Time is often the most critical factor when seeking liquidity. Traditional loans take weeks. Borro operates on a timeline of hours. Here is how our “white glove” service works:
- The Estimate: It starts with a phone call or an online submission. You tell us about your asset, and our experts provide an initial loan estimate.
- The Valuation: We arrange for a secure shipment of your asset to our valuation center, or an in-person appointment at our Denver, New York, or Beverly Hills offices.
- The Offer: Once our GIA-certified gemologists or horologists inspect the item, we make a final, firm offer.
- The Funding: Upon your acceptance, contracts are signed digitally, and funds are wired immediately. In many cases, clients receive funds the same day the asset is received.
Throughout this process, there are no credit checks and no income verification. Your privacy is paramount. We are a “Trusted Steward” of your assets, fully insured and backed by Luxury Asset Capital. We make the complex simple, so you can focus on what matters.
Why Speed Matters in Luxury Lending
The situations that drive our clients to Borro rarely involve the luxury of time. A real estate closing that requires bridge capital by Friday. A business investment window that closes in 48 hours. An auction lot that demands immediate payment. A personal need that cannot wait for bank underwriting committees and multi-week approval processes. Borro was built specifically for these moments — our operational infrastructure is designed to move at the speed our clients’ lives demand, not at the pace of traditional financial institutions.
The Appraisal: Expertise You Can Trust
Every Borro loan begins with a professional appraisal by a specialist in the relevant asset category. Our team includes certified gemologists, horological specialists, fine art appraisers, and automotive valuation experts — each bringing years of market-specific experience to the evaluation of your asset. We do not rely on automated pricing tools or generic databases. Every appraisal is a bespoke assessment that considers the specific characteristics that drive value for your particular piece: condition, provenance, current market comparables, and the factors that create premium pricing within each category. This expertise is what allows us to offer loan values that genuinely reflect what your asset is worth.
Security and Insurance
Your asset is fully insured from the moment it enters our custody — whether shipped via our prepaid, insured logistics service or delivered in person. Our vault facilities meet the highest security standards in the industry, with environmental controls calibrated to the specific storage requirements of each asset category. Fine jewelry and watches are stored in individually tracked, climate-controlled safes. Artwork is stored in professional art storage with temperature and humidity monitoring. Vehicles are held in secure, climate-controlled facilities with individual tracking. Throughout the loan term, your asset is protected to the same standard you would expect from a museum or a world-class vault facility.
Redemption and Flexibility
Borro loans are structured with flexibility as a core principle. You can redeem your asset at any time during the loan term by repaying the outstanding balance — there are no prepayment penalties and no minimum holding periods. If you need to extend the loan, we work with you to structure terms that accommodate your timeline. And if circumstances change and you decide not to redeem, we handle the disposition of the asset through our market channels — you are never obligated to pay beyond the value of the collateral. This non-recourse structure means your personal finances are never at risk beyond the asset itself.
