Many clients who need a significant amount of capital believe they must have one “hero” asset—like a 10-carat diamond or a Patek Philippe Grand Complication—to secure it.
This is a common misconception. One of the most flexible and powerful tools we offer is a multi-item collateral loan, also known as a “collateral facility.”
This allows you to secure a single, larger loan against a portfolio of your luxury assets. Instead of taking out several small loans, you can bundle items together to reach your desired capital amount.
Examples of a Multi-Item Facility:
- Three fine watches (e.g., a Rolex, an Audemars Piguet, a Panerai)
- A diamond engagement ring and a pair of diamond earrings
- Two designer handbags (e.g., Hermès and Chanel)
- A classic car and a piece of contemporary art
The Advantages of This Approach:
- Reach Higher Loan Amounts: This is the primary benefit. A collection of items can secure a six- or seven-figure loan that a single item might not.
- Flexibility: It gives you more options. You can choose which assets to use to secure the precise amount of capital you need.
- Simplicity: You have one single loan agreement, one set of terms, and one point of contact, making the entire process streamlined and simple to manage.
- Partial Release: In many cases, as you pay down the loan, we can arrange for the “partial release” of items, giving you access to your collection as your balance decreases.
Your entire collection has value. We are experts at evaluating a diverse portfolio and structuring a single, discreet loan facility that unlocks the collective equity of your assets.
To discuss a loan facility secured by your collection, please contact our team for a private, comprehensive evaluation.
