Beverly Loan Company

What Beverly Loan Company does

Beverly Loan Company is a privately-held collateral lender founded in 1938 and headquartered in Beverly Hills, California. The company issues short-term loans secured by luxury assets including fine jewelry, certified diamonds and gemstones, high-end watches (Rolex, Audemars Piguet, Patek Philippe), fine art, designer handbags (Hermès, Chanel, Louis Vuitton), luxury and classic cars, gold and precious metals, numismatic coins, silver tableware, engagement and wedding rings, and one-of-a-kind memorabilia. The core product suite consists of a 120-day Collateral Loan, a revolving Luxury Line of Credit, and a Luxury Inventory Loan for trade members, supplemented by specialized products targeting M&A bridge financing, post-auction settlement, and estate tax liquidity. Loans range from $2,500 to over $5,000,000 and are non-recourse, with no personal guarantee, no credit check, and no reporting to credit bureaus; interest is paid monthly at a fixed rate with all fees deferred until redemption.

The business operates from three private offices: the Beverly Hills headquarters in the Bank of America Building at 9440 South Santa Monica Boulevard, the New York Loan Company subsidiary in the International Gem Tower in Manhattan's Diamond District, and a Palm Beach office. Beverly Loan is a subsidiary of Luxury Asset Capital LLC, described as the nation's largest privately-held provider of non-bank loans using luxury assets as collateral. The go-to-market combines direct in-office appraisal appointments with a formal partner referral program for financial advisors, wealth managers, attorneys, accountants, family office managers, and other professional advisors.

The underlying technology stack is minimal: there is no proprietary lending platform described, with valuation driven by an in-house team of GIA-certified graduate gemologists, a certified numismatist, fine art specialists, and vehicle specialists. The only technology claim is 'cutting-edge authentication technology' for designer handbags, with no technical specifics disclosed. Customer acquisition relies heavily on earned media coverage in Forbes, Bloomberg, Thomson Reuters, NPR, the Wall Street Journal, the New York Times, and Variety rather than paid marketing. Revenue is generated through interest on collateral loans, revolving credit facility interest, inventory loan interest to trade members, and direct purchase or retail sale of jewelry through the showroom, with exact interest rates not publicly disclosed.

Name

Beverly Loan Company

Legal name

Luxury Asset Capital LLC

Website

https://beverlyloan.com

Company type

Private

Founded year

1938

Operating status

Operating

Headcount range

11–50 employees

Short description

Beverly Loan Company is a privately-held luxury collateral lender founded in 1938, issuing non-recourse loans from $2,500 to over $5,000,000 against jewelry, watches, art, cars, and other luxury assets to high-net-worth individuals, family offices, entertainment clients, and luxury goods trade members from offices in Beverly Hills, New York, and Palm Beach.

Ownership category

akta.pro rank

Product category

Luxury Asset Collateral Lending

NAICS

Consumer Lending (522291)

SIC

Personal Credit Institutions (6141)

akta.pro primary industry

Luxury Pawn & Collateral Lending (Watches/Jewelry) (CRAKAKAG)

akta.pro secondary industries

General Merchandise Collateral Loans (FSAKALAE), Wealth Lending & Credit Solutions (Lombard/Margin, Mortgages, Structured Credit) (FSAAABAG), Asset-Based Lending (ABL) (FSANADAD)

Keywords

• Luxury collateral lending
• Asset-based loans
• Pawn lending services
• Luxury inventory financing
• High-net-worth lending

Headquarters

HQ city

Beverly Hills

HQ country

United States

HQ region

North America

Offices3 records

Markets served

GTM type

B2C

Offering type

Services

Cost components

Personnel, Operations, Infrastructure, Marketing or Sales, Others

Revenue model

1. Collateral Loan Interest: Beverly Loan generates revenue through interest charged on four-month (120-day) collateral loans. Loans are secured by luxury assets including jewelry, watches, art, cars, and other high-value items. Interest is paid monthly on loan balance at a fixed interest rate. No upfront fees are charged - all interest and fees are paid only when the item is redeemed or the loan is rewritten.
2. Luxury Line of Credit: Revolving line of credit facility for ongoing access to capital using luxury assets as collateral. Generates ongoing interest revenue as clients draw and repay against their credit line.
3. Luxury Inventory Loan: Operating capital loans for luxury goods retailers, wholesalers, and traders using their inventory as collateral. Generates interest income from industry trade members.
4. Collateral Sales and Purchasing: If clients do not wish to receive a loan against their collateral, the company may purchase the items outright. Additionally, the company has a jewelry showroom offering dealer prices to the public, creating retail sales revenue.

Pricing tiers

Go-to-market motion2 records

Distribution channels4 records

Marketing channels5 records

Core offering

Beverly Loan Company is a privately-held collateral lender founded in 1938 that provides short-term, non-recourse loans secured by luxury assets such as fine jewelry, watches, diamonds, fine art, designer handbags, gold and precious metals, classic cars, silver, coins, and memorabilia. Its core products are a 4-month (120-day) Collateral Loan, a revolving Luxury Line of Credit, and a Luxury Inventory Loan for trade members, with loan amounts ranging from $2,500 to $5,000,000 or more and funding delivered in minutes to 1-2 business days.

Product overview

Beverly Loan Company is a collateral-based lender offering three core loan products: the Collateral Loan (short-term, 4-month/120-day term), the Luxury Line of Credit (revolving credit facility), and the Luxury Inventory Loan (for luxury goods retailers). The company accepts a diverse portfolio of luxury assets as collateral including high-end watches (Rolex, Audemars Piguet, Patek Philippe), high-end jewelry (Cartier, Tiffany & Co., Van Cleef & Arpels), fine art, certified diamonds and gemstones, designer handbags (Hermès Birkin, Kelly), gold and precious metals, luxury and classic cars, silver tableware, gold and numismatic coins, one-of-a-kind memorabilia, and engagement/wedding rings. Beverly Loan also offers specialized financing products including M&A Bridge Financing for mid-market acquisitions and Post-Auction Financing for auction settlements. The company operates as part of Luxury Asset Capital, the nation's largest privately-held provider of non-bank loans using luxury assets as collateral.

Differentiator

Problem solved

Functional benefit

Products and services

• Collateral Loan

Quantifiable outcome

• Loaned over $1 billion to 20,000+ clients
• +3 more outcomes

Named customers3 records

Segments5 records

Ideal customer profiles5 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature1 record

Scale indicators6 records

Recent moves6 records

Expansion highlights6 records

Emerging players

• Crown & Caliber: Online platform for buying, selling, and trading pre-owned luxury watches with associated financing capabilities. Operates adjacent to Beverly Loan's watch lending category with a more digital-first model targeting similar HNW collectors.
• Hodinkee: Leading watch media and commerce platform that has expanded into watch-backed financing and pre-owned watch transactions. Emerges as a digitally-native competitor in the luxury watch collateral financing category where Beverly Loan is strongest.
• Bob's Watches: US-based online platform for buying, selling, and trading luxury watches, with financing-related services. Represents the digitally-native competitor in luxury watch liquidity that could encroach on Beverly Loan's watch-backed loan product.

Broad incumbents

• Sotheby's Financial Services: The financial services arm of Sotheby's, providing art-backed loans to collectors and dealers using fine art as collateral. Overlaps with Beverly Loan's fine art lending capability but as part of a much broader auction house platform with global reach.
• Christie's Financial Services: Christie's financing arm offers asset-backed lending using art and luxury collectibles as collateral, including post-auction financing similar to Beverly Loan's specialized product. Comparable lending use cases anchored to a leading global auction house.

Direct peers

• Athena Art Finance: Specialist art-secured lender providing short-term loans to collectors, dealers, and investors using fine art as collateral. Directly comparable to Beverly Loan's fine art lending product and competes for the same HNW borrower segment seeking non-bank art financing.
• Borro (formerly Borro Private Finance): UK-based asset-backed lending platform that lends against luxury assets including watches, jewelry, art, and collectibles. Directly comparable business model to Beverly Loan's, with parallel use cases for short-term liquidity against luxury collateral.
• Hamilton Pawnbrokers: Long-established US luxury pawnbroker lending against high-end watches, jewelry, and collectibles. Operates a directly comparable in-person collateral lending model targeting HNW clients, making it a relevant US peer in the same niche.

Regional players

• Prestige Pawnbrokers: UK luxury pawnbroker operating in affluent London areas, lending against high-end watches, jewelry, designer goods, and collectibles. Directly comparable business model to Beverly Loan but serving UK HNW clients in regions like Mayfair and Hatton Garden.
• New York Loan Company: Sister subsidiary of Beverly Loan, operating from the International Gem Tower in Manhattan's Diamond District as an East Coast counterpart offering collateral loans against the same luxury asset classes. Operated by the same parent, Luxury Asset Capital, and effectively a regional extension of the Beverly Loan model.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights6 records

Customer concentration

• Facebookfacebook.com/profile.php?id=61572737761135
• LinkedInlinkedin.com/company/beverly-loan-company
• Instagraminstagram.com/beverlyloancompany
• Xx.com/TheLoanComps

Compliance1 record

Revenue estimate

Valuation estimate

Number of profiles

Profiles22 records

Subsidiaries1 record

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Beverly Loan Company