Lenders

With our P2P loan platform, you can lend available funds to a fellow storage customer who pledges their metal parcels in S.T.A.R. Storage as collateral (valued at spot price) to secure the loan.

As a storage customer with funds in your P2P account, you can:

• Lend funds and have them secured by 200%* worth of collateral.

  *Only the 1-month loans can be funded with a lower ratio of 160% (or about a 50% loan to value ratio).

• Set your own interest rate, currency and loan duration
• Rely on timely payments, through the sweeper fund system
• Enjoy simple online procedures and transparent processes
• Pay only a low fee of the lent principal

Should the loan principal not be repaid on time, or should the value of the collateral securing your loan fall to 110% of principal, Silver Bullion will liquidate (sell) the collateral to ensure you receive principal and interest. Should a scheduled loan payment be late, the Sweeper Fund will act as a buffer, given funds availability, to ensure timely payments.

Loans always start on the 1^st, 8^th, 15^th and 22^nd of the month, allowing you to roll over funds from one loan to another without downtime and allowing you to choose your interest rates, currency and duration. We only charge a 0.5% administrative fee for 6, 12 and 24-month loan tenures. A 1.0% fee is charged for 1-month loans..

See the Loan Schedule for more details.

Popular Lender Uses

• 

  Eliminate Storage Payments (if applicable)

  If you also own bullion you can use earned interest to pay your bullion storage charges.

• 

  Maximize Lending Returns

  Obtain great risk/reward returns and re-lend earned interest (roll-over) to maximize your lending returns.

• 

  Protect Your Funds

  Diversify away from thinly capitalized financial systems and protect your lent funds with 200%* worth of collateral, which in turn is fully insured against fire, theft, infidelity and even mysterious disappearance.

  *Only the 1-month loans can be funded with a lower ratio of 160% (or about a 50% loan to value ratio).

How to Lend

• 
  1
  Fund your P2P account
• 
  2
  Set your lending terms
• 
  3
  Post your lending offer and wait for borrower(s)
• Watch Video (1:13)

Step 1. Fund your P2P account

• (Next Step )

In order to lend, you need to send funds to your P2P account. (View options to fund your P2P account)

Step 2. Set your lending terms

• (Next Step )

Log into your S.T.A.R. Storage account and set the terms for your lending offer.

The terms you can set: Loan Currency, Loan Duration, Offered Interest Rate, and Loan Amount. (Click to enlarge)

Under the “Valid Until” option, you can choose to have your lending offer carried forward to subsequent bidding periods until you cancel it or for selected period only, in the event that your lending offer is not fulfilled during the current bidding period.

Step 3. Post your new lending offer & wait for borrower(s) acceptance

• (Watch Video )

Review all terms before posting your lending offer.

Lending Offer Summary

Lend:	Loan amount and due date for funds transfer
Receive:	Principal plus interest after deducting administrative fees and maturity date
Loan Interest:	Interest receivable at the end of the loan contract
Administrative Fees:	0.5% of Loan Amount
Loan Term:	Duration of loan contract
Multiple Borrowers:	Allows/disallows multiple borrowers to fulfill the lending offer

A new lending offer, ready for submission. (Click to enlarge)

Once you have confirmed and submit your lending offer, our auto matching system will try to find a borrowing request that matches your terms.

• If a matching borrowing request is found:

  A loan contract will be created immediately.

• If a matching borrowing request is not found:

  Your lending offer will be posted on our listing page for potential borrowers to match. A contract will be created when a borrower accepts your lending offer.

When a contract is created, you will be informed via secured notification. Silver Bullion will act as an escrow to enforce the contract by collecting and disbursing funds between the parties and locking collateral.

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Loan Contracts

Find out more:

For Borrowers

FAQ

P2P Funding Options and Start Dates

Market