Your Questions About Asset-Backed Capital

LQD is a private capital network and consulting platform. We help collectors, entrepreneurs, and high-net-worth individuals raise capital against tangible assets they already own. We are not a bank and not a licensed lender. Our role is to connect owners with private capital sources that can structure an arrangement around the verified value of a specific piece of collateral. Every arrangement is subject to review and approval, and availability can differ by jurisdiction.

Neither. LQD does not take deposits, issue loans directly, or sell banking products of any kind. LQD operates as a private capital network and advisory platform. The capital in any arrangement comes from private sources within our network, and each of those sources applies its own review and approval standards before anything is finalized.

Arrangements generally run from $10,000 to $10,000,000, and larger requests can be considered. What you can access is driven by the verified value of your collateral, the asset category, prevailing market conditions, and the structure you are after. There is no fixed asset-value threshold to start a conversation, and we look at each situation on its own facts.

We serve asset owners throughout the United States, and we also work with clients in Canada. For Canadian clients, the collateral needs to remain in the United States for the length of the arrangement. Some structures may not be available in every jurisdiction. Send us an inquiry and we will confirm what applies to your location.

Discretion is built into how we operate. Because we run no credit check, there is no inquiry left on your file. We do not contact employers, call your bank, or disclose your situation to outside parties. The arrangement stays between you and the capital source, handled confidentially and discreetly, and everyone on our team is held to confidentiality obligations.

It starts with a confidential inquiry, either through the site or by calling (516) 762-4200. From there our team reviews the details and, where useful, asks for proof of ownership, a recent appraisal or help arranging one, clear photos, and any authentication or service records. Our AI-powered underwriting assesses the asset and, when it fits, we share indicative terms, often within hours. If you accept, we move to documentation, transfer the collateral into insured custody, and release funds, typically within 24 to 72 hours of approval, subject to verification and closing.

In most cases you will have indicative terms within hours rather than days, thanks to AI-powered underwriting. The exact timing depends on the asset, the documentation on hand, ownership verification, and how complex the valuation is. Once approved, funding is typically completed within 24 to 72 hours. Timing, eligibility, and terms are never guaranteed.

No. Underwriting is based on the asset, not on you. We do not pull credit reports and we do not ask for tax returns, W-2s, bank statements, or any proof of income. There is no credit check and no income verification, because eligibility comes down to the collateral and its verified value.

Nothing is mandatory to begin. LQD performs its own research, valuation, and verification on every asset, so documents are not a prerequisite. When they do exist, they reinforce the valuation and can speed things up. Helpful items include proof of ownership (a title, certificate, receipt, or deed), any recent appraisal you already hold, clear photographs, and relevant authentication, provenance, or maintenance records. For vehicles, that means title and VIN. For watches, box, papers, and service history. For jewelry and art, GIA certificates, provenance, or past auction records. We will point you to what matters most for your particular asset. Each submission is judged on its own, and eligibility and terms are not guaranteed.

Throughout the arrangement, collateral is kept in insured, secured custody, with the setup matched to the asset. Vehicles go into secure, climate-controlled storage; watches and jewelry are held in bonded, insured vaults; art and collectibles are kept under appropriate environmental controls. Coverage is written to the verified value of the asset, and everything is handled to white-glove standards from intake to return.

That ratio is called loan-to-value, or LTV: the capital advanced relative to the verified appraised value of your collateral. As an illustration, a 60% LTV against a $500,000 asset would produce $300,000 in capital. LTV is not a flat number, and it shifts with asset category, how liquid that specific item is, condition, and other factors. We do not publish set LTV ratios because each one is decided case by case during review and underwriting.

Yes, in many cases. Early-payoff provisions live in the formal agreement, and many structures let you settle ahead of schedule and reclaim your collateral. Any conditions, such as fees, minimum hold periods, or notice requirements, are laid out and agreed before signing. If flexibility to exit early matters to you, raise it while we structure the arrangement so the terms can reflect it.

As with any secured arrangement, not meeting the agreed terms can mean losing the pledged asset. The full picture, including what happens on non-performance, any cure periods, and how matters are resolved, is spelled out in the formal agreement before anything is signed. We put material terms in plain language and encourage you to review them carefully and speak with your own legal and financial advisors where it makes sense.

We look at twelve core categories: luxury and exotic vehicles; fine timepieces (Richard Mille, Patek Philippe, Audemars Piguet, and Rolex among them); gems and fine jewelry; luxury handbags; fine art such as paintings, sculpture, and photography; yachts and marine vessels; aircraft; motorsports equipment and race cars; sports memorabilia and collectibles; precious metals including gold, silver, and platinum bullion; construction and heavy equipment; and collectibles and heirlooms, from antiques to vintage pieces. Our Eligible Assets page has the full breakdown.

Being in an accepted category does not guarantee qualification. A missing document is not an automatic no, and if there is a lien, the outstanding balance is folded into the structure, provided the requested capital and the asset's verified value support it. Items that usually do not work include those with unclear or contested ownership, liens that cannot be cleared at closing, pieces that cannot be appraised or authenticated, assets with little or no resale market, and anything in badly degraded or damaged condition. Every submission is reviewed on its own, and eligibility and terms are not guaranteed.

It depends on the exact reference, the brand, condition, whether it is complete with box and papers, and where the secondary market sits. Demand for specific references matters a great deal, and certain Richard Mille, Patek Philippe, Audemars Piguet, and Rolex pieces support noticeably higher LTV than others. Send photos, reference details, and any documentation, and you will receive indicative terms. Our team can give tailored guidance once we see the piece.

Yes. Multi-asset and portfolio structures are available and can free up more capital than a single item on its own. If you hold a collection of watches, cars, jewelry, or a mix, those pieces can serve as collective collateral. This route can be built for added flexibility and may reach higher totals than the items would individually. Walk us through your full portfolio and we will explore the structure that fits best.

Yes. Your asset stays in your name for the duration, so you keep the upside if its value rises. You are raising capital against the collateral, not selling it, and the piece returns to you once the arrangement is satisfied. This is a central reason owners choose an asset-backed arrangement over an outright sale. Custody and handling details are set out clearly in the final agreement.

The program suits financial and business professionals whose clients tend to own high-value tangible assets. That includes commercial loan brokers, MCA brokers, ISOs, pawn brokers, luxury vehicle dealers, jewelry and watch dealers, CPAs, estate attorneys, financial advisors, real estate professionals, and other referral sources with access to high-net-worth clients. We review each application individually to confirm the fit.

Once approved, partners get the LQD Partner Portal to submit client scenarios, follow status in real time, and manage their pipeline. While portal access is being set up, deals can also come in by phone or email. Each partner is issued a unique code so referrals map to the right account and commissions are attributed accurately on every funded deal.

Partners earn a competitive commission on each referred deal that funds through LQD. The specifics, including rates, when they are paid, and any conditions or clawback windows, are set during onboarding and captured in the LQD Partner Program Agreement. The structure is meant to make LQD a real revenue line for partners who consistently send qualified scenarios.

No. There is no exclusivity requirement. You are free to keep your other capital sources and lender relationships and send us deals alongside them. We would rather earn your referrals through speed, transparency, competitive commissions, and a premium client experience than through a lock-in. You can apply through our Brokers page.