Before you decide anything, it helps to see exactly how the process runs. LQD pairs seasoned specialists with AI-powered underwriting to confirm what your asset is genuinely worth, then gives qualified owners a confidential, discreet route to liquidity. Indicative terms can arrive within hours, with no credit check and no income verification.
Each of the seven stages below is built to move quickly without cutting corners. We confirm what your asset is worth, guard your privacy at every turn, and lay out clear indicative terms long before you are asked to commit.
Everything starts when you share a few particulars about your asset through our private contact form. A rough sense of the type, estimated value, condition, and whatever paperwork you happen to have is plenty. This first message stays entirely confidential, commits you to nothing, and simply opens a private line of conversation.
One of our reviewers takes a confidential first pass to see whether the asset's category, estimated worth, and overall profile fit the kind of private asset-backed capital arrangements we help arrange. Most owners hear back within one to three business days, and because underwriting is AI-powered, indicative terms can often follow within hours.
LQD runs its own research, valuation, and verification on every asset to confirm ownership, authenticity, condition, and where it sits in the market. You do not need documents to start. Anything you do hold, such as titles, registrations, history reports, service records, or past appraisals, can speed things along and strengthen your indicative terms, yet none of it is a prerequisite. We establish value on our own.
Next, LQD completes a formal appraisal and market study specific to your asset's category. That figure becomes the anchor for the indicative terms you will see in the following step.
With verification and appraisal done, we lay out indicative terms for qualified owners, non-binding sketches of the capital structure that could be available. Nothing obligates you to continue, and many owners take this moment to talk things over with a financial advisor or attorney first. Throughout, your asset stays in your name, so any future upside remains yours.
Choose to proceed and we draft and finalize every legal agreement that governs the arrangement. We genuinely encourage each owner to have independent counsel review the final documents before signing. No money moves and no collateral changes hands until everything is fully executed.
Once the documents are signed, funds are released, typically within 24 to 72 hours of approval, and your collateral is handled exactly as the agreement specifies. Depending on the asset, that can mean insured transport, bonded third-party storage, or another custodial setup that safeguards it for the length of the term. When the term concludes and the agreed terms are met, your asset comes back to you.
A large part of what sets LQD apart is how consistently we keep owners in the loop. You should never be left guessing about next steps, timelines, or requirements. Our team reaches out first and answers your questions quickly.
From your very first submission through the day capital is released, you deal with real people, not a revolving door of agents or a faceless system. One dedicated contact stays with you, someone who knows the details of your asset and your situation.
Discretion runs through all of it. Your asset details, documents, and personal information are treated with strict confidentiality, and we never share them beyond what is genuinely needed to complete a proper review.
Nothing here is required to begin. LQD performs its own research, valuation, and verification on every asset. When these items happen to exist, they reinforce the valuation and can lead to a quicker review and better indicative terms. Treat the following as a rough guide, organized by asset type, to what tends to help.
Title or ownership paperwork if you have it. A clean title is not required to submit, and if a lien already exists, its outstanding balance is folded into the capital structure, subject to underwriting and to your requested amount being supported by the vehicle's verified value. VIN confirmation, current mileage and a condition report, service and maintenance history, a vehicle history report, photos of the interior, exterior, and engine bay, plus any prior specialist appraisals all help too.
Proof of ownership or provenance if you have it, though it is not required to submit. Where a lien or loan already sits against the piece, that balance is worked into the capital structure, subject to underwriting and to your requested amount being supported by the asset's verified value. Original box and papers, manufacturer serial documentation, GIA or comparable grading certificates for diamonds and gems, prior appraisals, purchase receipts, and photos from several angles including hallmarks are all useful. Owners looking to borrow against significant jewelry should know that select pieces are reviewed against these same grading and provenance records.
Provenance and ownership history if you have it, but it is not required to submit. Where a lien or loan already exists, the outstanding balance is factored into the capital structure, subject to underwriting and to your requested amount being supported by the asset's verified value. Past exhibition or auction records, authentication certificates or letters of expertise, a specialist conservator's condition report, insurance appraisals, and high-resolution photography all support the review. Authenticated handbags are weighed on similar footing, considering the maker's reference and date stamp, the leather and hardware, overall condition, and third-party authentication; owners can look into luxury handbag collateral financing by submitting those details for individual review.
Title, registration, or USCG or equivalent flag documentation if you have it. A clear title is not required to submit, and any existing lien simply has its balance folded into the capital structure, subject to underwriting and to your requested amount being supported by the vessel's verified value. A recent survey from a certified marine surveyor, the hull identification number, engine hours and service logs, marina slip or storage records, insurance paperwork, and photos or a video walkthrough of the vessel all help.
Title or FAA registration, or the equivalent authority's documentation, if you have it. A clear title is not required to submit, and an existing lien simply has its balance factored into the capital structure, subject to underwriting and to your requested amount being supported by the aircraft's verified value. An airworthiness certificate, airframe, engine, and propeller logbooks, annual inspection records, an avionics inventory, a current pre-buy inspection or appraisal, and insurance and hangar records all support the review.
Proof of ownership if you have it, though it is not required to submit. Where a lien or loan already exists, its balance is factored into the capital structure, subject to underwriting and to your requested amount being supported by the asset's verified value. Assay certificates or hallmark documentation, mint or refinery provenance, weight and purity certification, chain of custody records, vault or secure storage records, and purchase or acquisition receipts all help. You can also read about our custody process to see how your metal is protected throughout the transaction.
No two arrangements look alike. A handful of factors shape the indicative terms we present to qualified owners.
Each category carries its own liquidity, marketability, and demand within private capital markets. Assets backed by deep secondary markets and steady comparable sales tend to allow cleaner structures, while one-of-a-kind or highly specialized pieces call for more careful analysis.
How well an asset has been kept feeds directly into its verified market value, and that value drives the structures we can offer. Pieces in exceptional, well-documented condition usually support stronger terms, while deferred maintenance can pull the indicative figures down.
Where the market currently stands for a given category matters a great deal. Assets with strong collector or investor appetite, active auction results, and solid comparable sales can support more favorable terms than those trading in thin or unpredictable markets.
Documents are not required to submit; LQD researches, values, and verifies every asset independently. When a title, detailed provenance, or prior appraisals do exist, they reinforce the valuation and can lead to a faster review and stronger indicative terms. A clean title is not a prerequisite, and an existing lien does not automatically rule an asset out. Where a lien exists, its outstanding balance is factored into the capital structure, subject to underwriting and to your requested amount being supported by the asset's verified value.
Whatever the appraisal or market review concludes sits at the center of your terms. Appraisers apply different methods, replacement value, liquidation value, and fair market value among them, and each lands on a different number. Private capital is generally structured as a share of the asset's verified fair market or liquidation value.
What you are after in duration and structure also steers the options. A short bridge behaves differently from a longer arrangement, and a portfolio of assets can open configurations a single asset cannot. Sharing your goals and timeline lets our team surface the most relevant indicative options.
Share your asset details for a confidential review. No obligation, no pressure, just a discreet conversation about what might be possible for your particular asset, with no credit check and no income verification.