Debt Relief · August 2026
Owners of valuable assets such as classic and vintage cars, prestige watches, fine art, fine jewellery and other high-value collectables may be able to use those assets as security for borrowing.
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 individual asset and the requirements of the agreement.
As with any secured borrowing, interest and any applicable charges will apply, and the asset may ultimately be sold if the loan is not repaid in accordance with the agreement.
Asset-backed lending allows an eligible high-value asset to be used as security for a loan.
The asset is professionally assessed and, where appropriate, lending terms are provided based on factors such as its condition, provenance, market value and marketability.
Your asset is securely held throughout the loan and returned once the amount due is repaid.
This can provide an alternative to selling an asset outright, but borrowers should consider the cost of borrowing and have a realistic repayment plan before proceeding.
Release My Capital considers a range of eligible assets, including:
Each asset is considered individually. Acceptance and the amount available are subject to valuation, eligibility and completion of the required checks.
There are several reasons why an owner may consider borrowing against an existing asset rather than selling it.
An asset-backed loan may allow you to access capital while retaining ownership of the asset, subject to repayment of the agreement.
This may be useful where an immediate sale does not suit your circumstances or where you wish to retain an asset of personal or financial significance.
The amount available is determined in part by the asset offered as security.
Factors such as condition, provenance, current market value and likely resale value will be considered before final terms are confirmed.
Asset-backed loans are generally provided for a defined term, with the repayment requirements explained before the agreement is entered into.
Before proceeding, borrowers should understand when capital, interest and any applicable charges become payable.
Customers may use asset-backed lending for a range of purposes, depending on the terms of the agreement.
Examples may include:
If borrowed money is being used for investment purposes, additional care should be taken. Investment values can rise or fall, and returns are not guaranteed. Borrowers should not assume an investment will generate enough to repay the loan.
Release My Capital provides asset-backed lending and does not provide investment advice.
Selling an asset provides access to the sale proceeds but means giving up ownership permanently.
Asset-backed lending may allow the owner to retain ownership while accessing capital, but 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.
The appropriate option will depend on the individual circumstances of the borrower.
Before entering into an asset-backed loan, consider:
Provide details about your asset and the amount of funding you are looking to access.
Our team reviews the asset and arranges any specialist appraisal or valuation required.
Where appropriate, initial lending terms are provided for consideration.
Any initial offer remains subject to the required valuation, documentation and checks.
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.
The exact process and completion time will depend on the asset and individual circumstances.
Release My Capital treats client information confidentially.
Information may be shared where necessary to assess, administer or provide the facility, including with relevant valuers, storage providers, professional advisers or other parties where required by law.
Further details are set out in the company’s Privacy Policy.
If you experience, or expect to experience, difficulty repaying a regulated agreement, contact Release My Capital as early as possible.
For regulated agreements, firms must treat customers in or approaching arrears or default with forbearance and due consideration, taking their individual circumstances into account. FCA Handbook
The options available will depend on the agreement and the customer’s circumstances.
If you own an eligible high-value asset and would like to understand whether asset-backed funding may be available, Release My Capital 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.
