New to luxury collateral lending? The complete how-it-works guide covers the five-step process, eligible asset classes, LTV explained, storage, and what happens at repayment — all in plain language.

How is this different from a traditional pawn shop?

We specialize in luxury collateral and lend at 50–65% LTV instead of the 25–40% mass-market pawn shops offer. Different exit network, different math.

Can I use this for business cash flow?

Yes — many of our clients use asset-backed loans for bridge financing, payroll gaps, opportunity capital, or inventory deposits. The asset is yours; the use is yours.

Will you pull my credit?

Ask the licensed lender what it reviews, and read the written terms before you sign. For a full explanation of how privacy works in practice, see confidential luxury collateral loans.

How fast does it fund?

Funding timelines vary and are confirmed by the lender in writing before you sign.

What's the loan term?

Loan terms and any renewal options are determined by the lender and disclosed in writing before you sign.

What happens if I don't repay?

What happens at maturity or default is set out in the written loan agreement. Read it, and verify the lender's license, before you sign.

Is my asset insured?

Storage and insurance arrangements for collateral are set out in writing by the licensed lender before you sign.

Where do I bring the asset?

Appraisal happens in person with the licensed lender; the location is confirmed when you book. Verify the lender's license before you hand over the asset.

FAQ.