Invoice Finance · May 2026
Release My Capital is a direct lender providing asset-backed finance against eligible high-value assets throughout the United Kingdom.
We consider assets including prestige, classic and performance vehicles, fine watches, fine art, jewellery and gemstones, gold bullion and other eligible high-value assets.
Asset-backed lending can provide access to capital without requiring the immediate sale of an eligible asset. The amount available, the cost of borrowing and the terms offered will depend on the asset, the individual circumstances of the application and the requirements of the agreement.
As with any secured borrowing, interest and any applicable charges will apply. If the loan is not repaid in accordance with the agreement, the asset may ultimately be sold to recover the outstanding balance.
Release My Capital is a direct lender, meaning clients deal directly with the business providing the finance rather than through a credit broker.
Our team manages the process from initial enquiry and asset assessment through to documentation and completion.
Release My Capital works with clients throughout the United Kingdom.
Depending on the asset, parts of the initial assessment may be completed remotely using photographs, documentation or video. Where a specialist physical appraisal is required, suitable arrangements can be made.
The exact process will depend on the type of asset and the individual facility.
An asset-backed loan uses an eligible high-value asset as security for borrowing.
The asset is assessed before lending terms are confirmed. Factors considered may include:
Where possession of the asset is required, it is securely held for the duration of the agreement and returned once the facility has been repaid in accordance with its terms.
Release My Capital considers a range of eligible high-value assets, including:
Each asset is assessed individually and acceptance is subject to valuation and eligibility requirements.
Release My Capital works with experienced specialists across the asset classes we consider.
The valuation process will vary depending on the asset. It may include review of condition, authenticity, provenance, supporting documentation and relevant market information.
Any initial valuation or offer remains subject to completion of the required checks before final terms are confirmed.
We securely hold your asset throughout the agreement and return it once the loan, interest and applicable charges are repaid.
Storage and handling requirements vary depending on the asset and will be explained before the agreement is entered into. Any applicable storage or collection charges should also be made clear before completion.
The process will generally involve:
Provide details of the asset and the amount of funding required.
Our team reviews the asset and arranges any specialist valuation or appraisal required.
Where appropriate, initial lending terms are provided for consideration.
The required identity, ownership, valuation and agreement checks are completed before final terms are confirmed.
Once the agreement has been completed and all required conditions have been satisfied, funds are transferred to the nominated bank account.
Completion times vary depending on the asset and circumstances of the application.
Before entering into an asset-backed loan, it is important to understand the full cost of the facility.
This may include:
You should also understand the term of the facility, when repayment is due and any conditions applying to early settlement.
Early settlement may be available subject to the terms of the individual agreement.
Where a notice period, interest in lieu of notice or other settlement conditions apply, these should be explained before you enter into the facility.
Release My Capital treats client information confidentially.
Information may be shared where necessary to assess, administer or provide a facility, including with relevant valuers, storage providers, professional advisers and other service providers, or where disclosure is required by law.
Further details are available in our Privacy Policy.
Our team is available to explain the lending process, the terms being offered and the information required before a client decides whether to proceed.
Clients should review the relevant agreement and pre-contract information carefully and ask about anything they do not understand before signing.
If you experience, or expect to experience, difficulty repaying a regulated agreement, you should contact Release My Capital as early as possible.
For regulated credit agreements, FCA rules require firms to treat customers in or approaching arrears or default with forbearance and due consideration, taking their individual circumstances into account. FCA Handbook
Where an agreement ultimately remains unpaid, the secured asset may be sold in accordance with the agreement and applicable law.
Working with a direct lender means dealing directly with the firm responsible for assessing the asset, providing the facility and administering the agreement.
Release My Capital aims to provide clear information about the process, costs and terms so clients can make an informed decision about whether the facility is appropriate for their circumstances.
If you own an eligible high-value asset and would like to understand whether asset-backed lending may be available, our team can provide an initial assessment and explain the relevant process, costs and terms.
0333 577 3000
Important: Your loan is secured against your asset. If you do not repay in accordance with the terms of your agreement, your asset may ultimately be sold to recover the outstanding balance.
Representative APR: 69.0%
Representative example: If you borrow £20,000 over 6 months at a fixed annual interest rate of 60%, you will make one repayment of £26,000. The total amount payable is £26,000, including £6,000 interest. Total charge for credit: £6,000.
Your asset is pledged as security for the loan and securely held for the duration of the agreement. If you do not repay the amount due under the agreement in accordance with its terms, your asset may be sold.
