Luxury Asset Financing

Luxury asset loans enable you to use high-value possessions, such as yachts, private jets, art collections, or luxury cars, as collateral for a line of credit or term loan. Instead of selling your assets, you can access liquidity while retaining ownership. Once the loan is repaid, the asset is released back to you.

Eligibility depends on the type and value of the asset, your financial profile, and the lender’s requirements. Enness collaborates with a network of private banks and specialty lenders who assess the market value, provenance, and liquidity of your assets to determine available financing options. You’ll typically need proof of ownership, insurance, and a clear asset valuation.

Common eligible assets include:

• Supercars and collectible vehicles.
• Superyachts
• Private jets: Aircraft with verified resale value.
• Fine art
• Jewelry and watches
• Rare wine or collectible goods

You can also combine multiple assets as collateral to increase borrowing power.

Costs vary depending on the asset, loan size, and lender terms. Interest rates typically range from 3% to 15%, depending on the asset's liquidity and the borrower's profile. Additional fees, such as valuations or legal expenses, may apply. Enness helps negotiate favorable terms with transparent fees so you understand all the costs upfront. 

Luxury asset financing is ideal for high-net-worth individuals, entrepreneurs, and investors seeking quick access to liquidity without disrupting their investment portfolios or selling valuable assets. It’s also suitable for those who need short-term funding for purchases or cash flow management.

This type of financing provides flexible access to capital while allowing you to retain ownership of your luxury possessions. It’s useful for funding new acquisitions, property purchases, or business opportunities, or simply freeing up capital tied to illiquid assets.

Yes. Enness arranges asset-backed loans secured by fine art, collectibles, luxury jewelry, vintage watches, and classic cars. We work with lenders who understand the nuances of these markets and value discretion, privacy and efficient funding. 

Depnding on the asset and the lender, but usually financing can be often be secured in 24 to 72 hours. Verified appraisals and documentation expedite yacht, art, or collectible finance.

In many cases, you can retain possession of the asset as long as it remains insured and verifiable. However, storage requirements depend on the asset and lender. Assets are typically stored in secure, insured facilities for the duration of the loan, such as climate-controlled vaults for fine art.

Yes. Many lenders offer cross-border luxury asset finance, serving clients in locations such as London, Geneva, Dubai, New York, and other global cities. International art, yacht, and wine finance is accessible via trusted logistics and valuation partners. 

The main risk is potential asset loss if a borrower defaults on the loan. Additionally, market fluctuations can affect asset valuations. Enness ensures that clients fully understand the terms, risks, and repayment structure before proceeding, helping you make informed and secure decisions.