LOANS AGAINST WATCHES
We offer short term loans on watches with competitive interest rates. No credit checks or impact on affordability. Watch loans available up to £2 million with terms from 3 to 24 months.
BRIDGE LOANS
Use your luxury watches as security for a loan. This prevents you from having to sell your luxury asset(s) as it is returned to you once the loan is repaid. This offers an alternative to a traditional bank loan or property bridging loan.
SALE ADVANCE LOANS
Sell your luxury watches and receive funds immediately rather than waiting for the sale to take place. Our experts work with you to find the best sales channel to sell your luxury asset and you receive a large proportion of the auction reserve price immediately.
ACQUISITION LOANS
Take advantage of luxury watch investment opportunities when they arise. You can bid at auction, settle the purchase with our loan and then take possession of the asset at a later date.
OUR PROCESS
We can come to you or you can come to us.
We offer luxury watch loans against a wide range of watch brands, including Rolex, Cartier, Omega, Patek Philippe and Audemars Piguet. We consider many variables when appraising your luxury watch:
- Brand and model – Certain brands and whether your watch is limited edition, discontinued or a current model can impact value.
- Condition – The aesthetic and working condition of your luxury watch will influence our valuation.
- Age – Vintage watches are valued on their scarcity whereas modern watches tend to be valued on how new they are.
- Provenance – Any paperwork, original boxes, sale records will be taken into consideration.
Our in house logistics team arrange for watches to be collected by us or a courier service. Alternatively, clients can arrange an appointment and bring their watches to us.
When watches are at our appraisals centre, they are handled under CCTV and photographed. Should the client choose to proceed with the loan, their watches will be stored in our highly secure vaults.
Whilst watches are with us, they are subject to specialist care. We guarantee watches are returned to clients in either the same or an even better condition than before. With our ‘White Glove Experience’, a condition report is provided for each watch and they are stored in boxes/pouches for the duration of the loan.
CONTACT US
Our Business Development team is available to help with your enquiries.
WHY US
A solution to your short term liquidity challenges.
FAST
We provide loan funding in as little as 1-3 days from application.
CONFIDENTIAL
We maintain the highest ethical standards and utmost client discretion.
FAST
We provide loan funding in
as little as 1-3 days from application.
CONFIDENTIAL
We maintain the highest ethical standards and utmost client discretion.
EXPERT
The group we are part of has lent over £300 million against luxury assets since 2010.
FLEXIBLE
We provide clients with a personal service and tailor loan terms around their needs.
EXPERT
The group we are part of has lent over £300 million against luxury assets since 2010.
FLEXIBLE
We provide clients with a personal service and tailor loan terms around their needs.
WATCH FINANCE
We offer loans on watches in London, across the UK, and occasionally in Europe, secured against luxury timepieces from leading brands such as Rolex. Taking out a loan against a watch provides individuals and collectors with a flexible way to unlock capital without having to sell their watch. Our expert team has years of experience providing luxury watch loans, with deep knowledge of the luxury watch market. Backed by Crestline Investors, Inc., we have provided over £300 million in loans secured against luxury assets since 2010.
Ray Palmer
Director
WATCH FINANCE
Watch lending you can trust.
We offer loans on watches in London, across the UK, and occasionally in Europe, secured against luxury timepieces from leading brands such as Rolex. Taking out a loan against a watch provides individuals and collectors with a flexible way to unlock capital without having to sell their watch. Our expert team has years of experience providing luxury watch loans, with deep knowledge of the luxury watch market. Backed by Crestline Investors, Inc., we have provided over £300 million in loans secured against luxury assets since 2010.
Ray Palmer
Director
FRequently asked questions
Your questions answered.
FRequently asked questions
Your questions answered.
How much can I borrow against my luxury watch?
We typically lend between 50% and 70% of the value of your luxury watches. For example, if your collection of Rolex watches is appraised at £110,000, you could borrow £77,000 against your watch.
How to Loan Against a Watch?
To loan on a watch, simply start by submitting details and photos of your timepiece to our team. We’ll assess the brand, model, condition, and recent comparable sales records to give you a preliminary loan estimate. You can then book an appointment at our Central London office or use our insured courier service to send us the watch for final inspection. Once the valuation is confirmed and the loan agreement is signed, funds are transferred to your bank account.
Do you offer Rolex watch loans?
Yes, we do – over 80% of the luxury watches we lend against are Rolex watches. Our team has deep expertise in valuing and lending against Rolex timepieces, and we offer competitive loans against Rolex watches based on current market value. In many cases, funds can be released on the same day.
Do you offer loans on watches to dealers?
In addition to offering loans to watch owners and investors, we also offer dealer inventory loans to traders and retailers in the watch industry.
What LUXURY assets do you accept?
We accept a wide range of luxury assets including, but not limited to luxury and classic cars, fine art, watches, jewellery and diamonds, fine wine, antiques and gold.
Why loan against and not sell your luxury watch?
Luxury watches are quite frequently purchased to commemorate a milestone or collected as an investment. Therefore watch owners often want to retain ownership of their timepieces and don’t want to sell. However, if a short term loan is needed, the equity held in your luxury watches can be temporarily released to solve your liquidity issues.
Where can I loan against my luxury watch?
Suros Capital is based in London, however, we can lend to clients across the UK and sometimes worldwide, although this depends on the client meeting certain lending criteria. Please contact us to see how we can help you.
How much will it cost?
Terms
All our loans are for 3 to 24 months. Maximum APR (including all fees) is 44.7%.
Representative Example
Loan amount of £100,000. Admin fee of 3%. Loan term of 6 months. Interest rate of 2% per month. 3 months paid interest upfront of £6,000. Net advance of £91,000. Total interest of £15,000 over 6 months. Representative APR is 36.4% (including all fees).
How much can I borrow against my luxury watch?
We typically lend between 50% and 70% of the value of your luxury watches. For example, if your collection of Rolex watches is appraised at £110,000, you could borrow £77,000 against your watch.
How to loan against a watch?
To loan on a watch, simply start by submitting details and photos of your timepiece to our team. We’ll assess the brand, model, condition, and recent comparable sales records to give you a preliminary loan estimate. You can then book an appointment at our Central London office or use our insured courier service to send us the watch for final inspection. Once the valuation is confirmed and the loan agreement is signed, funds are transferred to your bank account.
Do You Offer Rolex Watch Loans?
Yes, we do – over 80% of the luxury watches we lend against are Rolex watches. Our team has deep expertise in valuing and lending against Rolex timepieces, and we offer competitive loans against Rolex watches based on current market value. In many cases, funds can be released on the same day.
Do you offer loans on watches to dealers?
In addition to offering loans to watch owners and investors, we also offer dealer inventory loans to traders and retailers in the watch industry.
What LUXURY assets do you accept?
We accept a wide range of luxury assets including, but not limited to luxury and classic cars, fine art, watches, jewellery and diamonds, fine wine, antiques and gold.
Why loan against and not sell your luxury watch?
Luxury watches are quite frequently purchased to commemorate a milestone or collected as an investment. Therefore watch owners often want to retain ownership of their timepieces and don’t want to sell. However, if a short term loan is needed, the equity held in your luxury watches can be temporarily released to solve your liquidity issues.
Where can I loan against my luxury watch?
Suros Capital is based in London, however, we can lend to clients across the UK and sometimes worldwide, although this depends on the client meeting certain lending criteria. Please contact us to see how we can help you.
How much will it cost?
Terms
All our loans are for 3 to 24 months. Maximum APR (including all fees) is 44.7%.
Representative Example
Loan amount of £100,000. Admin fee of 3%. Loan term of 6 months. Interest rate of 2% per month. 3 months paid interest upfront of £6,000. Net advance of £91,000. Total interest of £15,000 over 6 months. Representative APR is 36.4% (including all fees).
CASE STUDIES
Examples of how we have supported clients.
Aston Martin Used to Solve Liquidity Challenge
Our bridge short-term loan helped this client keep their vintage Aston Martin DB6 car.
Fine Wine Used to Fund a Business Opportunity
Our bridge loan allowed this entrepreneur to purchase a new business.
Watch Collection Used to Cover a SME Tax Bill
Our bridge loan helped this client pay his tax bill on time and avoid severe penalties.
We Helped This Collector Acquire Antiques at Auction
Our auction acquisition loan funded this luxury asset purchase while waiting on funds from another sale.
Financing an Art Gallery Owner’s Stock Purchase
The client was keen to buy new works and needed to move quickly to secure them, required a short term loan to make the purchase.
Jewellery Used to Complete Property Transaction
Our bridge loan helped this client complete the purchase of a new property after the lender reduced the original mortgage amount.
We are a specialist lending company providing loans secured against luxury assets. The group we are part of has lent over £300 million against luxury assets since 2010, and we are funded by Crestline Investors, Inc.(‘Crestline’), an institutional alternative asset manager.
© 2025 Suros Capital – all rights reserved. Suros Capital is a trading name of Hopkins & Jones Limited who are authorised and regulated by the Financial Conduct Authority. Firm reference number 731198. Hopkins & Jones Limited is registered in England under company number 433606. Registered office: 127 Victoria Street, London SW1E 6RD. VAT number: 238 8280 37.
© 2025 Suros Capital – all rights reserved. Suros Capital is a trading name of Hopkins & Jones Limited who are authorised and regulated by the Financial Conduct Authority. Firm reference number 731198. www.suroscapital.co.uk is a site operated by Hopkins & Jones Limited, registered in England under company number 433606. Registered office: 127 Victoria Street, London SW1E 6RD. VAT number: 238 8280 37.
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