How much can I borrow?.

What we lend against

Watch loans typically run 50–65% of wholesale fair market value. Box-and-papers, condition, reference, and current market sentiment all factor in.

To start the conversation, email hi@luxuryassetloans.com with photos and reference details. For a calibrated baseline before that, use the LAL estimator — it'll give you a wholesale-FMV range based on category, value, and target loan amount.

What to send

• 4–6 clear photos of the asset (front, back, sides, condition detail)
• Reference number, date code, or model identifier
• Documentation: papers, certificates, provenance, GIA grading reports
• A brief note about how much you want to borrow and your timeline

In-person appraisal sets the final number.