Luxury Goods Finance

Luxury Goods Finance converts the value of your collection into accessible capital. While assets must be placed into secure custody for the duration of the loan, you retain full ownership and regain possession once the facility is repaid.

The Process with Enness

1. Asset Review
   You share details and photographs of the items you wish to use as collateral.
2. Funding Requirements
   Your broker confirms how much you want to borrow and your desired timeline.
3. Lender Screening
   Enness connects you with specialist lenders suited to your asset type and profile.
4. Offers & Negotiation
   You receive in-principle terms; your broker compares them, explains them, and negotiates on your behalf.
5. Formal Appraisal
   Expert appraisers verify authenticity, provenance, condition, and value.
6. Completion
   Assets are placed into secure storage, and funds are released quickly, often within days.

This is a discreet, private, and efficient lending process designed for high-net-worth individuals.

Rates vary depending on:

• Type and quality of the assets
• Liquidity and desirability of the collection
• Loan size
• Borrower profile
• Lender appetite and risk assessment

Enness negotiates to ensure you secure:

• The most competitive pricing
• Maximum flexibility
• No unnecessary penalties (e.g., early repayment charges)
• Fast execution

Because lender appetite changes frequently, pricing is always assessed on a case-by-case basis.

Formal valuations ensure your lender understands the true quality of your assets. Appraisers will consider:

• Brand, rarity, and model
• Year of production
• Condition and storage
• Ownership history and provenance
• Market demand and resale confidence

Different asset classes often require different specialists, for example, wine vs. supercars vs. fine art, to ensure accuracy and lender confidence.

Luxury goods lending is specialised and conservative due to asset volatility, storage requirements, and resale considerations. Generally:

• Borrowing often falls around 50% of the appraised value
• Minimum collection value typically starts at £700,000, though most lenders prefer £1 million+
• Borrowing amounts usually range from £250,000 to £5 million, depending on the asset type and quality
• High-value art, cars, and wine collections can support significantly larger loans

Whether you want to borrow against a single rare item or a multimillion-pound collection, Enness secures exceptional offers from vetted lenders worldwide.

Traditional banks rarely lend against luxury goods; they lack the expertise, appetite, and infrastructure to do so. Enness, however:

• Works exclusively with trusted, specialist lenders
• Provides introductions to boutique funders not publicly accessible
• Offers complete discretion and confidentiality
• Secures rapid execution for time-sensitive liquidity needs
• Tailors every deal to maximise borrowing while keeping costs low

This is a relationship-driven market, and Enness opens the doors that high-net-worth clients cannot otherwise access directly.