Raise capital against a qualifying race car, competition vehicle, or motorsports collection without selling and without breaking the collection apart. LQD's AI-powered underwriting reads ownership, chassis identity, provenance, originality, condition, and market demand to structure private, asset-backed capital, often with indicative terms within hours. No credit check, no income verification, and the car stays in your name so you keep the upside. Eligibility and terms are not guaranteed.
A significant race car can hold real value that rarely does anything but sit in the garage. LQD lets you draw against that value: pledge a qualifying competition car, track-focused vehicle, historic racer, or an entire collection and access capital while keeping the car itself. Underwriting is asset-based, so there is no credit check and no income verification, and the vehicle stays titled to you throughout.
What decides eligibility is the car and its paperwork, not a headline result. LQD's AI-powered review weighs vehicle identity, chassis number, ownership, title or bill of sale, competition history, provenance, originality, specification, condition, safety equipment, and current demand. A famous badge, driver, or event helps only when it can be evidenced, and a complete submission can return indicative terms within hours.
Keep the numbers distinct. Build or restoration cost, insured value, an asking price, an auction estimate, and replacement cost are all separate from collateral value. Collateral value is LQD's own read of what the car could realistically support in today's market once chassis identity, provenance, originality, condition, and demand are weighed together.
Serious competition machinery can take time to move through specialist channels, so a structured facility can meet a need without a rushed sale and, where the deal permits, without dismantling a collection. Where a lien already exists, it does not end the conversation: the outstanding balance is folded into the structure, subject to underwriting and to the requested amount and the vehicle's verified value supporting it. Bring whatever records you have and a confidential review can begin.
Nothing below is required to submit. When these items are on hand, they firm up the valuation basis and can speed the review and support stronger preliminary terms:
None of this is a prerequisite to begin. If an asset carries an existing lien, the outstanding balance is built into the capital structure, subject to underwriting and to the requested amount and the vehicle's verified value supporting it.
Borrowing and selling answer different questions, and neither is automatically better. A sale turns the car into cash for good and can suit an owner who wants to exit, but it also means parting with the vehicle, riding out auction or private-sale timing in a specialist market, paying seller commissions and transport and inspection costs, and later facing the difficulty of finding a specific, documented replacement.
Borrowing against a qualifying asset lets an owner keep title, keep a collection whole, protect event participation where the deal permits, and skip a forced liquidation while meeting a separate need. It carries its own considerations: financing costs, insurance, storage, maintenance, any custody or control requirements, and inspection and due-diligence costs, plus default risk. A default on the loan can result in loss of the pledged asset.
Market depth and timing usually decide it. An owner who would rather not sell into a thin or event-driven window, or who campaigns the car at historic events, may prefer a facility that leaves ownership and the upside intact. Others may prefer a clean sale. Weigh both against your own circumstances, discreetly and without a public listing.
Motorsports assets across several categories may be considered. In every case ownership, chassis identity, LQD's valuation, and underwriting apply, and eligibility and terms are not guaranteed.
Historic competition cars are considered where chassis identity, documented ownership and provenance, and originality are clear. Period documentation and competition history can lift demand, but they must be evidenced, and a famous era or result alone never sets value.
Modern GT and touring cars are weighed on condition, hours, specification, documentation, and current market support. Series eligibility can support demand, and each car is judged on its own records rather than by category alone.
Formula and open-wheel cars are considered where ownership, chassis identity, specification, and documented history are established. Originality and condition sit alongside recognized demand for the specific car and era.
Endurance and sports-prototype cars are weighed on chassis identity, provenance, documented history, originality, and condition. Complete records and clear ownership count for more here than any single event.
Homologated rally, cross-country, and off-road competition vehicles are considered on provenance, competition history, originality, condition, and demand. In these categories, paperwork covering specification and history counts for an especially large amount.
Track-focused road cars are considered where ownership and title, documentation, condition, and recognized demand are clear. Modifications and specification are weighed, and mass-market modified cars without market support generally do not qualify.
Documented race transporters and support assets are considered where relevant, typically alongside a qualifying car or collection. Ownership, condition, and demand are assessed on their own for these assets.
A broader collection can be reviewed as one position, each car assessed on its own for ownership, chassis identity, provenance, condition, and demand while the collection is weighed as a whole. Not every car in a collection necessarily qualifies.
Motorsports assets may be considered on ownership, chassis identity, title or bill of sale, provenance, competition history, originality, technical specification, condition, documentation, market demand, LQD's valuation, and underwriting. The list is not exhaustive, and every asset is judged individually.
Formula and open-wheel cars from recognized competitive eras are considered. Documented championship history, driver association, or constructor pedigree can lift demand where it is verifiable, and each car is judged on chassis identity, originality, condition, and market support.
GT and endurance cars, including current-generation GT machinery from recognized makers, are considered on condition, hours, specification, documentation, and current comparables rather than the badge alone.
Sports and endurance prototypes from recognized global series are considered where chassis identity, documented provenance, and originality are established. Given the sums at stake, thorough records and unambiguous ownership matter a great deal here.
Pre-war and early post-war competition cars are considered where a documented ownership chain, period evidence, and original specification are present. Provenance and originality sit alongside condition and recognized demand.
Homologated stage rally cars, cross-country and off-road competition vehicles, and documented rally-raid machinery are considered on provenance, competition history, originality, condition, and current comparables.
Track-focused road cars, and documented race transporters and support assets submitted alongside a qualifying car or collection, are considered on ownership, documentation, condition, and recognized demand. Each is judged on its own records.
Valuation for capital purposes blends identity, provenance, condition, and market rather than leaning on a name, a result, or a build cost. No figure below is fixed or guaranteed.
The numbers are not interchangeable. Build or restoration cost, insured value, an asking price, an auction estimate, replacement cost, private-market value, and liquidation value can each differ, and none is automatically the collateral value. An appraisal is one input, not a guaranteed capital amount, and an auction result for one car does not set the value of another. Collateral value is LQD's read of what the car could realistically support in the current market, subject to underwriting.
Competition history can support a review, but it never establishes value on its own and must be documented to carry weight. A link to a driver or team must be backed by proof, an appearance at a celebrated event does not by itself confer eligibility, and a chassis plate or logbook on its own falls short of proving complete identity or provenance. Historic-event eligibility may lift demand without guaranteeing terms, and acceptance by an auction house does not guarantee a capital offer.
Originality matters, and replacement components can move it in either direction; restoration cost does not automatically equal market value. Replicas, continuation cars, recreations, and tribute builds are valued very differently from original competition cars and must be described accurately. Because many race cars carry no road title, ownership documentation differs by asset, and ownership, bills of sale, customs records, and legal transferability may need review.
Where it helps a review, LQD coordinates an independent inspection, chassis and provenance review, and transport through qualified specialists, and a security interest is typically recorded before funding. LQD does not itself perform technical inspections, race-car authentication, chassis verification, homologation review, safety certification, engineering analysis, vehicle preparation, or event-eligibility decisions, and it is not a race-car dealer, motorsports broker, race team, constructor, engineering company, race-preparation shop, inspector, chassis authenticator, homologation authority, sanctioning body, event organizer, insurer, storage provider, or transporter.
LQD arranges private, asset-backed capital and implies no affiliation with, endorsement by, authorization from, or partnership with any manufacturer, constructor, race team, racing series, sanctioning body, circuit, event organizer, driver, auction house, dealer, appraisal firm, or historic-racing body. Names are used only to describe an asset accurately.
These help a review; none alone guarantees value or eligibility.
Full documentation is not required to start a confidential review, but available records help with ownership verification, provenance review, technical assessment, valuation, and underwriting. The more that is on hand, the faster an asset can be assessed, and anything you lack does not automatically close the door.
Useful records include:
These records feed directly into the AI-powered valuation, and the questions below cover many of the practical points owners raise about provenance, condition, and custody before submitting.
Where it helps a review, LQD coordinates an independent inspection and secure, insured transport through qualified specialists. In most arrangements the car is placed in secure, insured storage for the term, with documented intake and condition reporting, and returned in its received condition on repayment.
The specifics depend on the car, its records, and the transaction, and a security interest is typically recorded before funding. Closing timing follows documentation, any inspection, verification, and transport rather than a fixed schedule, and funding generally lands within 24 to 72 hours of approval.
A broader collection can be reviewed as one position, each car assessed on its own. Owners with road-going exotics may also explore financing secured by a qualifying luxury vehicle, reviewed separately from a competition-car arrangement.
Submissions and discussions stay private, with chassis and provenance review handled discreetly. Your car is never publicly listed or marketed.
Underwriting reads chassis identity, provenance, originality, condition, and comparable transactions to produce indicative terms fast, often within hours, rather than resting on a single figure.
Inspection, insured transport, documented intake, and secure storage are arranged with qualified specialists so the transaction is handled securely.
No credit pull. No income verification. Indicative terms often within hours, and funding within 24 to 72 hours of approval.
Share the constructor or manufacturer, model, year, chassis number, any competition history, and the records you have. Nothing is required to start a confidential review, and more documentation simply lets the assessment move faster.
LQD's underwriting weighs ownership, chassis identity, provenance, competition history, originality, condition, and comparable market data to produce a valuation, frequently returning indicative terms within hours. Where it would help the review, an inspection can be arranged.
Qualified submissions may receive a preliminary offer, and on approval funding typically follows within 24 to 72 hours. The car stays in your name, so any appreciation remains yours. Final eligibility and terms depend on documentation and review.
Submit a car or a collection for a confidential review. Qualified submissions may receive a preliminary offer within hours, with funding typically within 24 to 72 hours of approval. Eligibility and terms are not guaranteed.