When you own a luxury timepiece from a prestigious manufacturer like Rolex, Patek Philippe, or Audemars Piguet, you possess more than just an instrument for telling time—you hold a valuable asset that can provide immediate financial flexibility. At Beverly Loan Company, we’ve specialized in luxury watch loans since 1938, offering a confidential, professional alternative to selling your cherished timepieces.

Introduction to Watch Loans

A luxury watch loan allows you to leverage the value of your high-end watch to secure immediate funding without permanently parting with it. Unlike traditional bank loans that require extensive credit checks and lengthy approvals, watch loans are secured by the intrinsic value of your timepiece. This means you can access cash within hours, maintaining complete privacy.

The luxury watch market has seen remarkable growth, with certain models appreciating faster than traditional investments. This makes luxury watches not just symbols of success but also practical financial assets. Whether for a business opportunity, unexpected expenses, or to avoid liquidating other investments, a watch loan offers the flexibility you need while letting you retain ownership.

How Watch Loans Work

The process is designed to be quick and efficient:

1. Evaluation: Bring your timepiece to our Beverly Hills office. Our certified horologists will perform a comprehensive evaluation using state-of-the-art equipment.
2. Authentication: We verify your watch’s authenticity by examining its movement, case, dial, serial numbers, and documentation.
3. Valuation: We assess its current market value based on brand, model, condition, age, rarity, and demand. Our process is transparent, and we’ll explain how we arrived at the loan offer, referencing recent auction results and market data.
4. Funding: Once you agree to the terms, you receive your funds immediately via same-day wire transfer or cash. Your watch is then stored securely in our climate-controlled, fully insured vault.

The entire process is confidential and is not reported to credit agencies, ensuring your privacy.

Qualifying Watch Brands

While we evaluate timepieces from numerous manufacturers, certain brands consistently qualify for the highest loan values.

• Rolex: Our specialists regularly evaluate iconic models like the Submariner, Daytona, and GMT-Master II, which maintain strong secondary market values.
• Patek Philippe: These exceptional timepieces, especially complicated models like the Nautilus and Aquanaut, often command the highest loan values.
• Audemars Piguet: The Royal Oak and Royal Oak Offshore collections consistently qualify for substantial loans due to their innovative designs and limited production.
• Other High-Value Brands: We also provide significant loans for Vacheron Constantin, Richard Mille, F.P. Journe, Omega, Cartier, IWC, Jaeger-LeCoultre, and A. Lange & Söhne.

We also evaluate luxury watches from fashion houses like Hermès, Chanel, and Bulgari on a case-by-case basis.

The Valuation Process

Our certified specialists employ a systematic approach to ensure you receive the maximum loan value.

• Condition: We examine every component under magnification. Original, unpolished cases command premium values.
• Movement: A recently serviced watch with documentation typically qualifies for a higher loan amount.
• Documentation: Complete sets with original boxes, papers, and receipts qualify for the highest loans, often increasing values by 15-30%.
• Market Demand: We continuously monitor auction results and market trends to provide current and accurate valuations.
• Rarity: Limited editions, prototype pieces, or watches with interesting provenance command premium valuations.

Loan Terms & Rates

Our loan terms are structured for maximum flexibility and transparency.

• Loan Amounts: Typically range from 40% to 70% of your watch’s current market value.
• Interest Rates: Competitive and clearly disclosed upfront, with no hidden fees or prepayment penalties.
• Flexibility: We offer flexible term lengths and renewal options to align with your financial timeline.
• Security: Storage and comprehensive insurance are included in your loan terms.

Watch Care During Your Loan

The security and preservation of your timepiece are our paramount concerns.

• Secure Storage: Your watch is stored in a climate-controlled vault with consistent temperature and humidity levels.
• Full Insurance: Every watch is fully insured for its appraised value from the moment it enters our possession.
• Professional Handling: We follow meticulous care instructions, especially for delicate vintage pieces.
• 24/7 Security: Our facility features constant surveillance, motion detection, and restricted access protocols.

Common Mistakes to Avoid

1. Don’t Clean or Polish Your Watch: Improper cleaning can reduce a watch’s value. Collectors prefer original condition.
2. Bring All Documentation: Even partial paperwork can improve loan values.
3. Choose an Expert Lender: Inexperienced lenders may undervalue your watch. Our specialists recognize rare features that others might miss.
4. Understand the Valuation: Ask questions to ensure you’re making an informed decision.

Comparison to Other Financing Options

Option	Watch Loan	Bank Loan	Credit Card Advance	Selling Your Watch
Speed	Hours	Weeks	Instant	Days/Weeks
Credit Check	No	Yes	No	No
Privacy	High	Low	Moderate	Low
Ownership	Retain	N/A	N/A	Lose
Interest	Competitive	Varies	Very High	N/A

Success Stories

While we maintain strict client confidentiality, our loans have helped:

• An entrepreneur secure $500,000 in same-day funding for a time-sensitive real estate deal using his vintage Rolex collection.
• An art collector obtain funds for a family medical emergency by loaning a Patek Philippe heirloom, avoiding the need to sell it.
• A business owner manage a temporary cash flow issue with a loan against his Audemars Piguet collection, preserving his business’s reputation.

Frequently Asked Questions (FAQ)

How much can I borrow against my Rolex?

Loan amounts typically range from 40% to 70% of your Rolex’s current market value. Popular and rare models often qualify for the highest percentages. We’ll provide a precise quote during your confidential loan application.

What watches qualify for collateral loans?

We accept authentic, working luxury watches from established brands like Rolex, Patek Philippe, and Audemars Piguet. Vintage, limited edition, and complicated watches often qualify for premium loans.

How are luxury watches valued for loans?

Our specialists evaluate brand, model, condition, documentation, market demand, and rarity, referencing current market data to ensure an accurate and fair valuation.

Do I keep my watch during the loan?

Your watch serves as collateral and is stored in our secure, insured vault during the loan period. It is returned to you immediately upon repayment.

What’s the difference between pawning and selling?

Pawning (getting a loan) allows you to retain ownership and reclaim your watch. Selling permanently transfers ownership. A loan lets you benefit from future appreciation and keep an item with sentimental value.