SERVING HOUSTON, TX
Luxury asset loans in Houston
Houston — energy money, River Oaks, Memorial. IAH–LAX is 3h direct. We cover round-trip flights (usually first class) for loans above $500,000. Heavy watch, jewelry, and vehicle market.
Closest LAL office
Our Downtown LA office is the primary point of contact for Houston clients. Drop-off and intake satellite, by appointment. Convenient for clients in central and east-side LA who want to avoid westside traffic for the asset hand-off. Final appraisal and loan origination occur at our Santa Monica flagship — not all loans are processed at this location. Best for: dealer-network coordination, jewelry intake, and clients dropping off pieces during their downtown business day.
What we lend against
- Watches — up to 65% LTV, 24-hour funding
- Fine jewelry — up to 55% LTV, 24-hour funding
- Fine art — up to 50% LTV, 48-hour funding
- Gold & bullion — up to 70% LTV, same day
- Collector vehicles — up to 50% LTV, 48-hour funding
Travel program
Houston clients fly to LAX on us for loans above $250,000 (above $500,000 for east-coast markets, $750,000 for NYC and Miami). See travel program.
For a broader view of how we serve TX clients, see our TX state page.
How Houston clients work with us
The typical inquiry from Houston comes from a collector who needs liquidity for a specific window — a property closing, a business opportunity, a tax deadline — and doesn't want to liquidate the underlying asset. We provide a defined-period loan against the asset, you keep ownership, and you redeem when the window closes.
No credit pull, no income verification, no recourse beyond the asset itself. Three-month renewable term. Most clients in Houston renew once or twice and pay off the loan within 6 to 9 months.
Houston client? Start here.
Email [email protected] with the asset and condition photos. Two-hour response.
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