Unbolted
Asset-backed P2P lending platform operated by Open Access Finance Limited (FRN 741896). Loans are secured against luxury collateral — gold, watches, fine art, classic cars and jewellery — with a digital pawnbroking model. Over £50m facilitated since 2016; £5,000 minimum and a secondary market for early exit.
General Information
Unbolted is an FCA-authorised P2P platform founded in 2014 operating a pawn-style lending model secured against luxury items — watches, art, jewellery, and classic cars — with approximately £38 million facilitated. The platform operates a secondary market.
How does it work?
Borrowers submit luxury items for valuation. Approved items are held as collateral. If a borrower defaults, Unbolted can sell the collateral to recover investor capital. LTV ratios are typically conservative.
What do they offer?
Luxury-asset-backed loans with a minimum of £1,000. Collateral includes watches, fine art, jewellery, wine, and classic cars. Secondary market available. Loan terms typically under 12 months.
Who is it for?
Suited to investors interested in asset-backed lending with non-traditional collateral. Luxury asset valuations can be volatile and subjective. Capital is at risk.
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