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Xammany Luxury Capital is a private luxury collateral lending firm in Miami specializing in loans secured by luxury jewelry.
ABOUT
Purpose:
As the Founder and CEO of Xammany Luxury a private capital house specializing in luxury asset–backed liquidity.
I built quietly from the inside of major luxury maison, managing the production of engineering jewelry and fine watch craftsmanship to financial strategy—a triple combination of skillsets that is rare in the male dominated luxur
As the Founder and CEO of Xammany Luxury a private capital house specializing in luxury asset–backed liquidity.
I built quietly from the inside of major luxury maison, managing the production of engineering jewelry and fine watch craftsmanship to financial strategy—a triple combination of skillsets that is rare in the male dominated luxury industries.
As a trusted advisor and private lender for elite clients, I designed the private In-house consultations to provide the convenience and safety for one-on-one discussions about luxury assets.
We value privacy over exposure and do not position as a retailer or pawn operator.
Our Expertise
3 DIFFERENTIATORS
1. We price based on real secondary market demand, not retail illusion.
2. We understand manufacturing cost, margin structure, and resale behavior from the inside.
3. You translate luxury purchases into clear financial solutions.
By combining deep expertise in luxury valuation with a discreet, appointment-only service
3 DIFFERENTIATORS
1. We price based on real secondary market demand, not retail illusion.
2. We understand manufacturing cost, margin structure, and resale behavior from the inside.
3. You translate luxury purchases into clear financial solutions.
By combining deep expertise in luxury valuation with a discreet, appointment-only service model.
Xammany Luxury positions luxury assets as strategic financial tools for entrepreneurs, investors, and high-net-worth individuals.
Private In-Home Appointment
Private In-Home Appointment
Why Xammany Luxury Uses In-House Consultations?
Xammany Luxury operates by private consultation rather than a retail counter. The approach is designed to address several practical concerns when dealing with high-value jewelry and watches.
We meet with clients privately in their home, so everything stays comfortable and confidential.
There i
Why Xammany Luxury Uses In-House Consultations?
Xammany Luxury operates by private consultation rather than a retail counter. The approach is designed to address several practical concerns when dealing with high-value jewelry and watches.
We meet with clients privately in their home, so everything stays comfortable and confidential.
There is no store counter evaluation, and no pressure.
We simply look at the items, explain their value clearly, and help the client decide what they want to do.
No stuffy office setting.
No pawnshop energy.
Confidential guidance in the privacy — clear analysis, no pressure, entirely on your terms.
SERVICES
bUY BACK LOAN
Buy-Back Loan allows a client to access funding using a valuable item such as a luxury watch, fine jewelry, diamond, or precious metal as collateral.
The process works as follows:
- The client temporarily leaves the item with Xammany Luxury's local bank in insured and secured storage.
- Xammany Luxury provides funding based on the item’s current market value.
- The client keeps the option to buy back the item by repaying the loan amount and agreed loan fees.
If the loan is fully repaid, the item is returned to the client.
direct sale
Immediate Sell Without Friction
Clients want to sell assets into immediate cash without:
- monthly fee
- public exposure
- pressure from retail counter
- negative vibe in pawn shop
Outcome:
- no attachments
- get immediate cash
- emotional relief through clarity and speed
- personal transition
Exclusive Sourcing
Access to Off-Market Opportunities
Through our network, clients gain:
- Private buyers
- Rare timepieces without waitlists
- Direct sourcing channels
- Deposit required in full for order
Examples include brands like:
- Patek Philippe
- Audemars Piguet
- Rolex
Outcome:
- Faster acquisition of rare assets
- Better positioning in the collector market
Loan structure
for example:
A client pledges a Rolex watch as collateral.
Loan Amount: $20,000.
Monthly Loan Fee: $2000.
If the client repays: $22,000. in full plus any remaining loan fees
the Rolex watch is returned.
The item will be returned to the client within 24-48hrs of payment is received pending on bank schedule.
The client may request for a new loan at any time with the same or other qualified item.
Please review each section carefully for your understanding:
- I acknowledge and understand the terms of the Buy-Back Loan agreement.
- I understand that my account is currently in default due to non-payment.
The loan fee covers
- Use of the capital
- Insurance protection for the item
- Secure storage
- Administrative and compliance costs
All terms are fully disclosed in the written loan agreement before the transaction begins.
Please review each section carefully for your understanding:
- I understand that failure to submit full payment by the stated deadline will result in forfeiture of the pledged collateral and termination of my loan.
- I acknowledge that no further extensions are guaranteed and any prior accommodation does not modify the original agreement unless provided in writing.
- I understand that the loan fee is due every thirty (30) days and includes coverage for storage, insurance of the loan value, and agreed interest charges.
Prorated Schedule — on the 15th of Each Month
Prorated Schedule — on the 15th of Each Month
Loan Payment
To maintain consistency for all clients, all loan fees are due on the 15th of each month.
If a loan starts on a date other than the 15th, the first payment is prorated to cover only the number of days until the next 15th.
Best example is mortgage, rent or car insurance payment:
Loan Start Date: June 5
Next Payment Date: June 15
The client pays a prorated loan fee for the 10 days between June 5 and June 15.
Monthly Fee: $1000.
Loan Start Date: on the 5th of the month
Billing Date: on the 15th of each month
$1000 divided by 30 days = $33.33 per day
From the 5th to the 15th = 10 days
10 x 33.33 = $333.30 is prorated fee due for client to pay on June 15th.
After that the monthly fee is $1000. on the 15th of each month until loan is paid off in full plus any applicable fees remaining.
Please review each section carefully for your understanding:
- I understand that the loan will be subject to forfeiture upon two (2) missed payments, whether consecutive or non-consecutive, totaling sixty (60) days of non-payment beyond the five (5) day grace period provided under the agreement.
payment made simple
Final Cure Notice & Acknowledgment
Prorated Schedule — on the 15th of Each Month
Buy back & redemption
Final Cure Notice & Acknowledgment
Final Cure Notice & Acknowledgment
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Loan Payoff
Florida Pawnbroker Law
Loan Payoff must be in full
The loan may be paid off at any time.
To redeem the item, the client pays:
- The remaining loan balance, and
- Any loan fees due up to the payoff date
Once payment is completed, the item is returned to the client with 24-48hrs depending on bank schedule.
Late Payment — Florida Pawnbroker Law
Under Florida Pawnbroker Law (Chapter 539), a 5-day grace period is allowed after the payment due date.
Example:
Payment Due: July 15
Grace Period Ends: July 20
If payment is made within the grace period, the loan remains active.
Example: Prorated Fee Calculation
Monthly Fee: $1000.
Loan Start Date: the 5th of the month
Missed Payment
If payment is not made after the grace period:
The loan becomes past due.
However, the client may still redeem the item during the statutory redemption period, as long as the full amount owed is paid before forfeiture.
Final Cure Notice & Acknowledgment
Final Cure Notice & Acknowledgment
Final Cure Notice & Acknowledgment
Forfeiture (Florida Law)
Under Florida Statute Chapter 539, the client has 60 days from the loan due date to redeem the item.
If the loan and fees are not paid within this period: The collateral is considered forfeited. Ownership of the item legally transfers to the lender.
Default
A loan may enter default if:
- Loan fees are not paid
- The loan term expires
- The agreement terms are not followed
Default means the loan is no longer in good standing but may still be redeemable during the allowed period.
Example Timeline
Loan Fee Due: July 15
Grace Period Ends: July 20
Final Redemption Deadline (60 days): September 13
If the loan is not redeemed by that date the item becomes the lender’s that is (Xammany Luxury) property.
Transparency
Before any loan begins, clients receive:
- A written agreement
- Clear payment schedule
- Loan fee disclosure
- Florida pawnbroker statutory notices
The goal is clear expectations, transparency, and no surprises.
WHAT WE ACCEPT
ITEMS QUALIFICATION
Tier 1: Institutional Liquidity
Rolex
Patek Philippe
Audemars Piguet
F.P. Journe
Tier 2: Market-Driven Liquidity
Cartier
Van Cleef & Arpels
Graff
Harry Winston
Tiffany & Co.
Tier 3: Commodity-Based Liquidity
GIA-certified diamonds
High-karat gold
Bullion
designer Jewelry
Popular for liquidity:
Graff Diamond & High jewelry, especially Cartier and Can Cleef & Arpels collection hold better values.
High demand, quick liquidation, and strong resale value.
Loan amounts up to $50,000. based on quality and condition.
Diamond Tennis
Valuable for quick liquidity:
Diamonds and precious metal content define value.
Loan amounts up to $80,000.
Focus on quality over branding.
Custom & Non-Branded Jewelry
Material quality, craftsmanship, and design determine value.
Receive transparent guidance on market positioning and options.
Why Clients Trust Us
Trusted Judgment
Confidential consultations tailored for your privacy. Contact us for updates and exclusive opportunities.
Strategic Focus
We prioritize strategic outcomes over quick fixes. Reach out to learn about our approach and get early updates.
Exclusive Access
We select inquiries carefully to ensure personalized service. Contact us for questions and subscribe for launch updates.
Worldwide Connections
Connecting with global elite networks to serve your needs. Contact us for inquiries and subscribe for exclusive updates.
Our Elite Clients
Our core values are privacy, convenience and security.
Best For: Trust-Fund & Ultra-High-Net-Worth Clients
Elegant solutions for asset management, estate flexibility or opportunistic leverage.
Discreet capital, direct sales and private sourcing for clients who value privacy and speed.
Xammany Luxury is a private liquidity house providing discreet, asset-backed capital and direct acquisitions using fine jewelry and high-end watches for professionals, investors and high-profile clients.
Our service is exclusively designed for discretion and client comfort, that distinct from retail and pawn environments.
Valuables are protected, insured and professionally managed to provide peace of mind while you focus on what matters most: your life, your family and your freedom.
Xammany Luxury exists for clients who understand that exceptional assets are more than adornment. Whether you are divesting, unlocking liquidity or seeking clarity around value, they are capital that can work for you.
Best for:
Developers, investors, entrepreneurs, professionals and anyone who wants to leverage their luxury assets.
Our elite clients are well-traveled, prefer ease of funding, with discretion and reliable expertise to manage their valuable assets.
With Xammany Luxury Private Asset Funding House, clients can enjoy the freedom to focus on the present and plan for the future.
Global Access with direct relationships with elite buyers, lenders and luxury networks—activated only when appropriate.