While Rolex and Patek Philippe dominate volume, the “Independents” have captured the imagination—and wallets—of the ultra-wealthy. Brands like F.P. Journe and Richard Mille represent the pinnacle of modern horology, combining low production numbers with extreme technical innovation.

The New Blue Chips

Valuing these timepieces requires deep industry connections. A Richard Mille RM 11-03 or an F.P. Journe Chronomètre Bleu are not merely watches; they are tickets to an exclusive club. Their value is heavily dependent on market sentiment and auction results, which can fluctuate more aggressively than traditional brands.

Why Expertise Matters

Many generalist lenders do not understand the value of independent horology. They may undervalue a watch simply because they do not recognize the brand name. Beverly Loan Company specializes in high-horology. We understand that a Richard Mille is an engineering marvel and an F.P. Journe is a piece of art. Our appraisers are capable of providing substantial capital against these assets, recognizing premiums for limited editions and complication-heavy models.