When it comes to high-value assets, the rules of traditional lending often fall short. That’s why luxury loans — discreet, asset-backed loans secured by personal valuables — have become the preferred choice for clients who need fast access to capital without sacrificing privacy.
At Beverly Loan Company, we’ve spent over 85 years perfecting this process. Here’s how luxury lending works — and why more clients are turning to us for intelligent, flexible financing.
What Is a Luxury Loan?
A luxury loan is a short-term loan secured by a high-value asset. Instead of relying on your credit score, tax returns, or employment history, the loan is based solely on the market value of the item you pledge.
This structure provides fast liquidity without paperwork, long waits, or exposure of your financial profile.
Common assets used for luxury loans include:
- Fine jewelry
- Luxury watches
- Designer handbags
- Fine art
- Exotic and classic cars
- Precious metals or loose stones
Who Uses Luxury Loans — and Why
Our clients include entrepreneurs, collectors, entertainers, investors, and everyday individuals with valuable assets and immediate needs. Some of the most common reasons they choose luxury loans:
- To cover short-term business cash flow
- To fund a new opportunity or investment
- To manage a temporary financial gap without selling prized assets
- To maintain privacy while securing capital quickly
The Beverly Loan Process: What to Expect
1. Schedule a Private Appointment
We welcome clients to our Beverly Hills office for discreet, one-on-one consultations. Walk-ins are accepted, but appointments are encouraged for a personalized experience.
2. In-House Appraisal
Our experts evaluate your item’s authenticity, condition, and current market value. For jewelry and watches, we assess gem quality, brand significance, and provenance. For art, we review provenance, market demand, and past sales data.
3. Receive a Loan Offer
You’ll receive a clear offer outlining the loan amount, interest rate, repayment timeline, and storage conditions. There is no obligation to proceed.
4. Immediate Funding
If accepted, funding is typically issued the same day — by wire, check, or cash.
5. Asset Storage and Return
Your asset is stored in a high-security, climate-controlled vault and fully insured for the duration of the loan. Once the loan is repaid, the item is returned in the exact condition it was received.
Why Clients Choose Beverly Loan
- Speed: Loans often close within hours
- Privacy: No credit checks, no reporting, no exposure
- Experience: Trusted since 1938 in Beverly Hills
- Flexibility: Loans can be extended or adjusted to fit client needs
- Security: All assets are insured and stored with the highest precautions
We are known not only for our discretion, but also for the quality of service we provide to each individual client.
Frequently Asked Questions
How much can I borrow?
Typically between 30% to 70% of the asset’s fair market value, depending on the item and demand.
Will my item be safe during the loan term?
Yes. Every item is photographed, logged, insured, and stored in a secure facility with 24/7 monitoring.
What if I need more time to repay?
We offer flexible extensions and renewals. Communication is key — we work with our clients to preserve relationships and outcomes.
Can I use multiple items to increase the loan amount?
Absolutely. We can bundle several assets into one agreement or structure them separately, depending on your preference.
A Modern Approach to Lending — Backed by Trust
Luxury loans offer a better way to unlock liquidity — fast, private, and fully secured. At Beverly Loan, we’ve designed our process to serve the unique needs of clients who expect more.
Schedule your confidential consultation and discover how much your assets can unlock.