Secured Lending Built on the Value You Already Own
ALCA FINANZIARIA SPA is a specialist non-bank consumer lender focused exclusively on collateral-backed financing. We provide short-term credit secured against precious metals, fine jewelry, certified gemstones, and luxury timepieces. Our model is straightforward: your personal assets serve as collateral, you receive funds quickly, and your items are held securely until the loan is repaid. We eliminate the complexity of traditional bank lending — no credit scoring delays, no lengthy approval chains, no unexplained rejections. Every client receives a transparent valuation, a clear repayment schedule, and professional custody of their pledged assets throughout the loan term.
We accept gold, silver, platinum, and palladium in bar, coin, or jewellery form as collateral for short-term loans. Our in-house assayers evaluate purity and weight on the spot, providing an immediate offer based on live market rates. Loan terms range from 30 to 180 days with fixed interest clearly stated at signing.
Fine jewellery — whether heirloom pieces or contemporary designs — can be pledged to unlock liquidity without a permanent sale. Our gemologists assess each item individually, accounting for craftsmanship, stone quality, and brand provenance where applicable. Clients retain full ownership and reclaim their jewellery upon loan settlement.
Certified luxury timepieces from recognised manufactures are accepted as high-value collateral under our watch lending programme. We reference current secondary market data alongside condition reports to establish fair loan-to-value ratios. All watches are stored in climate-controlled, insured vaults for the duration of the pledge.
Loose diamonds, coloured gemstones, and gold holdings are evaluated by our certified specialists using industry-standard grading criteria. Loan amounts reflect realistic market liquidation values, ensuring clients receive competitive advances without understated offers. Repayment flexibility options are discussed at the point of agreement.
Once a valuation is agreed and documentation is completed, funds are disbursed on the same business day. Our streamlined process removes the waiting periods associated with bank lending, making us the practical choice for clients who need liquidity quickly. There are no hidden processing delays after an offer is accepted.
Every loan agreement states the principal, interest rate, total repayment amount, and all applicable fees in plain language before signing. We do not apply penalty charges without prior written disclosure, and our staff are trained to walk clients through every line of the contract. What you see at signing is exactly what you owe.
Pledged assets are transferred immediately to our insured, monitored storage facilities operated under strict chain-of-custody protocols. Each item is catalogued, photographed, and assigned a unique reference number linked to the client's loan file. Upon full repayment, assets are returned in the same condition they were received.