If You Own It, You May Be Able to Leverage It — Without Letting Go

Asset-backed lending has quietly become one of the most flexible tools available to high-net-worth individuals. And in Palm Beach, where personal collections often hold six- and seven-figure value, more clients are choosing to use luxury assets as loan collateral instead of liquidating.

Wondering if your item qualifies? Here’s a look at the most common categories we see — and why they work so well.

1. Fine Jewelry

From GIA-certified diamonds to estate pieces, luxury jewelry holds enduring value. Common items include:

• Engagement rings
• Diamond bracelets and earrings
• Signed pieces from Cartier, Van Cleef & Arpels, Tiffany & Co.
• Heirloom or antique collections

2. Luxury Watches

Certain brands and models are seen as liquid assets in their own right. We often lend against:

• Rolex
• Patek Philippe
• Audemars Piguet
• Richard Mille
• Omega and Cartier (select models)

3. Designer Handbags

Yes — bags. Limited-edition and collectible handbags continue to outperform expectations on the secondary market. Most commonly:

• Hermès Birkin and Kelly
• Chanel Classic Flap and Boy Bag
• Louis Vuitton Capucines, exotics, and special editions
• Goyard and Dior (select pieces)

4. Fine Art and Antiques

From modern pieces to generational collections, fine art is one of the most secure forms of non-bank lending when properly stored and appraised. We accept:

• Paintings, sculptures, and mixed media
• Antique furniture or decorative objects
• Items with authentication and provenance

5. Classic and Exotic Cars

Vehicles of exceptional value can be used as collateral — especially when accompanied by proper documentation. Think:

• Vintage Ferraris, Jaguars, and Bentleys
• American muscle cars in collectible condition
• Exotic performance models with verified history

6. Rare Books and Collectibles

Select categories of rare assets are also accepted, including:

• First-edition or signed books
• Investment-grade musical instruments
• Memorabilia or historical items with documented significance

Why These Items Work for Loans

Each of these categories shares a few key traits:

• Strong resale markets
• Verifiable authenticity
• Clear, appraisable value
• Portability and secure storage potential

If your item fits those criteria, it’s likely eligible for a confidential loan.

Not Sure if Your Item Qualifies?

Let us help. We’re happy to evaluate your asset — even if it’s unusual — and provide a private offer or recommendation.

👉 Contact us today to schedule a no-pressure consultation.