Private lending · October 2026
Asset-backed lending has formed part of the UK credit market for centuries, allowing individuals to access capital by using valuable assets as security.
Today, this type of lending has evolved considerably. Modern specialist lenders can provide substantial short-term funding secured against high-value assets including luxury watches, jewellery, prestige vehicles, fine art and other valuable possessions.
Rather than selling an asset to release capital, an asset-backed loan can allow a client to access liquidity while retaining the opportunity to recover their asset once the borrowing has been repaid.
Release My Capital specialises in high-value, asset-backed lending, providing clients with a discreet and straightforward way of releasing capital held within valuable assets.
A high-value asset-backed loan is a secured lending arrangement in which an asset is provided as security for the borrowing.
The value and suitability of the asset form an important part of determining the amount that may be advanced.
Assets commonly considered by Release My Capital include:
We arrange secure specialist storage for your asset throughout the loan agreement. Once the loan and applicable charges have been repaid in accordance with the agreement, the asset is returned to the customer.
If the agreement is not repaid, the lender may ultimately have rights in relation to the secured asset in accordance with the agreement and applicable consumer-credit legislation.
Lending against physical assets has existed in Britain for hundreds of years.
Historically, the market was associated predominantly with relatively small loans secured against household goods or jewellery. The modern high-value asset-backed lending market is considerably different.
Clients may now use valuable vehicles, watches, jewellery, artwork and other substantial assets to access significantly larger amounts of capital.
Specialist businesses such as Release My Capital therefore operate at the premium end of the secured-lending market, serving customers who may own significant assets but do not necessarily want to sell those assets to generate liquidity.
Consumer-credit lending in the UK is regulated by the Financial Conduct Authority where the relevant regulated activities and agreements fall within its jurisdiction.
The regulatory framework places significant emphasis on customers receiving information that is clear, fair and not misleading, together with appropriate information about the cost, structure and risks associated with borrowing.
Release My Capital's approach is centred around transparency throughout the customer journey, including clear information concerning the amount advanced, interest, applicable charges, loan duration and the consequences of failing to repay the agreement.
Release My Capital is a direct lender rather than simply an introducer to another finance provider.
This gives customers a direct relationship with the business responsible for assessing the asset, structuring the facility and administering the agreement.
The lending proposition is centred around the underlying asset and its value.
This makes high-value asset-backed lending particularly relevant for customers who hold substantial value within luxury or collectible assets and want to release capital from those assets without immediately selling them.
Where an asset is required to be held during the lending period, appropriate arrangements are made for its secure storage and protection.
Customers are provided with information concerning interest, fees and the total cost of borrowing before entering into an agreement.
There should be no uncertainty about what the borrowing costs or what is required to recover the secured asset.
For suitable customers, asset-backed lending can provide several advantages.
A customer may have significant wealth tied up in an asset but may not want to dispose of it permanently.
Asset-backed lending can provide access to capital while preserving the opportunity to recover the asset once the agreement has been settled.
Release My Capital specialises in high-value transactions, making the service suitable for clients seeking substantial liquidity rather than conventional small-ticket lending.
Because the proposition is centred around an identifiable asset with an ascertainable market value, the process can often be significantly more straightforward than conventional unsecured borrowing.
Clients dealing in prestige vehicles, watches, jewellery and other valuable assets frequently place a premium on privacy and discretion.
Release My Capital provides a personal service designed around high-value transactions.
High-value asset-backed lending represents the modern evolution of one of Britain's longest-established forms of secured credit.
While the underlying regulatory framework provides important protections for customers, specialist lenders such as Release My Capital have transformed the customer experience by focusing on substantial assets, professional valuation, secure storage, transparent terms and discreet service.
For customers holding significant value within vehicles, watches, jewellery, fine art or other qualifying assets, Release My Capital provides a way to release capital without necessarily having to permanently dispose of those assets.
Important: Failure to repay a secured loan in accordance with the terms of the agreement may result in the secured asset being sold or otherwise dealt with to settle the outstanding balance. Customers should ensure they understand the terms, costs and consequences of the agreement before proceeding.
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.
