Luxury Asset Finance
Watches, art, jewellery and fine wine — discreetly funded.
Lombard-style lending against insured, appraised luxury assets — typically used as bridge liquidity for HNW clients.
Ticket size
£25K – £10M
Turnaround
Funds in 5 days
Capital partners
11+
Composes with
2 sectors
Key highlights
What sets this apart.
Discreet vaulting
Up to 70% LTV
Roll-over interest
The problem
Why this capability exists.
Selling collectibles to release liquidity destroys long-term value. Lombard lending against them preserves the asset.
Our approach
- 01
Independent appraisal and insured vaulting.
- 02
Match to specialist Lombard lenders.
- 03
Structure roll-over interest for liquidity-only use cases.
Outcomes you can expect
- Up to 70% LTV on qualifying assets
- Insured vaulting with audit access
- Discretion baked into every step
Typical structures
How luxury asset finance deals are commonly built.
Indicative structures we orchestrate across our capital partners. Final terms depend on borrower profile, asset and exit.
Hire Purchase / Lease
Asset-secured, balance-sheet or off-balance-sheet treatments.
Invoice Finance
Confidential or disclosed; advance rates 80–90% of debtor book.
Revenue-Based Finance
Repayments flex with monthly revenue — ARR or e-commerce backed.
Library OS
Live signal · stack ideas · audience fit.
Three modules that turn this capability page into an orchestration view, not a brochure.
Lender appetite right now
What our desk is seeing on this capability this week.
- up
Independent funder · Soft asset finance (tech)
Re-focusing on mid-ticket; sub-£25k routed to platform partners.
Min ticket lifted to £25k (was £10k)
- down
Alt-fintech lender · Revenue-based finance
Second consecutive quarter of arrears uptick in casual dining cohort.
Pulled appetite for hospitality
- down
Captive OEM finance · Heavy plant + yellow metal
Manufacturer subsidy to clear Q1 stock. Closes 30 June.
0% interest on 36-month deals to £250k
Who this fits
Audience fit, scored from the brief.
HNW & family offices
100%
Structured credit, complex cases, cross-border, tax-efficient capital.
SME founders & CFOs
50%
Working capital, growth funding, asset finance, invoice finance.
Brokers & intermediaries
50%
Lender intel, criteria shifts, packaging playbooks.
Property developers & investors
0%
Bridging, development finance, BTL portfolios, refurb-to-let.
Composes well with
Stack ideas our desk has placed before.
Residential Mortgages
From first homes to £20M private-bank lending.
Expat & Foreign-National Mortgages
UK lending for non-doms, expats and overseas nationals.
Mortgages on Foreign Income
USD, EUR, AED, SGD, HKD income — underwritten cleanly.
International Property Loans
Cross-border lending for property in EU, MENA, North America.
Test the fit
Two interactive tools, no credit footprint.
Score your eligibility and model the deal economics before you ever talk to us.
Eligibility quick-check
Get an instant indication.
Five quick questions. No credit footprint. We'll show you a fit score and what to do next.
- Can you identify the asset (make / model / serial / yard)?
- Will the asset be based / used in the UK or EU?
- Can you contribute 10%+ deposit?
- Trading entity 12+ months (or HNW personal balance sheet)?
- Will the asset be fully insured throughout the term?
0/5 answered
Answer to see your fit score
Scenario calculator
Model the deal.
Indicative only — final pricing reflects your actual lender quote.
Monthly
£7.1k
Total interest
£78k
Arrangement fee
£3.5k
Effective APR
8.45%
What happens next
Lender panel preview & document checklist.
Indicative lender match
Who we'd quote on day one.
Anonymised preview from our 90+ lender panel. Real allocations are tuned to your file.
- Asset Finance Bank LTier 1
HP / Lease
Indic. BoE +2.5%
- Specialist Marine House MSpecialist
Marine HP
Indic. 7.95% pa
- Aviation Finance Desk NSpecialist
Aircraft loan / lease
Indic. SOFR +2.7%
- Lombard Private OPrivate
Luxury Lombard
Indic. BoE +1.85%
- Plant & Yellow Goods PSpecialist
Heavy plant
Indic. 8.45% pa
- Fleet Lease QAlt
HGV / van fleet
Indic. 9.25% pa
Document checklist
What we'll need.
Indicative pack to get you a credit-quality answer in days, not weeks.
- Photo ID + proof of address
- Asset invoice / schedule / valuation
- 3 months personal & business bank statements
- Latest filed accounts (if business)
- Insurance binder confirming cover
- Yard / berth / hangar agreement (where applicable)
- Source of deposit evidence
FAQs
Frequently asked
The questions clients always ask.
Yes — including classic cars, fine art, marine and aviation. We use specialist Lombard and asset-house structures.
All three are available. We'll model TCO and tax position before recommending.
Yes — staged drawdowns against build certificates with the relevant specialist house.
5–10 working days for vanilla HP; 2–4 weeks for marine / aviation / luxury Lombard subject to valuation.
Short enquiry
Tell us about your luxury asset finance requirement.
A specialist will respond within one business hour. No credit footprint.