Borrow 40–60% of appraised value on fine art, wine, watches, cars — non-recourse, no credit check.
Sotheby's Financial Services, Athena Art Finance, Bank of America Art Lending, and Emigrant Fine Art provide non-recourse loans at 40–60% of appraised value against museum-quality art (>$500K per work), wine cellars (>$250K), watches (>$100K), and collector cars. Rates 5–9%, no credit or income underwriting on non-recourse tier — art itself is collateral. Perfect for liquidity without triggering capital gains on sale. Preserves upside if art appreciates.
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Buy a $1M–$5M business with 10% down, 10-yr amortization.
10% down, 20–25 yr fixed for owner-occupied real estate.
Owner becomes the bank — negotiate rate, term, and structure.
Tap home equity to fund higher-yield investments.
Borrow against your stock portfolio without selling.
Speed capital for flips, bridges, and value-add plays.
Rental loans qualified on property cash flow, not personal DTI.
Raise from LPs to acquire larger assets you couldn't alone.