A Sophisticated Source Of Collateral

Jewelry & Watch Finance

Few valuables exemplify attention to detail quite like luxury watches and jewelry. Keeping true to their artistry and craftsmanship, Borro Private Finance provides a range of bespoke jewelry and watch finance solutions, from the finest contemporary designs to unique and antique pieces.

We also offer a Keep Possession Lending Program. Learn More.

Program Summary
  • Minimum Loan: $20,000
  • Typical Terms: 3 to 24 months
  • Indicative Loan-to-Value: 60% of asset value
Assets Accepted

WATCH BRANDS INCLUDE Rolex, Patek Philippe, Audemars Piguet, A. Lange & Söhne, Hublot, Richard Mille, Cartier, Omega, and Piaget.

JEWELRY: White (with GIA or GCS certification), Blue or Yellow Diamonds. Emeralds, Sapphires and Rubies: 5+ Carat with AGL, Gubelin or SSEF certification.



LUXURY WATCHES: Value is determined based on brand and model, condition, scarcity, age and provenance. In addition, we delve into market feedback and mine insights from manufacturers, auction house records and third-party data collectors. As part of our diligence, we also review registers of lost and stolen items

JEWELRY: We assess affiliation with top-tier jewelry houses, popularity of period or style, material and gemstones. Clients must provide proof of ownership and certifications for jewelry. However, as jewelry appraisal is complex, we encourage direct inquiry about specific pieces.

Logistics, Security & Insurance

With Borro Private Finance, jewelry and watch finance clients have the confidence of insurance and exceptional care and handling of assets during transport, appraisal and storage.

  1. 01

    Depending on the progress of the valuation process, luxury assets are insured at either the Replacement Cost or the valuation provided by Borro Private Finance’s experts

  2. 02

    There are several options to safely get assets to us, including insured mail services, courier collection or personal drop-off

  3. 03

    In special cases, bespoke arrangements will be made to transport client's jewelry and watches*

  4. 04

    Assets are barcoded with a unique ID, photographed, placed in a protective box and kept in highly secure facilities with 24/7 monitoring

  5. 05

    While under loan, we can provide specialized care, including steam cleaning, polish, basic repair and gemstone certification* * Fees may apply

Use Cases

  • 6-Month Term Loan
  • 6-Month Term Loan
  • Sale Advance Loan
  • Acquisition Financing
01 / 04 6-Month Term Loan

SYNOPSIS: A lawyer with a seasonal income looking to generate off-season capital was referred to Borro Private Finance by her Art Advisor and was able to secure a $575,000 jewelry loan within five days.


  • Funding: $575,000
  • Asset Class: Jewelry
  • Time-to-Close: 5 Days

Referral: Art Advisor

02 / 04 6-Month Term Loan

SYNOPSIS: The client needed to fund an urgent tax bill. A $700,000 loan was closed on an 8-ct. ruby and a 7-ct. emerald in 4 days.


  • Funding: $700,000
  • Asset Class: Jewelry
  • Time-to-Close: 4 Days

Referral: Art Advisor

03 / 04 Sale Advance Loan

SYNOPSIS: Looking to pay a tax bill as well as legal fees, a luxury watch enthusiast was directed to Borro Private Finance by his bank. Within three weeks, we were able to fund a total loan of $750,000 against his collection. Afterwards, the client decided to sell some of his timepieces, which we consigned on his behalf for a $1.5M sale.


  • Funding: $750,000
  • Asset Class: Watches
  • Time-to-Close: 3 Weeks
  • Referral: Private Bank
04 / 04 Acquisition Financing

SYNOPSIS: A jewelry trader was looking to finance a time-sensitive stock opportunity during the summer, a traditionally slow season for his trade. After contacting Borro Private Finance directly, he was able to quickly acquire a $150,000 loan, generating the funds he needed.


  • Funding: $150,000
  • Asset Class: Jewelry
  • Time-to-Close: 1 Week

Referral: N/A (Direct)

Jewelry & Watch Finance Key Contacts

United States
01 / 03
Shelley Sullivan Vice President, Business Relationships
02 / 03
Karina Rousou Director of Jewelry Department
03 / 03
Karen De Lama Internal Business Development Manager

Contact Us

Borro Office & Valuation Center
  • 767 Third Avenue
  • New York, NY, 10017