Sanctum Financial Group [SFG1] — Collateral-Backed ISK Lending
Looking to expand a fleet, fund an industrial project, or bridge a gap without liquidating your assets? New Eden Credit Union offers collateral-backed ISK loans with transparent, risk-based terms — no hidden fees, no surprises.
How it works
- You apply and provide basic verification (character age, corp history, SP — all pulled from public/ESI data, nothing sketchy required).
- You post collateral (ships, minerals, PLEX, skill injectors) worth more than the loan amount.
- We run your file through a standardized risk grid — the same one every applicant goes through, no favoritism.
- You get a rate and a minimum collateral requirement based on your risk category, not a guess.
- Weekly or monthly repayment, your choice, agreed before any ISK moves.
Why collateral above 100%?
Because 100% collateral only covers the principal — not interest, not the discount we’d eat liquidating your assets in a hurry, not market swings. Our minimum requirements (120%–200% depending on risk category) exist to protect both sides: you don’t lose more than your loan is worth, and we don’t take a loss trying to recover it.
Risk categories (illustrative)
| Category | Profile | Rate | Min. collateral |
|---|---|---|---|
| A — Low risk | Established character, strong history, high-liquidity collateral | 5% flat (total) | 120% |
| B — Moderate risk | Solid but newer or mixed profile | 10% flat (total) | 150% |
| C — High risk | Limited history, less liquid collateral | 20% flat (total) | 200% |
| D | Insufficient verification or collateral | — | Not approved |
What we accept as collateral
PLEX, skill injectors, common high-demand ships, minerals, and (at a lower rate) niche/faction ships or BPOs/BPCs.
Why trust us
- Every applicant goes through the same objective scoring grid — nothing decided on a whim.
- All funds and collateral are held in a dedicated corp with its own wallet divisions, kept separate from personal assets.
- We’re starting small and building a track record on purpose — happy to start with a modest first loan and scale up from there.
- References available from [corp/alliance] members on request.
How to apply
Mail or convo Skulldead4 in-game, or reply here / DM on Discord: Skulldead44. Include your character name, the amount you’re looking for, and what you’re planning to post as collateral — we’ll walk you through the rest.
Sanctum Financial Group is not affiliated with any official EVE Online lending program. All terms are set case-by-case based on our risk assessment; nothing here is a guaranteed offer until confirmed in writing (in-game mail or contract).