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:
Own luxury assets? Borro lends against watches, jewelry, diamonds, gold, designer handbags, cars and fine art, with loans from $2,500, no credit check and funding in as little as one business day. Get a no-obligation quote or call 720-458-6788.
- 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 promptly; funding can arrive in as little as one business day once your loan is approved.
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 — ask your loan specialist about repayment options before you accept. Your loan agreement explains exactly what happens if a loan isn’t repaid; review it with your loan specialist before you accept.
Hand It Over, Then Exhale
Handing a treasured thing to someone else carries a particular tension. Your fingers linger a moment on the case, the cuff, the frame. You are not sure what to expect, and you would rather it be done well.
What you want, in that moment, is calm. A voice that knows what it is looking at. A specialist who turns your piece over in the light with real care, who notices the details you notice, who treats it as something loved rather than something merely valuable. You want to be spoken to as a person, not processed as a file.
That is the feeling the best service creates. The conversation is unhurried, though the clock is moving in your favor. Nothing is shouted and nothing is hidden. You describe what you own, you hear plainly what it could support, and you decide at your own pace whether to go on.
And then something unusual happens. The weight leaves your shoulders. Your piece is in fully insured, secure safekeeping, still yours, with its story intact. You have what you needed, without a credit check or a stack of financial statements, and without an announcement to anyone. When you repay, the piece comes home. This is the quiet promise behind Borro, and it is the reason clients speak about the experience as much as the result. If you would like to see how simple it can feel, an application is a gentle first step.
Frequently Asked Questions
What can I borrow against with Borro?
Watches, fine jewelry, diamonds, gold and precious metals, designer handbags, luxury and classic cars, and fine art, with loans from $2,500.
How quickly can I get funds?
Once your loan is approved, funds can arrive in as little as one business day.
Does Borro check my credit?
No. The loan is secured by your asset, with no credit check, no personal guarantee and no personal or business financial statements.
Ready to unlock your asset’s value? Borro has lent more than $1 billion and holds an A+ BBB rating. Apply now or call 720-458-6788 to speak with a valuation expert.
