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We are not a pawn shop.
We are a private concierge capital solution for people who already have assets. We operate under The Florida Pawnbroking Act — Florida Statute 539.001 — licensed by the Florida Department of Agriculture. By law, a licensed pawnbroker in Florida:
The pawn service charge may not exceed 25% of the amount financed for each 30-day period
You don't sell your house to get cash for a month — you borrow against it. Same idea, but with your Rolex or 5-carat diamond emerald cut ring, in 2 hours instead of 2 months. If you own it, it can work for you.
THREE PRIVATE OPTIONS
PRIVATE LUXURY ASSET LENDING
DIRECT PURCHASE AND LUXURY RESALE
DIRECT PURCHASE AND LUXURY RESALE
What is Luxury Asset Lending?
Access capital using a qualified luxury watch, fine jewelry, diamond or precious metal. Eligibility is based primarily on the asset’s value and required verification.
Think of it like this: You have a $40,000 Rolex Daytona you don't want to sell. But you need $20,000 for two months to close a deal, or cover tuition, or buy another watch at a great price.
You bring the watch to us. We put it in a $2M vault, fully insured. We wire you the cash same-day. We come to you — Miami Beach to Naples.
When you're ready, you pay us back what we wired + one fee, and you get your exact watch back. If you don't want it back, you don't have to — there's no credit score hit, no bank calling your parents, no collection. The watch just covers it. That's it.
It's not selling. It's private collateral liquidity. Your asset works for you while you still own it.
DIRECT PURCHASE AND LUXURY RESALE
DIRECT PURCHASE AND LUXURY RESALE
DIRECT PURCHASE AND LUXURY RESALE
Sell one asset or an entire collection through a private process with a clear market-informed offer and documented terms.
SPECIAL SOURCING
DIRECT PURCHASE AND LUXURY RESALE
SPECIAL SOURCING
Access rare watches, fine jewelry and important diamonds through our private luxury network. Special orders require a full deposit before sourcing begins.
PAYMENT INFORMATION
PRIVATE • SECURE • DOCUMENTED
For your convenience, XAMMANY Luxury accepts loan payments through the following approved methods:
WIRE TRANSFER
Banking instructions are provided directly to the client for secure payment.
ZELLE
XAMMANY LLC
728-777-6657
BANK CASHIER’S CHECK
Payable to: XAMMANY LLC
MONTHLY LOAN FEES
Your monthly loan fee is due on the date stated in your signed agreement. If your first payment period is less than 30 days, the applicable monthly fee may be prorated based on the number of days in the first payment period, as documented in your agreement.
Please submit payments on or before the due date to keep your account current.
LOAN PAYOFF & ASSET RETURN
When you are ready to pay off your loan, XAMMANY Luxury will provide a written payoff amount showing the balance and any applicable fees.
Once the payoff has been received and verified, your asset will be prepared for secure return. Please allow 24 to 48 hours for retrieval and release from secure storage.
OUR STANDARD
Every payment is documented.
Every agreement is in writing.
Every client knows the terms before proceeding.
Private • Direct • By Appointment Only
Know Your Worth™
We grow because our clients grow.
MONTHLY LOAN FEE COVER
The monthly fee is the cost of keeping your loan active for each 30-day period. Your percentage is based on the original loan amount and the rate shown on your signed agreement.
Example:
If your loan amount is $20,000 and your monthly fee is 8%, your monthly payment is $1,600 every 30 days while the loan remains active.
Paying the monthly fee does not reduce the original loan principal. It keeps the loan current and preserves your right to redeem your asset according to the terms of your agreement.
If your first payment period is shorter than 30 days, the first monthly fee may be prorated based on the number of days, as stated in your agreement.
When you are ready to redeem your asset, you pay the outstanding principal plus any applicable fees due under your agreement.
Clear terms. No surprises. Everything in writing.
