Turn Assets Into Access.

Solving "Dead Capital" by turning personal property (phones, consoles, luxury goods) into verified collateral.

Read Documentation How We Score Loans

$312M

Total Originated

$8,500

Avg Loan Size

2.1%

Default Rate

18.4%

Net Yield

Value Flow Through the System

Track how physical assets transform into verified collateral and funded loans

Value Flow (Sankey)

Recovery Rate on Defaults:94%

Risk Management Dashboard

Weighted Avg LTV

62%

Target: < 70%

Default Rate

2.1%

Target: < 5%

Recovery Rate

94%

Target: > 90%

Portfolio at Risk

3.8%

Target: < 10%

Portfolio Health: Excellent

All key risk metrics within acceptable thresholds. Net yield: 18.4%

Repayment Waterfall

Loan Principal$100

Platform Fees($3)

Lender Interest($18)

Reserve Fund($2)

Borrower Equity($77)

Priority order: Platform fees → Lender principal → Lender interest → Reserve → Borrower equity

Typical Loan Terms

Loan-to-Value (LTV)

50-70%

Interest Rate (APR)

18-28%

Loan Term

3-12 months

Min Loan Amount

$1,000

Investor Materials

Ready for the Deep Dive?

Explore the full investment thesis behind Proveniq Capital—the "Pawn Killer" strategy, secured lending economics, and how we will disrupt the $200B personal lending market.

Deep Dive: Investment Thesis CPVL Compliance Docs

Turn Assets Into Access.

Solving "Dead Capital" by turning personal property (phones, consoles, luxury goods) into verified collateral.

Read Documentation How We Score Loans

$312M

Total Originated

$8,500

Avg Loan Size

2.1%

Default Rate

18.4%

Net Yield

Value Flow Through the System

Track how physical assets transform into verified collateral and funded loans

Value Flow (Sankey)

Recovery Rate on Defaults:94%

Risk Management Dashboard

Weighted Avg LTV

62%

Target: < 70%

Default Rate

2.1%

Target: < 5%

Recovery Rate

94%

Target: > 90%

Portfolio at Risk

3.8%

Target: < 10%

Portfolio Health: Excellent

All key risk metrics within acceptable thresholds. Net yield: 18.4%

Repayment Waterfall

Loan Principal$100

Platform Fees($3)

Lender Interest($18)

Reserve Fund($2)

Borrower Equity($77)

Priority order: Platform fees → Lender principal → Lender interest → Reserve → Borrower equity

Typical Loan Terms

Loan-to-Value (LTV)

50-70%

Interest Rate (APR)

18-28%

Loan Term

3-12 months

Min Loan Amount

$1,000

Investor Materials

Ready for the Deep Dive?

Explore the full investment thesis behind Proveniq Capital—the "Pawn Killer" strategy, secured lending economics, and how we will disrupt the $200B personal lending market.

Deep Dive: Investment Thesis CPVL Compliance Docs