Luxury Asset
Bridging Loans

Secure credit for 6 months by providing your luxury assets as security. No credit checks are needed and assets are returned once repayment has been made in full, including payment of any interest or charges that may apply.


    We have an in-house valuations team along with an international network of qualified appraisers, auction house specialists and experienced dealers so that we can provide you with accurate estimates in a timely manner.


    Once you accept the loan, the proceeds can be deposited to your UK bank account within minutes. No time is wasted getting you the funds you need.


    Borro does not perform credit checks on you and we do not report any information to credit agencies. Your loan is simply secured against your luxury asset.


    Whilst provided as security with Borro, your luxury assets are secure and protected.

    How much will Borro lend?
    We will assess the value of the assets to be pledged as security for the loan, against which we will then provide an amount of credit equivalent to a percentage of the security's assessed value. The percentage will vary dependent on asset type. Each asset must have an assessed value of at least £5,000. More than one asset can be pledged as security. The minimum amount of credit we provide is £10,000.

    How long will Borro lend for?
    Luxury Asset Bridging Loans are all for 6 Months.

    A luxury asset bridging loan or term loan from Borro is not a long-term financial solution. In the event that you are unable to meet your repayments, any asset(s) provided as security may be sold by us. The proceeds of any such sale will be applied to the outstanding balance of your loan. Further action may be taken against you in the event of a shortfall, which may include court proceedings. Terms & Conditions apply. Finance available to 18s or over. Finance subject to status.


    A Bridging Loan consists of a monthly fixed rate of interest, which means your monthly interest payment will not increase. provided you meed your payment obligations under the agreement. The interest rate varies depending on the luxury asset and the value of the loan. Interest is charged on a monthly basis.

    Representative Example
    Loan offer: £50,000
    Rate of Interest: 41.88% per annum (fixed)
    Rate of Interest: 3.49% per month (fixed)
    Administration fee: £1,500 (3%, typically 2-3% of loan offer)
    Total amount of credit: £48,500
    Representative APR: 55.8% APR
    Duration of the agreement: 6 months
    Total amount payable: £60,470
    Repayment of credit: one repayment of £60,470 at the end of month 6

    A luxury asset bridging loan or term loan from Borro is not a long-term financial solution. In the event that you are unable to meet your repayments, any asset(s) provided as security may be sold by us. The proceeds of any such sale will be applied to the outstanding balance of your loan. Further action may be taken against you in the event of a shortfall, which may include court proceedings. Terms & Conditions apply. Finance available to 18s or over. Finance subject to status.


    Our bridging loans are for a fixed term of 6 months but can be paid back in full at any time. Early repayment fees may apply.


    A set-up fee for asset appraisal and logistics is applied only when you accept your loan offer. If you change your mind about the loan, no problem, your luxury assets will be securely shipped back to you free of charge. We refer to this as an Administration fee.


    You can prepay your loan at any time. Early repayment charges may apply.

  • What kind of assets does Borro accept as collateral for a loan?

    Borro accepts the following types of luxury assets:


      Fine Art & Antiques


      Classic & Luxury Cars


      Jewellery & Diamonds


      Luxury Watches


      Gold & Precious Metals


      Luxury Handbags


      Fine Wine

    Borro has also provided loans on other types of assets ranging from memorabilia to musical instruments. Please be sure to also view our FAQ that lists which assets Borro does not accept.

    What kind of assets does Borro not accept?

    Borro does not:




      Stocks & Bonds


      Animals & Livestock


      Construction Equipment




      Assets that you have not fully paid off


      Assets that are not fully owned by you

    How much can I borrow?

    Borro offers Luxury Asset Bridging Loans from £10,000 to £5,000,000.

    Is there a maximum or minimum loan term?

    The Luxury Asset Bridging Loan contract is for 6 months. Early repayment fees may apply. You can also apply for another loan after the initial loan term. The terms of the new loan may vary from the initial loan.

    Who will value my assets and determine how much I can borrow?

    Borro has an in-house team of valuers certified by organisations such as Gemmological Association of Great Britain, The National Association of Jewellers and the Gemological Institute of America.

    Our valuers maintain an international network of qualified appraisers, specialists and dealers to ensure Borro bases its decisions on the most accurate market value assessment possible.

    What exactly do you mean when you say that your loans are based on "market value"?

    "Market value" is the amount of money that you could expect to receive from selling your luxury asset(s) today. This is often different from the "retail value" at which the assets were bought.

    The "retail value" of a luxury asset is almost always a higher value than the current "market value" as "retail value" factors in the costs incurred in marketing, storing, and selling the asset to you.

    Luxury assets tend to depreciate compared with their retail value unless they are very rare.

    Can I extend my loan?

    The luxury asset bridging loan will not be renewed. You can apply for another loan. The terms of the new loan may vary from the initial loan.

    Can I change my mind?

    Up until your loan agreement is accepted you have complete flexibility.

    When will I receive my funds?

    If you accept the loan offer and you pass our checks you can receive your loan funding the same day via a bank transfer.

    How do I repay my loan?

    Borro accepts bank transfers and debit card payments. Some payment methods process faster than others so it is important that you understand the processing time required for the payment method that you choose to use. Payment must come from an account in the account holders name. Payment from business accounts or third parties will not be accepted.

    How will I get my assets to Borro for valuation?

    Borro can arrange for a courier to collect assets such as luxury watches and jewellery as well as smaller works of fine art and antiques. Alternatively, you may book an appointment to meet our valuers at our offices.

    For larger works of fine art and antiques or luxury and classic cars we will arrange specialised transportation via one of our partners.

    For important pieces or assets in specialised storage we can arrange an on location visit by our valuers.

    What does an appointment at Borro's offices involve?

    When you visit us, you will be greeted by your account manager and one of our valuers. Based on the valuer's assessment of your assets you will receive a loan offer.

    Your account manager will then set up your Borro account if you haven't done so already, explain your loan agreement and you can receive your loan funding the very same day via a bank transfer provided you pass our checks.

    You can book an appointment by calling us at 0800 056 1000. Borro recommends booking an appointment in advance of your arrival however you are welcome to visit our offices for a walk-in appointment if you are near one of our offices.

    Where will my assets be stored?

    All luxury assets are stored under highly-secure conditions with Borro's storage partners. Each partner offers specialised, state-of-the-art storage options so Borro can ensure assets are well taken care of until they are returned to you.

    When can I redeem my loan?

    Your loan can be redeemed at any time, subject to early repayment fees where applicable, either online or with our Accounts team. You may come to our offices to receive your assets or Borro can arrange to have them returned to you.

    Please call our Accounts Team on 0203 131 504 to arrange your redemption.

    Please be aware that all redemption appointments must be booked in advance.

    Can someone else come and collect my assets on my behalf?

    Please contact a member of our Accounts Team at 0203 131 504 to discuss this further.

    How will my assets be returned to me?

    Your assets are returned to your address in the same way they were brought to Borro for valuation after our Accounts Team have confirmed the return details with you.

    Should you need to change your details or if you would like to pick up your assets yourself please contact our Accounts Team at 0203 131 504.

    Is it possible for my assets to be delivered to an alternate address?

    To offer the highest level of security for the assets that you have entrusted to Borro for the period of your loan, we do not arrange to deliver assets to any address other than the residential address listed on your account.

    If you have changed address since you took out your loan, you can update your address by sending a copy of a utility bill or bank statement to along with a covering email explaining that you wish to update your address. Please ensure that this is dated within the last 3 months of the date of sending. This will be updated online within 24 hours. If the address is not updated, please call our Accounts Team on 0203 131 5040.

    If it is not convenient for the assets to be delivered to your residential address we can arrange an appointment for you to come and collect the assets from our offices in central London.
    To arrange an appointment email us at or call our Accounts Team on 0203 131 5040. Please be advised we will require photo ID in the form of a passport or driving license for redemption.

    What can I do in my Borro account?

    From within your My Account Area you can update your account details, keep track of your loan statements, for interest, redemption or extension (if applicable) of your account, view all the assets currently under contract and apply for new loans.

    How do I log in to or create my Borro account?

    Simply visit the sign in page and you can log in or create a Borro account.

    How do I change my Borro account password?

    Simply visit the forgot password page and you can reset your Borro account password.

    What happens if I cannot repay my loan on the expiry date?

    Missing payments could have severe consequences for you. If you do not make the payments due under the loan agreement or fail to make them when due you may not be allowed to redeem your assets and/or may lose your right to redeem your assets. Missing payments may mean that you incur charges and also that obtaining credit will be more difficult for you in the future.


  • Luxury watches

    Luxury Watches

  • Jewellery & Diamonds

    Jewellery & Diamonds

  • Fine Art & Antiques

    Fine Art & Antiques

  • Luxury Cars

    Luxury Cars

  • Gold & Precious Metal

    Gold & Precious Metal

  • Fine Wine

    Fine Wine

  • Luxury handbags

    Luxury Handbags

Speak to a specialist

0800 056 1000

Or get started online

  Add Another Asset


Application has no impact on your credit score

Borro honoured as a member of the 2014 FinTech50

Since 2008, Borro has provided
£108,604,000 in funding to our clients.


The main benefit for me is the speed with which a loan can be agreed, as well as the flexibility. I can pay the loan back as quickly as I want and am not tied to a longer-term deal.”
— Francine L.


See How Borro
Can Work for You

Borro's process is easy and private. It is designed to get you the maximum value in the minimum time.

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