About Luxury Asset Loans

Who we are

Luxury Asset Loans is a marketing platform connecting customers with California licensed lenders for asset-backed loans against luxury watches, fine jewelry, fine art, gold and bullion, and collector vehicles. Our licensed-lender network operates appraisal locations across California — Downtown LA, Santa Monica, Lancaster, Baldwin Park, and Fresno — and we serve clients across all 50 states through our travel program.

How we're different

Most California asset-collateral lending is consumer-grade — second-hand resale, retail traffic, and small-dollar loans. The licensed-lender partners in our network operate at a different scale: typical loan sizes are six and seven figures, the appraisers are dealer-grade specialists in their categories, and collateral is held in UL-rated vault storage rather than retail display.

The model is built for one specific client: someone with concentrated wealth in physical assets who needs liquidity for a defined period without selling, without credit pulls, and without the friction of bank underwriting.

Compliance

All loans are originated and consummated in California under California Financial Code §21000 et seq. Three-month renewable terms. Finance charges disclosed in writing at signing. No credit pull, no income verification, no recourse beyond the collateral asset. Out-of-state advertising is informational only — loans are originated in California.

The team

Senior appraisers across each major asset class. Watches: 20+ years dealer-side, full familiarity with Rolex, Patek, AP, Richard Mille, and the secondary market for high-complication pieces. Jewelry: GIA-graduate gemologist on staff, signed-piece specialist with relationships across the major maisons' secondary channels. Art: post-war and contemporary specialist, auction-house experience. Vehicles: classic and modern collector specialist with Barrett-Jackson and RM Sotheby's network access.

Contact

Inquiries: [email protected]. We respond within two hours during business hours.