At Beverly Loan Company, collateral is the cornerstone of our lending process. We offer private, short-term loans secured by high-value assets — no credit checks, no financial disclosures, and no lengthy approval delays.
But what exactly qualifies as acceptable collateral?
This guide outlines the types of assets we commonly accept, how they’re evaluated, and what factors influence loan value.
What Is a Collateral Loan?
A collateral loan allows you to borrow money using a valuable item as security. If the loan is repaid on time, the item is returned in its original condition. If not, the lender may retain the asset — but there is no impact on your credit score, no public record, and no obligation beyond the terms of the agreement.
At Beverly Loan, all assets are stored securely, fully insured, and handled with the utmost care.
Assets Commonly Accepted as Collateral
Fine Jewelry
- Diamond rings, loose stones, bracelets, necklaces, and designer pieces
- Items from Cartier, Tiffany & Co., Van Cleef & Arpels, and Bulgari
- Appraisals are based on carat weight, clarity, cut, and metal type
Luxury Watches
- Brands including Rolex, Patek Philippe, Audemars Piguet, and Richard Mille
- Value determined by model, condition, provenance, and market demand
- Original boxes, papers, and service records can enhance loan offers
Fine Art
- Original paintings, signed prints, and sculpture by recognized artists
- Market performance, authenticity, and condition are key factors
- Documentation of provenance and prior sales supports stronger valuations
Luxury & Classic Cars
- Eligible vehicles include high-end sedans, exotics, and vintage models
- Must have a clean, lien-free title in the borrower’s name
- Vehicles are professionally stored and fully insured during the loan term
Designer Handbags
- We accept bags from Hermès, Chanel, Louis Vuitton, and other luxury labels
- Items must be in excellent condition and authenticated
- Original packaging and receipts can increase assessed value
Precious Metals & Loose Stones
- Gold, platinum, and investment-grade gemstones are evaluated by weight, purity, and clarity
- These items are particularly well-suited for short-term, high-value liquidity
Collectibles (Case-by-Case Basis)
- Rare items with established resale demand — including coins, memorabilia, and other valuables — may be eligible upon review
What Influences Loan Value?
Several factors affect how much you can borrow:
- Brand or artist recognition
- Market demand and resale strength
- Physical condition and completeness
- Availability of documentation or certificates
- Current trends in value or desirability
Loan amounts typically range from 30% to 70% of fair market value, depending on asset type and risk profile.
Not Sure If Your Item Qualifies? Just Ask.
We evaluate every item with care and discretion. If you’re uncertain about whether your asset qualifies, we’re happy to provide a complimentary consultation. Many clients are surprised to learn that what they own has significant lending value — without needing to part with it permanently.
FAQs: Understanding Collateral at Beverly Loan
Can I use more than one item to secure a loan?
Yes. We frequently bundle multiple assets into a single agreement for a higher loan value.
Are evaluations free?
Yes. Appraisals are conducted in-house, confidentially, and at no cost or obligation to you.
How long can I borrow against an item?
Standard loan terms are 3 to 6 months, with extensions available upon request.
Will my item be safe during the loan term?
Absolutely. All assets are photographed, logged, insured, and stored in a high-security, climate-controlled vault.
Start with What You Own
Your assets hold more than personal value — they hold financial flexibility. If you’re looking for fast, discreet funding, a collateral loan from Beverly Loan may be the solution.
Schedule your private consultation and discover what your assets can unlock.