Trust is built on transparency. When you bring a valuable item to Palm Beach Loan, we want you to understand exactly how we arrive at our offer. Unlike the “mystery numbers” given at some pawn shops, our process is based on verifiable market data.

Step 1: Authentication

Before we value an item, we must verify it.

• Watches: We check serial numbers, movement mechanics, and microscopic details to ensure authenticity.
• Diamonds: We verify the laser inscription against the GIA report. If there is no report, our expert gemologists perform a manual grading of the 4Cs (Cut, Color, Clarity, Carat).
• Gold: We use non-destructive X-ray fluorescence (XRF) technology to determine exact metal purity.

Step 2: Market Analysis

We do not guess values. We look at real-time secondary market data.

• What did this exact watch sell for at auction last week?
• What is the current “Rapaport” price list for a diamond of this spec?
• What is the spot price of gold right now?

Step 3: The Offer

Our loan offer is a percentage of this determined market value. This is the “Loan-to-Value” (LTV) ratio. Because we are experts who are confident in our appraisals, we can typically offer higher LTVs than our competitors who must “cushion” their offers against their own lack of knowledge.

Experience a transparent, professional appraisal. Visit Palm Beach Loan today.