PledgeTrusted by 14,000 Families
Across Three Counties
Since 1987.
When an executor needs to liquidate a collection before probate closes, when a client requires bridge capital without a credit inquiry, when closing costs arrive before the wire — Pledge has been the quiet answer since Ronald Reagan’s first term.
Heirlooms cross our counter and walk back home again. Watches, rings, instruments, tools — each one appraised under a jeweler’s loupe by hand, valued fairly, and returned when life steadies out. We are not a last resort. We are a professional instrument.
In thirty-one years of estate work, I have referred executors to Pledge more times than I can count. When a collection must be liquidated before probate closes and the heirs need interim capital, there is no faster, more transparent instrument available. Pledge appraises accurately, documents meticulously, and treats every item as if it were their own.
Margaret Holloway
Estate Attorney — Holloway & Vance, LLP
Practicing since 1993 · Tri-County Bar Association
A loan against property you already own — no credit check, no income verification, no judgment.
You bring an item of value. We appraise it by hand under a jeweler's loupe or with certified instruments. We offer a loan amount — typically 40 to 60 percent of resale value, enough to be meaningful without overextending. You take the cash. Your item is stored in climate-controlled, fully insured premises. When you're ready — at any point within the agreed term — you pay the principal plus a flat monthly fee and walk out with your property. If circumstances prevent redemption, the item is sold at fair market value; if it sells above the loan balance, the surplus returns to you.
Monthly rates range from 2.5% to 4%, depending on item category and loan duration. No prepayment penalty. No rollover coercion.
My clients come to me because they need capital without a credit inquiry on record. Pledge fills a gap that no bank product can. The appraisal is conservative but fair, the terms are transparent, and in eleven years of sending clients their way, I have never had a complaint. That is a remarkable record for any financial services provider.
Dennis Okafor
Certified Financial Planner — Okafor Wealth Advisory
CFP® · 22 years in practice · Referral partner since 2013
I send jewelry to Pledge for independent appraisal when my own valuation needs a second opinion for insurance purposes. Their gemologist has forty years on the bench. I have never seen an estate piece mis-graded. For a jeweler, that kind of accuracy from a competitor is rare enough to deserve acknowledgment.
Constance Beaulieu
Master Jeweler & Gemologist — Beaulieu Fine Jewelers
GIA Graduate Gemologist · 40 years appraising
Your clients have already heard from three colleagues.
The question is whether you’d like to be the fourth.
Fine watches. Estate jewelry. Musical instruments. Photographic equipment. Hand tools. Silver and flatware.
If it holds value and can be stored, we can appraise it. Our bench gemologist holds a GIA Graduate Gemologist credential. Our horologist is certified by the American Watchmakers-Clockmakers Institute. We do not appraise vehicles, real property, or livestock. We do not accept items without clear provenance documentation. Every appraisal is written, signed, and provided to the client at no charge regardless of whether a loan is made.
Common categories: Swiss and Japanese mechanical watches · Diamond and colored stone jewelry · Vintage and professional cameras · Acoustic and electric instruments · Antique silver · Signed fine art prints
Closing costs have a way of materializing at the worst possible moment. When a client's sale is contingent and the funds are tied up in escrow, Pledge has bridged the gap more than once. The loan closes in a day. The guitar or the watch goes back to its owner at closing. Clean, documented, professional.
Yvette Marchetti
Licensed Real Estate Agent — Marchetti Residential Group
Top 1% Tri-County · Referral partner since 2019
We serve the full tri-county corridor
from a single, permanent address.
Our shop has occupied the same storefront on Harwick Main Street since 1987. Clients drive from all three counties. Estate attorneys refer from as far as the state capital. We do not operate pop-ups or kiosks. Permanence is part of the service.
Harwick County
Primary service area. Same-day appraisal available.
Caldwell County
Full service. Estate and estate attorney referrals prioritized.
Dunmore County
Scheduled appointments available. Mobile appraisal for large collections.
247 Main Street, Harwick City
Mon–Fri 9am–6pm · Sat 10am–4pm · Appointments available evenings
Collateral
Lender
A+
Rated
Member
2026
Certified
Appraisal
All credentials available for review at our premises. Licensing documentation filed with the State Department of Financial Institutions.
Become a Referral Partner.
Attorneys, financial advisors, realtors, and jewelers across three counties have formalized their referral relationship with Pledge. The process takes five minutes. The benefit to your clients is immediate.
Formalise Your Partnership
We will contact you within one business day to discuss referral logistics, documentation, and any questions about our process.
Not ready to formalise?
Download our Referral Guide — a six-page document written for professionals explaining our process, our rates, our storage protocols, and how a referral conversation with a client typically proceeds.
The Pledge Referral Guide
For Professional Advisors · 6 pages
We do not share professional contact information. Your email is used solely to deliver the guide and, if you choose, to follow up once.