SERVING MIAMI, FL
Luxury asset loans in Miami
Miami, Coral Gables, Bal Harbour, Star Island. MIA–LAX is 5.5h direct, redeye-friendly. Flights covered for loans above $750,000. Heaviest on signed jewelry, RM, and vehicles.
Closest LAL office
Our Downtown LA office is the primary point of contact for Miami 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
Miami 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 FL clients, see our FL state page.
How Miami clients work with us
The typical inquiry from Miami 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 Miami renew once or twice and pay off the loan within 6 to 9 months.
Miami client? Start here.
Email [email protected] with the asset and condition photos. Two-hour response.
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