availability are published at launch. This is not a rate or price comparison.
Ownership and upside
A sale is final: the asset and any future appreciation belong to the buyer. Borrowing against it keeps the asset in your name and keeps the upside with you. If it's something you'd rather keep, borrowing is designed to let you get liquidity without giving it up.
Tax treatment
Selling an appreciated asset can trigger a capital-gains tax bill. A loan is not a sale, so borrowing against an asset does not create that taxable event. This is general information, not tax advice — check your own situation with a tax professional.
Getting a fair number
A sale price is whatever a buyer will pay, which can be a lowball if you need cash fast. MarketLoan is being built so an independent, insured professional sets the valuation — so the amount reflects what the asset is genuinely worth, not a rushed offer.
Be first to know
MarketLoan is pre-launch. Join the waitlist and we'll keep you posted as we build.