Collectibles Financing: Cash From Your Collection Without Selling It

Unlock its value through prepaid consignment: a fixed-term cash prepayment against eligible assets. You retain ownership and choose how the term ends.

See what your collection qualifies for

What Collectibles Financing Means

If you own a collection worth real money and need cash, selling it gives you money but gives up the asset. A credit card or personal loan lets the collection stay home, but asks you to pay a lender for money that has nothing to do with the asset you already own.

Collectibles financing is a third option. You consign eligible assets to Pledge, receive a cash prepayment against their value, and retain ownership during the term. At the end, you can withdraw, extend, or settle.

Displayed Value Is Not Cash Value

A price-guide number or comparable sale is not necessarily what you can realize in cash. Dealer discounts, marketplace fees, the wait for a buyer, and fulfillment all affect the amount that reaches you.

A local card shop typically pays 70 to 80% of market value because it needs room to resell. A convention buyer may pay 80 to 90%. Selling on a marketplace can return more, but you may pay 10 to 13% in fees, wait for a buyer, and handle fulfillment.

A card showing $1,000 of displayed value may be closer to $800 in cash terms before the wait. That is why a prepayment should be compared with realistic sale proceeds, not only a price-guide number.

For example, a prepayment in the mid-$500s against that card is closer to 70% of realistic sale proceeds, while you still retain ownership during the term.

See the full valuation method on our Pokémon card value page.

Three Ways to Get Cash

Selling gives up the asset. A credit card is unsecured revolving debt: the balance compounds at the rate your card carries, has no fixed end date, and is money rented against future income.

Pledge starts with value you already hold. It provides a fixed-term prepayment against an eligible asset, with 60-, 90-, or 120-day terms and fees named in the agreement. There is no revolving balance: the cost is a storage fee on an asset in a vault, not a rate on a debt. Neither option is free; the difference is what the cost is attached to and whether it ends.

Selling

Keep the asset?: No. A sale transfers ownership.
Cash timing: Cash follows a buyer, negotiation, and fulfillment.
Best when: You are done with the asset and want the highest possible sale proceeds.

Credit card

Keep the asset?: Yes. Your collection stays home.
Cash timing: Cash is available through a revolving credit balance.
Best when: You are comfortable borrowing against future income and managing the balance.

Pledge

Keep the asset?: Yes. You retain ownership during the term.
Cash timing: Cash payout within 48 hours of arrival.
Best when: You need cash from value already held in an eligible collection.

A Good Fit When

You need cash, expect to want the collection back, and have eligible assets with meaningful value.

The Wrong Fit When

You are done with the asset, your collection is bulk or ineligible, or you cannot see a path to repaying if getting it back matters to you. Selling outright can net more cash if you do not expect to want the asset back. Settlement is legitimate, but Pledge keeps unsold assets, so have a plan to withdraw if the collection matters to you.

The Numbers, Up Front

Every number appears in your Prepaid Consignment Agreement before anything ships. Your obligations are fixed on day one.

Prepayment	45 to 68% of market value
Storage fee	1 to 1.5% per month
Processing fee	$2 to $100
Commission	5 to 7%, only if the customer chooses to sell
Initial term	60, 90, or 120 days
Grace period	28 days
Extension	Add 45 days
Minimum submission	$500 combined value

How It Works

Submit your collection. Tell us what you have and include certification numbers when available.
Ship insured. Send eligible assets via UPS using the instructions in our shipping guide. Liability transfers to Pledge when your assets begin authentication. Read the shipping guide.
Authentication. Pledge authenticates and verifies each asset after arrival.
Receive your prepayment. Cash payout within 48 hours of arrival.

Choose What Happens at the End of Your Term

Withdraw

Pay back the prepayment and outstanding fees. Your assets ship home.

Extend

Pay a small fee and add 45 days to your term.

Settle

Keep the prepayment. Pledge keeps unsold assets, and any sale profit above your obligation is returned to you.

Selling is optional. A voluntary sale requires your express consent and starts only when you set a Target Payout Price in the system. The shared disclosure below governs retention or sale if obligations are not satisfied.

What Pledge Finances

Eligibility depends on the asset and its condition. Start with the category closest to your collection for the current requirements.

Pokémon cards and sealed product

Sneakers

Sports cards

One Piece cards and sealed boxes

For accepted card categories, Pledge accepts PSA-graded slabs, plus factory-sealed Pokémon and One Piece boxes. There are no raw or ungraded cards, and no other grading companies' holders at this time. A binder of commons is not eligible at any quantity; a local shop is the better answer.

Your Collection Stays Protected

Insured custody

Eligible assets are held in insured custody during the term.

You retain ownership

You are the consignor. Pledge holds the assets as consignee while the term runs.

No hidden terms

Fees, terms, and end-of-term options are named in the agreement before you ship.

Is this a loan?

No. It is prepaid consignment. You consign eligible assets to Pledge and receive a cash prepayment against their value. There is no credit check and no revolving balance.

Do I keep ownership of my collection?

Yes. You remain the consignor and retain ownership during the term. If you withdraw, your assets ship back to you.

What happens if the market drops during my term?

Your obligations are fixed on day one. Market-price changes do not change the terms you agreed to. Pledge does not force a sale solely because prices fall; the shared disclosure governs retention or sale if obligations are not satisfied.

How fast is it?

Cash payout within 48 hours of arrival.

Do I have to sell anything?

No. Selling is optional and requires your express consent. You can withdraw, extend, or settle at the end of your term. Most contracts end with the customer paying back and taking everything home.

What is the minimum?

$500 combined value.

Ready to See What You Qualify For?