Rolex, Patek Philippe, Audemars Piguet, Richard Mille, Cartier, and supporting brands. Up to 65% LTV. 24-hour funding, priced by reference — not by what the box says it retails for.
Retail price is close to irrelevant. We lend against wholesale-FMV, which moves with reference number, dial variant, bracelet or strap, box-and-papers completeness, service history, and current secondary-market demand for that exact configuration — a steel-bracelet Nautilus 5711 and a leather-strap 5711 aren't the same collateral even though they share a model name. Full set (box, papers, warranty card, purchase receipt) typically adds 5–10% over a watch-only submission; a documented service history from an authorized center helps more than people expect, because it removes a question mark we'd otherwise price around.
Sport and steel-bracelet references from Rolex, AP, and Patek tend to carry the highest LTV in our book because they're the fastest-moving segment of the secondary market — we can be confident about liquidation value if it ever came to that. Precious-metal and complicated pieces (perpetual calendars, minute repeaters) still qualify but usually land at a more conservative percentage, since the buyer pool is thinner and price discovery is slower.
Email [email protected] with photos and reference details, or run the LAL estimator first for a wholesale-FMV baseline before you commit to an appointment.
Two-hour reply during business hours with a preliminary range. In-person appraisal sets the final number.
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