A Simple, Discreet and Highly Professional Way to Unlock Capital from Your Luxury Assets

At Edinburgh Asset Finance, we specialise exclusively in high-value, asset-backed lending. Since 2013, we’ve led the industry by combining deep valuation expertise with an exceptional level of service, offering a fast and confidential solution for clients across the UK who need short-term liquidity without selling their valuables.

Our process is deliberately simple. Every appraisal is handled by experienced professionals, every asset is stored securely in our own facilities, and every client receives the kind of personal, discreet treatment you would expect from a market leader—never a high-street pawnbroker experience.

Why Our Service Works So Well

Expert-led valuations

Your assets are appraised by seasoned specialists with extensive experience in watches, jewellery, fine art, vehicles, whisky, collectibles and other high-value markets. Our clients benefit from informed valuations, transparent decisions and fair loan offers.

Unmatched discretion

Our loans are never reported to banks or credit reference agencies, and we never share client information with third parties. Every interaction, appraisal and contract is handled confidentially and with complete discretion.

Industry-leading turnaround times

Because all lending decisions are made in-house, we move quickly. Funds are typically released the same day your asset is appraised—often within hours. For many clients, this speed is invaluable.

A UK-wide, personalised service

We routinely travel to clients across Scotland and England to conduct private appraisals or securely collect items. This personal, concierge-style approach sets us apart from competitors who rely on couriers or insist clients travel to them.

How Our Luxury Asset Loans Work

Step 1 — Make an Enquiry

Speak to us by phone, email or through our online form. Tell us about the item you wish to borrow against, and we will often provide an indicative loan estimate immediately.
No credit checks, no paperwork at this stage—simply a conversation with an expert.

Step 2 — Professional Appraisal

We arrange a discreet meeting—often at your home or office—to assess the asset in person.
Alternatively, you are welcome to visit us directly.

Your item is appraised by a qualified specialist and a firm loan offer is based on the market value established during this process. Our experience across multiple luxury sectors allows us to value assets accurately, fairly and quickly.

Step 3 — Agree Your Loan

Once the appraisal is complete, we present your personalised loan offer.
If you choose to proceed, documents are signed on the spot and funds are released immediately—usually within hours of your initial enquiry.

All loans are secured solely against the asset provided. There are:

  • No credit checks
  • No affordability assessments
  • No impact on your credit rating

Step 4 — Your Asset is Safely Stored

Once pledged, your item is stored in one of our secure facilities—either our vault, our dedicated vehicle warehouse, or another approved location.
Assets remain fully insured and handled with exceptional care. Only you can redeem them.

Step 5 — Redeem Your Asset Anytime

You may repay the loan at any point during the term.
There are no early redemption penalties, and interest is charged only for the period you borrow.

Upon repayment of capital plus accrued interest, your asset is immediately returned or made available for collection.

Regulated, Transparent and Fair

We are fully authorised and regulated by the Financial Conduct Authority, ensuring our clients benefit from clear pricing, fair treatment and strong consumer protection.

  • All loans are fixed-term agreements of up to seven months
  • Minimum APR: 32.25%
  • Maximum APR: 67.27%
  • Interest is charged on a simple, non-compounding basis

Representative Example:
Total credit: £25,000
Loan term: 7 months
Monthly interest rate: 3% (fixed)
Total interest: £5,250
Total repayable: £30,250 (38.4% APR)
No additional fees or hidden charges

Why Clients Choose Edinburgh Asset Finance

A more sophisticated alternative to traditional pawnbroking

Although regulated in the same way, our service is entirely different. We operate privately, discreetly and professionally—designed for clients who expect high standards, personal service and confidential handling of valuable assets.

A decade of proven trust

Since 2013, we have supported thousands of clients across the UK. Business owners, investors and private individuals repeatedly return to us because of our reliability, discretion and ability to act quickly when needed.

Trade value, not credit history

Loans are based solely on the realisable trade value of your asset, meaning your financial circumstances do not affect your eligibility.

Nationwide Coverage

While headquartered in Edinburgh, we operate across the entirety of Scotland and England, regularly assisting clients in:

  • Edinburgh, Glasgow, Dundee and Aberdeen
  • London, Birmingham, Manchaster, Newcastle and Liverpool.
  • Other locations throughout the UK upon request

Our ability to travel to clients is a key part of what makes our service unique.

A Simple, Secure and Trusted Way to Unlock Capital

Whether you are resolving a short-term cash-flow issue, pursuing a business opportunity, or seeking temporary liquidity without selling an asset, our process is designed to be effortless.

Fast, discreet and delivered with a level of professionalism that sets the benchmark for the industry—this is how luxury asset loans should work.