About Us – The UK’s Leading Specialist in Luxury, Asset-Backed Lending

Since 2013, Edinburgh Asset Finance (EAF) has built a reputation as one of the UK’s most trusted and specialist providers of high-value, discreet, asset-backed loans. From our founding, our goal has been simple: to offer a modern, highly professional lending service built on accuracy, fairness and confidentiality—without losing the traditional values and personal service that clients expect from a premium provider.

Where many lenders rely on automated systems, rigid criteria or lengthy underwriting, we operate differently. Every loan is assessed directly by experienced professionals, every valuation is handled with precision, and every client receives a private, one-to-one service tailored to their needs. This focus on specialist lending—not retail pawnbroking—has positioned us as an industry leader trusted by private clients, collectors, investors, business owners and company directors across the UK.

A Modern Approach Backed by Traditional Values

Over more than a decade, we have refined a service model that blends the speed and efficiency of a forward-thinking finance company with the integrity and discretion of a traditional lender.

Clients choose EAF because:

  • We value accuracy over automation. Every asset—from a luxury watch to investment-grade art or a prestige vehicle—is assessed manually by specialists using market-realistic valuations.
  • We provide absolute discretion. No retail premises. No public counters. All appointments are private, secure and handled directly by senior staff.
  • We prioritise transparency. Clear terms, fair rates and straightforward communication have been central to our service since day one.
  • We consistently deliver speed. Many loans are finalised within hours, not days, because decision-making is in-house and immediate.

Our clients rely on us because they know exactly what they can expect: a professional, confidential and efficient luxury lending service with no unnecessary barriers.

A Direct Lender – Not a Broker

Edinburgh Asset Finance is independently funded. We are not a broker, nor do we outsource underwriting or valuation. This independence allows us to offer:

  • Immediate decision-making
  • Flexible, client-focused loan structures
  • Fast, accurate valuations
  • A private, premium experience from start to finish

Because we lend our own capital, we can often complete loans the same day an enquiry is made—something traditional lenders are rarely able to match.

Fully Authorised & Regulated for Complete Peace of Mind

We are fully authorised and regulated by the Financial Conduct Authority (FCA), giving clients confidence that they are dealing with an accountable, compliant and reputable specialist lender.

Due to the nature of our secured pawnbroking loans:

  • No credit checks are required
  • No affordability assessments are necessary
  • Your credit rating is never affected

Our lending decisions are based solely on the strength and value of the assets you choose to use as security. This is why our service remains one of the fastest, most discreet and most accessible premium lending options in the UK.

A Personal Service That Sets Us Apart

In a financial world dominated by automated phone lines and impersonal digital processes, we take pride in delivering a genuinely personal client experience.

When you call us, you reach an expert—not a call centre. When you book an appointment, you deal directly with senior staff. And when you secure a loan, the entire process is handled in-house with care, confidentiality and clarity.

This commitment to personal service has been a major driver of our long-standing client relationships. Many of our customers return to us time and again, and a significant proportion of new enquiries come through recommendations and referrals.

Industry Leaders in Specialist, High-Value Asset Lending

While we are widely recognised for our modern approach and professional standards, it is our depth of specialist knowledge that truly sets us apart. We are one of the UK’s leading experts in high-value asset-backed loans across categories such as:

  • Luxury watches
  • Private Numberplates
  • Fine jewellery and diamonds
  • Gold and bullion
  • Prestige and classic vehicles
  • Motorbikes
  • Fine art
  • Wine, whisky and collectibles
  • Designer handbags
  • Rare books, antiques and other specialist assets

Our UK-wide service allows us to meet clients personally, transport or assess assets securely, and complete transactions discreetly ensuring convenience and privacy at every stage.

A Trusted Partner for Personal and Business Clients

Our clients come from a wide range of backgrounds, but they share a common requirement: a fast, discreet and professional way to unlock capital without the friction of traditional borrowing.

Clients use our loans for:

  • Business cash flow
  • Investment opportunities
  • Property transactions
  • Unexpected expenses
  • Short-term liquidity
  • Personal financial needs

Whether you are an individual, a business director, an investor or a collector, our service is designed to help you secure the funding you need quickly and confidently.

Speak With Us – Professional, Discreet and Efficient

If you require a premium lending service that combines accuracy, discretion and genuine personal care, Edinburgh Asset Finance is here to support you.

We welcome all enquiries, whether you are exploring your options, seeking an immediate valuation, or looking to arrange a confidential appointment.

The team at Edinburgh Asset Finance looks forward to assisting you.