When you borrow against a high-value asset with LQD, that asset stays in your name and moves through a controlled, fully insured process built to protect its condition, its paperwork, and its worth. Transport, handling, and custody are insured from the moment your asset is collected until the day it comes back to you.
Accept a set of terms from LQD and your asset steps into a defined, protected routine. Put simply: our specialists appraise and authenticate it and set the value that drives underwriting; once the loan is approved, we coordinate transport and intake; the asset is documented and locked into secure custody; transport, handling, and custody stay insured for the entire term; and the asset is released and returned to you the moment your obligations are met. Throughout, it remains yours and remains in your name.
Every part of that valuation is handled in house. LQD researches the market itself, authenticates the item itself, and sets the value itself, and our AI-powered underwriting turns that work into indicative terms within hours rather than days. We do not farm out appraisal or authentication. For the wider picture, you can read how the capital process runs from first submission through funding.
Two things hold true for the life of every loan. First, the asset is insured, not only in transit but the whole time it is held, so protection follows it from pickup through handling to secure storage and back again. Second, the asset stays in your name. It is pledged as collateral and kept safe, not sold, not signed over, and released to you once the balance is settled.
That combination is what makes borrowing against physical property comfortable for people who own significant things. A single watch or an entire collection is treated the same way: covered while it moves, covered while it sits, and returned to its owner at the end. It is also why the arrangement stays confidential and discreet at every step, because the value at the center of it is worth protecting from more than just physical risk.
The precise coverage for any single loan, including the responsible carrier or provider and the agreed value, lives in that transaction's documents. LQD does not claim that any policy is unlimited, carries no exclusions, or guarantees reimbursement in every situation. The written terms govern.
With tangible, high-value collateral, storage is not paperwork tacked onto the deal. It is bound up in the value being lent against. Good custody keeps an asset in the condition it arrived in, shields it from unauthorized use or movement, and holds an unbroken chain of custody from the first day of the loan to the last. That discipline protects you, protects the collateral, and protects the loan itself.
A custody process worth the name does four things at once. It captures condition precisely, so the asset's state is recorded and reconfirmed at both ends. It restricts access, so only authorized hands touch or move the item. It safeguards the titles, certificates, keys, and records that prove ownership and authenticity. And it keeps insurance continuous, so cover never lapses between the road and the vault.
These are practical necessities, not niceties. Underwriting assumes the asset is verified, protected, and available for the whole term, and clean custody is exactly what lets us extend indicative terms in the first place. The aim never changes across the full range of assets we lend against: preserve it, secure it, and keep control of it unambiguous.
In-house valuation, insured transport, protected storage, and a documented return. Each stage is recorded and controlled.
We examine ownership, condition, documentation, and provenance, run our own market research, and authenticate and appraise the asset ourselves. Our specialists inspect it directly, and that in-house value, fed through AI-powered underwriting, shapes the terms you are offered. None of it is referred out.
With the loan approved, we schedule pickup and move the asset by enclosed or specialized transport. Chain-of-custody records, photographs, identifying numbers, keys, titles, certificates, and a condition report are all captured at secure transfer. Transport, handling, and custody are insured from the start.
The asset sits in secure storage with controlled access and condition preservation, including climate management where it matters. Use is restricted, inventory is tracked, and the holding is monitored and logged. It stays securely held for the whole term, with insurance running the entire time.
When your obligations are satisfied, release is authorized and the return is arranged. Documents, titles, and keys go back to you, condition is reconfirmed, and insured transport home is coordinated where it applies. Return follows the written documents, not a same-day promise.
No single locker fits everything. Handling, environment, and storage are shaped around what is being protected across all twelve asset classes.
Artwork and collectibles are handled by specialists, packed to suit, and stored with attention to temperature, humidity, and light where it counts. Condition is recorded in detail and provenance is tracked, keeping the piece protected through any fine art loan.
These go into vault-grade, access-controlled custody with itemized records. Every piece is photographed and logged with serial numbers, grading reports, certificates, and weights where they apply, then held securely for the term. The same care covers jewelry and watch borrowing and precious metals lending.
Cars ride in on enclosed transport and land in secure vehicle storage. Mileage, keys, title, and VIN are logged, battery and maintenance needs are handled for the term, and use is restricted. That underpins collateral loans on vehicles across exotics, classics, and specialty cars.
Heavy and commercial machines are placed in secure yards or storage, or kept in place with location control and usage limits where the agreement allows. Serial numbers, transport logistics, condition, and maintenance history are recorded so each machine stays identified and protected for the term.
Aircraft are kept in secure hangar custody with restricted access and documented condition. Logbooks, tail number, and maintenance records are tracked, insurance applies, and storage and condition are managed for the term. See how aircraft-backed lending is put together.
Vessels sit in marina berths or dry storage with access control and verified location. The hull identification number, documentation, and maintenance records are tracked, and handling and custody stay insured, supporting loans against yachts and marine assets.
Collectible handbags, memorabilia, and heirlooms get careful handling and packing, with photographs, provenance, and authenticity captured and itemized records kept. Humidity and storage are managed so condition holds for the full term.
Every asset is followed through a written chain of custody, intake to return. The file is built from the details that uniquely identify and describe it, so its identity, condition, and ownership are never in doubt at any point in the loan.
Depending on the item, that record can hold photographs, serial numbers, a VIN, a hull identification number, or a tail number, plus certificates, titles, maintenance and service history, provenance, and grading reports. Inventory logs, condition reports, and signed release instructions round out the file. Each hand-off is recorded, and the same identifying detail is checked again at return, so the asset that leaves custody is provably the one that entered it.
Access to a held asset is tightly controlled. As a rule, an item in custody cannot be moved, used, sold, altered, or transferred without authorization. Those rules exist to protect both you and the loan, keeping the asset preserved and its control clear while the arrangement runs. What applies to a specific asset depends on the item and the agreement: some, such as equipment that stays in service, allow continued use under defined terms, while portable valuables are simply held securely for the term.
Discretion is built into all of it. Asset information is treated as confidential, access to documentation is limited, and communication is handled professionally at every turn. Details are shared only as far as needed to complete the loan and only with people you authorize. No process can promise absolute anonymity, but for collectors, business owners, family offices, and private clients, LQD handles every engagement with the confidentiality these assets and their owners expect.
Once repayment is confirmed and your obligations are met, release is authorized and the return is scheduled. Any documents, titles, certificates, and keys held for the loan go back to you, and insured return transport is arranged where it forms part of the process.
On arrival, condition is checked against the intake record before custody closes, ending the chain of custody the way it began. Timing depends on the asset, the return logistics, and the applicable documents, and it is handled with the same care as intake rather than as a same-day handover. If you want to request indicative terms or talk through a particular asset, our team can walk you through what return would look like in your case, or reach us at (516) 762-4200 or info@lqdasset.com.
Rights and remedies are set by the signed agreements. If the obligations are not met, the asset may stay in custody, and the sale, transfer, or disposition rights written into the documents may apply. Additional storage, transport, recovery, or legal costs can also apply.
These are standard terms for an asset-backed loan, and they are spelled out in the transaction documents rather than left open. Clients should read these provisions closely before proceeding, so the responsibilities and possible outcomes are clear from the outset.
From in-house valuation to fully insured transport, handling, and custody, your asset stays securely held and in your name for the life of the loan. Submit it for a confidential review and see indicative terms within hours, with no obligation to proceed. Loans run from $10,000 to $10,000,000, with funding typically within 24 to 72 hours.