A luxury asset line of credit gives you ongoing, revolving access to capital secured by the value of your luxury assets — without selling them, without a credit check, and without income verification. Beverly Loan Company offers this flexible lending structure from our Beverly Hills office, where clients have trusted us with their most valuable possessions since 1938.
What Is a Luxury Asset Line of Credit?
A luxury asset line of credit is a revolving credit facility secured by your physical luxury assets — fine jewelry, watches, art, classic cars, designer handbags, or precious metals. Unlike a one-time collateral loan, a line of credit establishes a maximum borrowing limit based on the appraised value of your collateral. You draw funds as needed, repay, and draw again — much like a home equity line of credit (HELOC), but secured by luxury assets rather than real estate.
Because the loan is secured by physical assets, approval is based entirely on the value of your collateral — not your credit score, income, or employment history.
How Beverly Loan Company’s Asset-Backed Line of Credit Works
- Asset appraisal. Our certified specialists evaluate your luxury assets at our Beverly Hills office and establish a credit limit based on current authenticated market value.
- Line established. You receive a revolving credit line, typically 50–70% of your assets’ appraised value, with a minimum of $2,500 and no maximum ceiling for qualifying assets.
- Draw funds as needed. Access capital when you need it — same or next business day disbursement.
- Repay and redraw. As you repay principal and interest, your available credit is restored. Your assets remain in our secure vault and are returned when the line is fully repaid.
Assets Accepted for a Luxury Line of Credit
- Fine jewelry and diamonds (GIA-certified and uncertified)
- Luxury watches — Rolex, Patek Philippe, Audemars Piguet, Richard Mille, and other premium brands
- Fine art — paintings, sculptures, and works by recognized artists
- Classic and exotic automobiles
- Designer handbags — Hermès Birkin and Kelly, Chanel, Louis Vuitton, and other auction-worthy pieces
- Precious metals — gold bars, platinum, and silver bullion
- Rare coins and numismatic collections
- One-of-a-kind memorabilia and collectibles
Luxury Line of Credit vs. One-Time Collateral Loan
| Feature | Line of Credit | One-Time Collateral Loan |
|---|---|---|
| Revolving access | ✅ Yes — draw, repay, redraw | ❌ No — single disbursement |
| Best for | Ongoing or uncertain capital needs | Single, defined cash need |
| Interest charged on | Amount drawn only | Full loan amount |
| Credit check | ❌ None | ❌ None |
| Assets retained | ✅ Redeemable on full repayment | ✅ Redeemable on repayment |
| Flexibility | High | Moderate |
Who Uses a Luxury Asset Line of Credit?
Beverly Loan Company’s luxury line of credit clients include:
- Business owners seeking short-term working capital without bank paperwork
- High-net-worth individuals managing cash flow between asset sales or investment events
- Collectors who want liquidity without permanently parting with prized pieces
- Entrepreneurs funding a time-sensitive opportunity quickly and privately
- Individuals handling private financial matters who prefer discretion over bank transparency
Frequently Asked Questions About Luxury Asset Lines of Credit
How is my credit limit determined?
Your credit limit is based on the current authenticated market value of your luxury assets, typically set at 50–70% of appraised value. Our specialists evaluate your assets individually to ensure accurate and competitive valuations.
Is a luxury line of credit reported to credit bureaus?
No. Beverly Loan Company’s asset-backed lines of credit are not reported to any credit bureau or agency. The transaction is entirely private.
Can I add more assets to increase my credit line?
Yes. If you want to increase your available credit, you can bring additional qualifying assets to be appraised and added to your collateral pool.
What happens to my assets if I can’t repay?
As a licensed pawnbroker, Beverly Loan Company follows California state regulations governing collateral lending. If a loan is not repaid or extended, the company retains the asset — but your credit is not affected, and there is no legal recourse beyond the asset itself.
Do I need an appointment?
Yes. All appraisals and loan originations are conducted by appointment at our private Beverly Hills office. Contact us to schedule a confidential consultation.
Ready to establish a luxury asset line of credit? Contact Beverly Loan Company to schedule your private appraisal in Beverly Hills.