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How It Works
What happens after you apply
Your asset is protected by agreement at every stage — before you ship anything, while it's in our custody, and through to repayment and return.
1
Submit your application
Fill in your asset details, upload photos, and tell us how much you are looking to borrow. Our team reviews every application and if approved, your listing goes live on the marketplace for lenders to browse.
No credit check required
2
Agree on terms and sign the custody agreement
Once a lender expresses interest in your listing, you agree on loan amount, APR, and duration together. Before anything ships, you and IUDEX sign a formal custody agreement — a legal document that protects your asset from the moment it leaves your hands.
Custody agreement signed first
3
Ship your asset to IUDEX custody
Once the custody agreement is signed, you ship your asset to us. Shipping costs are the borrower's responsibility and are collected upfront. Your asset is logged and photographed immediately upon receipt and held securely for the full loan term.
Shipping costs collected upfront
4
Authentication confirmed and funds released
Our team authenticates your asset and confirms custody with both you and the lender. Once confirmed, the lender releases funds through licensed third-party escrow directly to you. Storage fees are either paid upfront at a discounted rate or settled at repayment.
Funds via licensed escrow
5
Repay at maturity and get your asset back
Repay the agreed loan amount plus interest by the maturity date. Once repayment is confirmed, your asset is shipped back to you immediately. Need more time? Borrowers and lenders can renegotiate and extend the loan term for a loan extension fee charged by IUDEX.
Asset returned on repayment
Custody agreement first
You never ship your asset without a signed legal agreement in place. Your asset is protected by contract before it leaves your hands.
Funds through licensed escrow
All loan capital flows through a licensed third-party escrow service. Funds are released to you only after authentication is confirmed by both parties.
Transparent process, documented at every step
Every custody action is logged and both parties can see the status of the asset in real time. Nothing happens without confirmation from both sides.
Common questions from borrowers
Your asset is covered under the custody agreement from the moment it arrives. The agreement defines the protections in place during storage and transit, and IUDEX liability up to the authenticated appraised value of your asset. If anything happens, the custody agreement governs resolution. We recommend reviewing it carefully before signing.
A late fee applies for each week past the maturity date. Alternatively, you and the lender can agree to extend the loan term — IUDEX charges a loan extension fee to rebook the agreement. If you are unable to repay and no extension is agreed, IUDEX and the lender reserve the right to liquidate the collateral asset to recover the outstanding balance. This is outlined clearly in your loan agreement before you sign anything.
No. IUDEX loans are collateral based, not credit based. Your asset is what backs the loan, not your credit history. As long as your asset is authentic and in acceptable condition, your credit score is not a factor.
Loan to value ratios are agreed between you and the lender, typically between 50% and 70% of the authenticated appraised value. The exact amount depends on your asset, its condition, and the lender's assessment.
IUDEX holds your watch in secure storage for the full duration of the loan. It is logged and authenticated upon receipt. Storage details and coverage are specified in your custody agreement.
Storage fees are the borrower's responsibility. You can pay them upfront at a discounted rate, or settle them at the time of repayment at the standard rate. All fees are disclosed in full before you agree to anything.