“Provenance” is a term borrowed from the art world, but it applies equally to watches, diamonds, and handbags. Simply put, it is the history of ownership and authenticity. In the collateral lending business, provenance is directly correlated to value.

Documentation Adds Value

A Patek Philippe with its original Certificate of Origin is worth significantly more than one without. A diamond with a GIA report commands a higher loan-to-value ratio than an uncertified stone. An Hermès bag with its original receipt offers indisputable proof of authenticity.

Best Practices for Collectors

At Beverly Loan Company, we encourage our clients to maintain impeccable records.

• Watches: Keep the inner and outer box, warranty card, and manual.
• Jewelry: Keep the original receipt and any lab reports (GIA, AGL).
• Art: Keep the bill of sale and any exhibition history.

Preserving these documents is not just good housekeeping—it is financial stewardship. These documents allow our appraisers to offer the maximum possible loan value with the highest degree of confidence.