“Provenance” is a term frequently tossed around in auction houses, but its impact on loan-to-value (LTV) ratios is profound. Provenance is the documented history of an object—who owned it, where it was exhibited, and how it was acquired.

In 2026, as forgeries and “super-fakes” become more sophisticated, provenance is the shield of authenticity.

• For Watches: The “Box and Papers” are the first layer of provenance. A service history from the manufacturer is the second.
• For Art: An uninterrupted chain of ownership from the artist to the current owner is essential for maximum value.
• For Jewelry: An invoice from a royal house or a notable celebrity estate can multiply the value of a piece far beyond its gemological sum.

When you bring an asset to Beverly Loan Company, we urge you to bring the story with it. Documentation, receipts, and certificates are not just paperwork; they are value multipliers. Our experts are trained to research and verify this history to ensure you receive the maximum capital availability for your assets.