Watches.

Use case

Luxury only — Rolex, Patek, AP, Richard Mille, Cartier and supporting brands. Up to 65% LTV. Reference-level pricing, not category averages.

To start the conversation, email [email protected] with photos and reference details. For a calibrated baseline before that, use the LAL estimator — it'll give you a wholesale-FMV range based on category, value, and target loan amount.

What to send

• 4–6 clear photos of the asset (front, back, sides, condition detail)
• Reference number, date code, or model identifier
• Documentation: papers, certificates, provenance, GIA grading reports
• A brief note about how much you want to borrow and your timeline

Two-hour reply during business hours with a preliminary range. In-person appraisal sets the final number.