Top Rated UK Asset Lender

Fast, Discreet Loans Against Assets

Release capital instantly when you borrow money against your property, land, gold (and other precious metals), inheritance, crypto or investment portfolio. No credit checks required. Funds transferred same-day.

  • Borrow from £1,000 to £250k
  • Zero impact on your credit score
  • Redeem anytime with no exit fees

Free Asset Valuation

Select your asset type to get an instant provisional loan offer.

Final Details

100% Confidential. No credit footprint left.

Request Received
Our specialized valuation team is reviewing your asset and will call you within 15 minutes.

LOAN up to £250k

100% Discreet

FCA Regulated

Same Day Payout

Loans Against Assets

Which Assets Can Be Used to Borrow Against?

We leverage the value of your high-end items to provide immediate liquidity. Click to learn more about our specific lending criteria for each asset.

Expansive aerial landscape of green and brown agricultural fields under a clear blue sky.
Land

Residential, Commercial, Bridging

Property

Residential, Commercial, Bridging

Close-up of shiny goldbars and coins - Loans against Gold
Gold

Gold, Silver, Platinum, Precious Metals

loans against jewellery Collection of gold rings, bracelets, and chains
Jewellery

Rings, Necklaces, Bracelets and more

loan against crypto. Close-up of Bitcoin, Ethereum, and Cardano coins
Crypto

Bitcoin

Loans against garages double bay parking garage
Garages

Loans Against Parking Garages & Storage

loans against inheritance. mother handing child wooden home
Probate & Inheritance

Loans Against Probate & Inheritance

loans against stock. Close-up of stock market chart showing trends and data on a digital screen.
Stock

Loans Against Stock Portfolio

May also accept other assets. Enquire directly.

Smart Lending

Why Choose an Asset-Backed Loan?

Traditional banking is slow, bureaucratic, and highly dependent on your personal credit score. By securing a loan against an asset you already own, we bypass the red tape entirely. Your asset acts as your security.

No Credit Checks

We do not report to credit agencies or assess your income and ability to repay from ongoing cash flows. Your financial history remains private, and no footprint is left on your file.

Unmatched Speed

While banks take weeks, we can value property and land quickly, while gold and jewellery can be processed instantly, giving you access to cash the exact same day.

Absolute Security

Physical items used as security are fully insured and stored in private, climate-controlled vaults until you repay your loan.

How to Borrow Against Assets

A transparent, 3-step process designed to get capital into your hands as quickly as possible.

1. Valuation

Contact us for an in-person visit. Alternatively, submit photos via our form or WhatsApp. As a premier lender, our expert valuers will provide an instant, provisional offer to borrow against the value of your item based on current market value.

2. Handover

Bring the collateral to our discreet London office, contact us online, or arrange for a property valuation. We verify authenticity, provide valuations and lending decisions quickly.

3. Instant Payout

Sign your simple, regulated 7-month contract. Funds are transferred to your account instantly. No monthly repayment required.

Start Your Valuation

Frequently Asked Questions

Clear answers regarding our asset lending process.

We lend based on the secondary market value of your asset. For watches and jewellery, we typically lend up to 70% of the current market value. For property and land, we offer bridging loans up to 70% Loan-To-Value (LTV). Ultimately, the amount you can borrow is directly based on the value of the collateral for the loan.

Absolutely not. Because the loan is secured entirely by the physical asset you provide, affordability or credit checks do not need to be run. If you choose not to repay the loan, the asset is simply sold to recover the costs, with zero footprint left on your credit file.

No. Our standard loan terms are for up to 7 months. You pay nothing monthly. You simply pay the original loan amount plus the accrued interest at the end of the term, or whenever you choose to redeem your asset. You only pay loan interest for the exact days you have the loan.

Unlike unsecured loans, which rely heavily on your credit rating and personal income, our lending products are asset-backed. The physical item or portfolio you pledge acts as the security. This ensures much faster processing, guaranteed discretion, and a simple application process.

Using your stocks or crypto as collateral allows you to borrow against your investment portfolio to gain liquidity without selling your assets. This strategy lets you hold onto your market positions, avoid triggering immediate capital gains taxes, and meet your financial needs instantly.

5% is the general interest rate, but your specific interest rate will depend on the value and type of loan, the value of the collateral, and the asset class. Higher loan values may receive lower interest rates. We offer highly competitive borrowing costs and transparent terms, ensuring you know exactly what your repayment will be before signing.

While a traditional home equity line of credit requires lengthy bank applications, strict income assessments, and an excellent credit score, our service allows you to quickly borrow against the equity in your property with none of the red tape. Rather than a standard revolving line of credit, we provide a fast, discreet lump-sum loan based entirely on your asset's value, transferring your funds in a fraction of the time a traditional bank would take.