The Private Capital Network

Capital From the Assets
You Already Own

Turn luxury and collectible property into working capital from $10,000 to $10,000,000, without selling and without a bank. Underwriting is driven by the asset, so there is no credit check and no income verification. Expect indicative terms within hours and, once approved, funding in 24 to 72 hours.

Unlock Liquidity See How Funding Works
The Model

Liquidity Without Losing the Asset

LQD arranges private, asset-backed capital for owners of high-value tangible property. Instead of qualifying you on paperwork, we qualify the collateral itself, then structure capital against its verified worth. There is no credit check and no income verification, because the value that matters sits in what you own, not in a score or a pay stub.

The assets we work with span luxury vehicles, fine timepieces, jewelry, art, aircraft, yachts, and more. Whatever the purpose, funding a deal, closing on real estate, covering a short-term gap, or freeing up inventory, the principle holds: your property becomes a line to capital while it stays titled in your name. You keep the ownership, and you keep the upside if the asset appreciates.

This is not a bank loan. It is a confidential, collateral-first arrangement in which AI-powered underwriting combines with professional appraisal and authentication to set the terms. Because the review is built around the asset rather than a lengthy financial workup, indicative terms typically land within hours, and approved arrangements are usually funded within 24 to 72 hours. Owners considering private capital secured by diamonds and signed jewelry can expect the same asset-led approach applied to eligible pieces.

Eligible Collateral

What We Accept

LQD underwrites across twelve core categories. Every item is judged on its own merits: condition, authenticated value, provenance, and how readily it trades on the secondary market.

Luxury & Exotic Vehicles
Fine Timepieces (Richard Mille, Patek Philippe, AP, Rolex)
Gems & Fine Jewelry
Fine Art (Paintings, Sculptures, Photography)
Yachts & Marine Vessels
Private & Business Aircraft
Motorsports Equipment & Race Cars
Sports Memorabilia & Collectibles
Precious Metals (Gold, Silver, Platinum Bullion)
Construction & Heavy Equipment
Antiques, Heirlooms & Vintage Collectibles
Multi-Asset Portfolios

Category alone does not guarantee eligibility. What decides it is the individual item: its condition, a credible appraisal or authentication, the depth of the secondary market for that type of asset, and the capital requested against verified value. We review each submission on its own, and no offer of capital is guaranteed for any given asset. For a full category-by-category breakdown, see our Eligible Assets page.

Side by Side

A Different Way to Access Capital

Banks and asset-backed capital start from opposite questions. One asks who you are on paper. The other asks what you own.

The Traditional Bank Route

A bank leads with your credit score, income, tax returns, and debt-to-income ratios. Fall outside the box their automated model expects and the answer is no, no matter how much you actually own.

Expect a paperwork-heavy path and deep personal disclosure. Luxury property, collectibles, and specialty collateral are rarely credited at anything close to their real worth.

Decisions can drag on for weeks. When you need capital fast, or quietly, that machinery tends to add friction rather than remove it.

The LQD Route

We underwrite the asset, not your resume. Credit, income, and employment do not gate eligibility. What counts is the collateral: its verified condition, its authenticated value, and how liquid it is on the secondary market.

It moves quickly and stays discreet. AI-powered underwriting produces indicative terms within hours, with no tax returns, no bank statements, and no public records to work through.

And the range of accepted collateral runs far wider, from Richard Mille timepieces to aircraft to construction equipment, than a traditional institution would ever consider. It reaches fine leather goods too, where private capital secured by collectible handbags can be arranged against select authenticated pieces.

Who We Serve

Built for Owners of Tangible Wealth

Asset-backed capital is designed for people whose net worth lives in things they hold, not just balances in an account.

High-Net-Worth Individuals

Owners of serious tangible wealth, exotic cars, watch portfolios, jewelry, and fine art, who want short- to medium-term capital without selling appreciating pieces or creating a taxable event.

Business Owners & Entrepreneurs

Founders who need working capital fast for an opportunity, an equipment purchase, or a bridge. With assets in hand, capital can be arranged more quickly than a conventional lender allows.

Real Estate Investors

Investors holding high-value property alongside real estate who need to bridge between deals, move on a time-sensitive purchase, or free up capital locked inside a collection.

Collectors & Enthusiasts

Collectors of art, classic cars, watches, rare memorabilia, or precious metals who want to draw on their collection without giving up pieces they spent years assembling.

Executives & Professionals

High earners with complicated finances, restricted stock, or credit profiles that never fit a bank's template, yet who hold substantial tangible assets worth borrowing against.

Estate & Trust Situations

Administrators and beneficiaries handling high-value portfolios who need interim liquidity through a transition, probate, or restructuring, without being forced into a rushed sale.

In Practice

Where Owners Put It to Work

Asset-backed capital fits many situations. These are the ones that come up most.

01

Business Bridge Financing

A founder needs $500K to cover a 60-day gap between a receivable and a new contract. Instead of a bank or an equity raise, they pledge a $1.2M watch collection and draw capital against it.

02

Real Estate Down Payment

An investor spots a property and has to act fast, but their cash is locked in a pending sale. Capital arranged against an exotic vehicle bridges the gap so they close on schedule.

03

Avoiding a Forced Sale

A collector needs cash but refuses to dump a prized piece at a discount or at a weak point in the cycle. Asset-backed capital delivers the liquidity and keeps the piece for a stronger sale later.

04

Managing a Tax Bill

Facing a tax obligation, an owner would rather not sell an appreciated position and add to their gains. Pledging a tangible asset raises cash without creating a new taxable event. Confirm specifics with a tax advisor.

05

Estate Liquidity

Heirs settling an estate need to meet obligations or distribute value without rushing high-value pieces to auction. A private arrangement provides interim liquidity while the estate is worked through properly.

06

Working Capital for Dealers

Luxury dealers and auction consignors unlock inventory capital by pledging pieces they already hold, funding fresh acquisitions while they wait for the right buyer.

How Deals Are Built

Structures Fitted to the Asset

No two arrangements look identical. The right structure follows from the asset type, your objectives, how long you need the term, and how much capital you are after. LQD's role is to match each scenario to the structure that serves it best.

Single-Asset, Short-Term Arrangements

The most common setup for one piece of collateral. The asset is pledged, valued by LQD, and held in insured custody for the term, while capital is advanced against a loan-to-value ratio set by asset type and market conditions. At maturity the arrangement is closed out, either by repayment and return of the asset or through an agreed alternative resolution.

Portfolio & Multi-Asset Structures

When you hold several qualifying pieces, a group of watches, a small fleet of cars, a mix of jewelry and art, they can be pledged together as one pool of collateral. Combining assets can support more capital than any single item and gives added security through a diversified collateral base.

Extended & Renewable Terms

Some owners want liquidity that lasts. Longer-dated or renewable arrangements keep capital in place while collateral remains in custody over an extended period, with terms fixed at the outset and spelled out in the formal agreement.

Bridge Structures

Made for owners expecting a defined liquidity event, a sale, a settlement, an investment payoff, who need capital in the meantime. Bridge arrangements are usually shorter and shaped around the timing of that anticipated resolution.

Borrow or Sell

Why Borrow Against It Instead of Selling

The obvious alternative is to sell the asset outright, and sometimes that is the right call. For many owners, though, borrowing against the asset first is the stronger move. Here is why.

Keep the Upside

Plenty of what LQD works with, rare watches, classic cars, fine art, precious metals, has appreciated meaningfully over time. Selling ends your position for good. Borrowing against it raises cash while the asset stays in your name, so any future appreciation is still yours.

Don't Sell on the Clock

A hurried sale rarely fetches full value. Auction timing, dealer spreads, and quick-sale discounts all chip away at what a high-value asset should command. Asset-backed capital buys you the time to sell later, on your terms, rather than under pressure.

Mind the Tax Line

Selling triggers a taxable event. Proceeds from an asset-backed arrangement generally do not, though individual circumstances differ and a qualified tax advisor should confirm your situation. For owners with complex finances, that gap can matter a great deal.

Hold On to What Matters

Some pieces mean more than their price. A watch passed down from a parent, art collected over decades, a car tied to a milestone, these are not things you want to surrender. Borrowing lets you draw on the value while keeping the object itself.

Move Fast, Stay Private

An asset-backed arrangement can be structured and funded in short order, typically within 24 to 72 hours of approval. A proper sale at a proper price can take months. When timing is tight, borrowing is usually the quicker route to cash, and it stays confidential throughout.

None of this is free. Fees, interest, and custody charges apply, and they should be weighed honestly against the benefits. LQD discloses every term clearly before anything is finalized, so you can decide with the full picture in front of you.

Good to Know

Questions, Answered

What exactly is asset-backed capital?
It is capital arranged against a high-value asset you pledge as collateral, sourced through private and specialty capital rather than a traditional bank. Terms are built around the verified value of the asset, not your credit history or income, which is why there is no credit check and no income verification.
How fast can I get funded?
Once we have your submission, AI-powered underwriting typically returns indicative terms within hours. After you accept and the arrangement is approved, funding usually follows within 24 to 72 hours. Exact timing depends on verification, documentation, and closing steps for your specific asset.
How is the process actually run?
Start with a confidential inquiry online or by phone. We review it, request documentation such as proof of ownership, appraisals, photos, and authentication, evaluate the asset, and present indicative terms if it qualifies. When you agree, the formal agreement is executed, the asset moves into insured custody, and capital is released.
How much can I borrow against my asset?
Arrangements run from $10,000 to $10,000,000. The figure for any given asset depends on verified value, asset type, market conditions, and the structure you choose. Loan-to-value ratios differ by category and are set from individual appraisals rather than published in advance. You receive indicative terms after review.
Do I keep ownership of the asset?
Yes. The asset stays titled in your name for the duration, so any appreciation remains yours. Possession depends on the structure and asset type: some arrangements let you keep the asset with you, while others require it to sit in secure, insured custody as collateral. However it is handled, that is defined clearly in the final agreement.
Is LQD a bank or a licensed lender?
No. LQD is a private capital network and consulting platform, not a bank, mortgage company, or licensed lender. We connect qualified owners with private capital sources and manage the review, documentation, and arrangement process. Every arrangement is made through those sources and remains subject to their own review and approval.
What if I cannot meet the terms?
As with any secured arrangement, not meeting the agreed terms can mean losing the collateral. The full terms, including what happens in a default, are disclosed and agreed before anything is finalized. We encourage you to read everything carefully and, where it makes sense, to consult your own legal and financial advisors first.

See What Your Asset Can Unlock

Send us your asset for a confidential, no-obligation review. No credit check, no income verification, and complete discretion from first contact.

Unlock Liquidity Call (516) 762-4200

Prefer email? Reach us at info@lqdasset.com