Liquidity backed by gold.
Not a loan.
PieroCash gives you access to liquidity using your FPJ jewels or grams as backing. It's a sale with a buyback agreement, with secure custody of your gold: patrimonial backing, not a loan. Simulate your liquidity here at today's quote; every transaction is confirmed by a specialist advisor.
Your gold, without losing your patrimonial position.
Access liquidity in pesos backed by your own gold. It's a sale with a buyback agreement: your jewel or your grams stay in secure custody and you keep the right to recover them within the term.
For clients of the FPJ ecosystem.
- Certified FPJ jewels
FPJ pieces with an invoice or traceability.
- Accumulated grams
Grams in your FPJ Plan de Ahorro.
- Not eligible
Third-party jewels are not accepted.
Simulate your PieroCash.
Choose the gold type, the karat, the weight and the term. We calculate at today's gold quote, with our appraisal table.
Today's quote, 18k gold: $297.520 COP / g. Updated Sunday, November 1 at 11:15, Bogotá time.
Between 0.5 and 1000 g.
Liquidity you receive $624.792 COP
For 3 g of Italian 18k gold, as a new client.
To recover your gold you pay $791.489 COP in total, within 60 calendar days.
Your 60-day buyback
- Principal
- $624.792 COP
- Administrative costs (VAT included)
- $74.727 COP
- Custody insurance (VAT included)
- $68.727 COP
- Interest (1.86% monthly)
- $23.242 COP
- Total to pay for the buyback
- $791.489 COP
- Taxes included in the transaction
- $23.936 COP
- Term
- 60 calendar days
- Recommended payments
- 2 payments of $395.744 COP
- By PSE (+4.5%)
- 2 payments of $413.553 COP
An informative simulation at today's gold quote. The final value is set by an advisor after appraising the piece in person.
See the full calculation
Your simulation, step by step, with the column names of our appraisal table.
The appraisal
- Day's quote value (18k, per gram)
- $297.520 COP / g
- Today's 18k gold quote, the same as the site's ticker.
- Commercial value per gram
- $238.016 COP / g
- Italian: 80% of the quote.
- Commercial value (pre-owned)
- $714.048 COP
- Commercial value per gram × 3 g.
- Contract value, new client · Your liquidity
- $624.792 COP
- Italian: 70% of the quote × 3 g.
- Discount margin, new client
- $89.256 COP
- Commercial value minus the new client's contract value.
- Contract value, returning client
- $669.420 COP
- Italian: 75% of the quote × 3 g.
- Discount margin, returning client
- $44.628 COP
- Commercial value minus the returning client's contract value.
- Opening auction value per gram
- $309.421 COP / g
- Commercial value per gram × 1.3: it opens 30% above the commercial value.
- Opening auction sale value
- $928.262 COP
- Opening auction value per gram × 3 g. It's the value the piece's sale would open at if you don't exercise the buyback.
The 60-day buyback
- Principal
- $624.792 COP
- The contract value: the liquidity you receive.
- Administrative costs (VAT included)
- $74.727 COP
- 11% of the principal plus $6.000 COP.
- Custody insurance (VAT included)
- $68.727 COP
- 11% of the principal.
- Interest (1.86% monthly)
- $23.242 COP
- 1.86% monthly on the principal, for 2 months.
- Total to pay for the buyback
- $791.489 COP
- Principal plus administrative costs, custody insurance and interest.
- Taxes included in the transaction
- $23.936 COP
- Already inside the total; they are not added on top.
- Recommended payments
- 2 payments of $395.744 COP
- The total split into 2 equal payments.
- By PSE (+4.5%)
- 2 payments of $413.553 COP
- Each PSE payment carries an extra 4.5%.
If you have 3 g or more saved in your Plan de Ahorro, request it from your account. If your backing is an FPJ jewel, or you are not saving with us yet, an advisor will guide you.
The concept, step by step.
This is the process, from your backing to the liquidity and back. You can simulate the figures on this page; an advisor confirms the final value after reviewing your piece or your grams.
- Step 01You choose your backing: a certified FPJ jewel or the grams in your Plan de Ahorro.
- Step 02An advisor reviews the piece or the grams with you: the gold type, the karat and the weight.
- Step 03The quote starts from the day's gold price. It's the same calculation as the simulator on this page.Go to the simulator
- Step 04You sign the sale with a buyback agreement and receive the liquidity in Colombian pesos. Your jewel stays in FPJ's secure custody.
- Step 05You recover your jewel or your grams by paying the buyback within the term: 60 or 30 calendar days.
Why it isn't credit.
It's a sale with a buyback agreement: you sell your jewel and keep the right to buy it back within the term.
It does not report you to credit bureaus.
It requires no co-signer or external guarantees.
The backing is your own jewel or your grams.
Handled with a specialist advisor.
Is your backing an FPJ jewel, or are you not saving with us yet? An advisor reviews your case with you. Message us on WhatsApp or leave your details and we will reach out to schedule the advisory.