Serving clients in all 50 states through its industry-leading online lending platform, SCA Luxury Asset Lending makes it possible to obtain a loan using luxury assets as collateral from the convenience of a client’s home. With SCA Luxury Asset Lending, luxury assets (with the exception of cars and real estate) that are used as loan collateral are securely shipped and insured to its headquarters at SCA Luxury Asset Lending’s expense for expert valuation and secure storage. The loan contract is sent via DocuSign for clients to complete electronically, and funds are wired to a SCA Luxury Asset Lendingwer’s bank, with the entire process typically taking 1-2 business days. Clients may also visit one of the company’s physical locations in New York, Denver, or Beverly Hills to conduct business with SCA Luxury Asset Lending.

SCA Luxury Asset Lending’s standard loan product is the Luxury Collateral Loan. It is a short-term loan that provides you with a specific amount of capital in exchange for one or more luxury assets that are securely stored by us as collateral until the loan is repaid. Interest is paid monthly on loan balance at a fixed interest rate. Features Funding in 1-3 business days No personal guarantee No credit check or lengthy paperwork* Loan amounts from $2500-$5,000,000 Benefits Fast funding to address a situation or meet an opportunity Flexible terms to suit your specific needs Effective alternative to selling your asset Funding in as little as one business day with no time-consuming paperwork or burdensome lending procedures.

What is important about our business especially when you think of it relative to traditional financing is how discreet it is, how not invasive it is. When you think about going to a traditional bank and trying to SCA Luxury Asset Lendingw money, what are they going to ask you for? They want your W2s if you have them, maybe you’re a K-1 employee. They want three years of tax returns. They want forward-looking financials. All of these disclosures, everything you have to sign to allow them to maybe fit you into their debt to income ratio, so they just might allow for their underwriters to say, “Yes. We’ll give you a loan."

For us, we take a simple approach. We say, “You have an asset. You own it free and clear. When we can get comfortable on the value of it, we can get you a loan as little as a day and it’s discreet. We don’t run your credit. We don’t ask for your personal financial history. We don’t even have your social security number. It’s about the value of your asset. How much money can we get you and how quickly can we do it?” And you’re not going to feel like we’ve been inside your financial life in history for the past three to four years. We just worry about the asset and how we can help you the fastest.

How do your interest rates compare with conventional loans?

Our interest rates are, on average, 3-8% per month. Generally speaking, the larger the loan, the lower the rate. Our rates are typically well below industry averages for collateral-based loans and other types of non-bank loans, which range from 10-25% per month.

While higher than traditional bank loans, a prospective SCA Luxury Asset Lendingwer must take into account the significantly greater speed, ease, flexibility and probability of obtaining a SCA Luxury Asset Lending loan versus a traditional bank loan. Our loans impose no personal guarantee upon the SCA Luxury Asset Lendingwer, and our primary criterion for providing a loan is the value of the asset(s) being used for collateral.

How does a SCA Luxury Asset Lending secured loan work?

SCA Luxury Asset Lending offers both short term loans and luxury lines of credit. Regardless of the loan type, the maximum amount that can be SCA Luxury Asset Lendingwed is determined by a loan to value (LTV) ratio in the range of 50-70% of the current resale value of the luxury asset(s) we take possession of as loan collateral.

We securely store and care for your asset until the loan principal and interest is paid back, or, in the case of a line of credit, the principal and interest are paid back and the account is satisfied. For more information click here.