Do you hold my money or my cards?
In short: Cards, yes, under a logged custody with locked storage and insured shipping. Money, no: grading fees are prepaid by you, and I do not provide escrow, hold funds or lend.
When cards are in my custody, after a break or for a hub submission, they are logged from intake to return, kept in locked storage, shipped insured and never mixed with anything the practice or I own.
Money is a different matter. I never hold it for anyone. Grading fees go to the grading company directly or as a pass-through invoice you pay before shipping, and my own fee is quoted in writing. The practice does not buy or sell cards, so there is never a transaction for me to hold money against.