ELMA FINANZIARIA SPA offers a structured range of asset-backed lending products designed to meet different financial needs and collateral types. Whether you are looking to unlock short-term liquidity from inherited jewelry, finance an unexpected expense using your gold holdings, or simply need a fast credit solution without a bank account review, we have a product built for you. Each solution is backed by a professional appraisal process and governed by a clear, written loan agreement. Explore the options below to understand which product best fits your situation.
We accept gold in all standard purities (9k, 14k, 18k, 22k, 24k), as well as silver and platinum items. Coins, bars, and jewelry are all eligible, and our appraisers use real-time spot prices to ensure you receive a current and fair valuation.
Certified diamonds and high-quality coloured gemstones are accepted as primary or supplementary collateral. Our in-house gemologist assesses cut, clarity, carat weight, and colour using calibrated instruments, and we cross-reference results with current wholesale market benchmarks.
Timepieces from recognised luxury manufacturers are accepted as collateral, provided they are in working condition and accompanied by original documentation where available. We assess both the intrinsic and collector market value to arrive at the most favourable loan offer.
High-value jewelry pieces and antique items of demonstrable precious-material content are evaluated on a case-by-case basis. Our appraisers consider both material value and craftsmanship, and will always explain the components of your item's assessed value.
Our classic pawn loan offers immediate liquidity against pledged assets with a fixed term of 30 to 90 days. At the end of the term, you repay the principal plus agreed interest to reclaim your item, or you may extend the loan for an additional period.
For clients needing financing over a longer horizon, we offer secured credit arrangements of up to 12 months. The interest structure is clearly defined from day one, and partial repayments are accepted at any point during the term without penalty.
Clients with multiple valuable items can consolidate them under a single loan agreement, simplifying repayment and potentially increasing the total credit available. This option is particularly suited to clients with diversified precious asset portfolios.