Our Story

It started 20 years ago.

Discreet Collateral Loan (DCL) was founded in 2014 to serve San Diego's needs for providing pawn or collateral loans and buying estate jewelry. With over 20 years in the jewelry and pawn industry, DCL founder, Michael Schube set out to establish a private and discreet atmosphere for handling transactions that require honesty, discreet, and superb service. "I believe DCL is a niche business in San Diego, that isn't like most pawnshops.

We meet with our clients on-on-one in an office setting. When our clients come in they know they're going to get the individual service they need, especially for higher-end items that at times requires more time in authentication and evaluation."
With a background in jewelry and diamond manufacturing as well as working for the USA's largest privately and publicly held pawnshop chain the timing was right to continue within the asset lending business. "Having worked for some of the top industry leaders has enabled me to continue on my own, but with my own twist to servicing my customers.

I want DCL to be a place where people can come to and not feel uncomfortable. Small Business Owners, a Doctor or Lawyer, retiring couple, the list goes on. We are here for our clients 24 hours a day/7 days a week" .