WishList Luxury arranges confidential, asset-secured lending against fine watches, jewellery, art, classic cars and rare collectibles. You keep ownership. You get access to capital in days, not quarters. And nothing about it becomes public.
Selling a rare asset is a one-way door. A Patek with provenance, a numbers-matching classic, a piece you spent years finding — once it leaves your hands, the market rarely offers it back on your terms. Luxury asset lending is the alternative. You pledge an asset you own as security. We arrange a facility against its appraised value. The asset is held in insured, climate-controlled custody for the term. When the balance is repaid, it comes home to you — same piece, same condition, same paperwork.
Collectors bridging to a
purchase, an auction, or a
private allocation
Business owners needing
short-term working capital
without diluting equity
Clients settling an estate, a
divorce, or a tax bill on a
deadline
Anyone who would rather
borrow against a Birkin than
explain a Birkin.
Tell us the asset, its condition, and any documentation you hold. Use the form below, or call a private client director directly. Nothing is recorded on a credit file at this stage.
We appoint a specialist appraiser for the category — horology, jewellery, fine art, or automotive. Provenance documents, service history and certification materially raise the figure. Valuation is at our cost.
You receive a written offer: advance amount, term, fee structure, and custody arrangements. Nothing is signed until your own advisers have reviewed it. If the terms don’t work, the conversation ends there and the asset never leaves you.
The asset moves to an insured vault under a documented chain of custody, collected by specialist transport. Funds are transferred to your nominated account, typically within 24–48 hours of custody being confirmed.
No. The facility is secured against the asset, so we assess the piece rather than your credit history.
No. Physical custody is what allows us to lend at these rates without a credit assessment. For clients who need to retain use of an asset — a car for a season, a piece for an event — ask about our referral to lenders who structure non-possessory facilities.
By an independent specialist for the category, using recent comparable sales, current market demand, and the documentation you hold. Provenance, original packaging, certification and service history routinely add meaningful value.
Speak to us before the redemption date. In most cases the facility can be extended by agreement. If it cannot, the asset is sold to clear the balance and any surplus above the amount owed is returned to you in full.
Yes. Portfolios are common, and a mixed collection often supports a larger advance than the pieces would individually.
Your enquiry is handled by one director and is not shared. Expect a response within one business day.
