Private asset-based lending
Access funds without selling what you value
ALYRA provides discreet loans from $50,000 to $5 million, secured against watches, jewellery, diamonds, art, classic and luxury cars, and gold bullion.
Confidential enquiry · No obligation · Specialist response usually within one business day
What is ALYRA?
A loan against your asset, not a sale of it.
ALYRA helps clients access funds without selling valuable assets they want to keep.
Each eligible asset is assessed by a specialist, held securely for the agreed loan term, and returned once you've repaid.
No public listing. No auction. No obligation.
What we lend against
Six asset classes. One private way to access funds.
ALYRA lends against high-value assets with clear ownership, good condition, and proven resale demand. What qualifies depends on the asset, its documents, value, location, and applicable law.
Rolex, Patek Philippe, Audemars Piguet, Richard Mille, and other collectible watches.
Lending Against Watches →
Diamond jewellery, signed pieces, coloured stones, and other high-value items.
Lending Against Jewellery →
Established, contemporary, and collectible works, subject to provenance, condition, artist market, and saleability.
Lending Against Fine Art →
Selected classic, prestige, and collector vehicles, subject to title, condition, location, and custody requirements.
Lending Against Cars →
Investment-grade bars and coins, subject to verification of weight, purity, ownership, and authenticity.
Lending Against Bullion →
Hermès, Chanel, Louis Vuitton, and other collector handbags, subject to condition, provenance, authenticity, and resale demand.
Lending Against Handbags →How it works
From confidential enquiry to asset return.
A simple, private process from first enquiry to the return of your asset.
- 01
Share your asset details
Submit photos, key details, and any documents you have. ALYRA reviews your enquiry privately and confirms whether the asset is suitable for assessment.
- 02
Receive a specialist assessment
A specialist reviews the asset's condition, documents, value, market demand, and custody requirements.
- 03
Review your loan offer
If approved, you receive a written offer showing the loan amount, fees, interest, repayment terms, redemption rights, and what happens if you don't repay, before you proceed.
- 04
Repay and retrieve your asset
Your asset is held securely during the loan term and returned once the loan is repaid under the agreed terms.
Funding is not guaranteed. Loans depend on the asset, valuation, approval, custody, documents, applicable law, and agreed terms. Your asset is at risk if repayment obligations are not met.
Why ALYRA
Private, licensed lending against high-value assets.
ALYRA helps clients access funds privately, with clear loan terms, specialist asset review, and secure custody without a public sale.
Private process
Your enquiry is handled confidentially. Your asset is not publicly listed, marketed, or sent to auction.
Licensed pawnbroker
ALYRA provides loans secured against pledged goods under applicable pawnbroking laws. Loan terms are documented before you proceed.
Specialist review
Eligible assets are reviewed by a specialist before any loan offer is made.
Secure custody
If your loan proceeds, your asset is documented and held securely for the agreed loan term, subject to custody and insurance terms.
Valuation & specialist assessment
Specialist assessment for high-value assets.
High-value assets are not assessed by brand, weight, artist name, or recent sale price alone.
Condition, provenance, rarity, service history, documents, market demand, and likely resale value all matter.
ALYRA reviews each eligible asset before making a loan offer. The assessment considers both value and suitability as loan security.
Eden John leads ALYRA's valuation process, with experience across high-value watches, jewellery, diamonds, and collectible assets for private clients.
Clients deal confidentially from first enquiry through assessment, documentation, custody, and loan completion.
Speak With a Specialist →Security & custody
Securely held until repayment.
When a loan is approved, your asset is documented and held securely for the agreed loan term. You remain the owner. ALYRA holds the asset only as security for the loan.
Your asset is at risk if repayment obligations are not met.
Custody process
- 1Received and checkedThe asset is received, identified, and reviewed against available documents.
- 2Photographed and documentedIts condition, details, and supporting records are documented before custody.
- 3Held securelyThe asset is catalogued and held securely for the agreed loan term, subject to custody and insurance terms.
- 4Returned after repaymentOnce the loan is repaid under the agreed terms, the asset is returned to you.
Borrow or Sell
Keep the asset, or sell it permanently.
Borrowing may suit clients who want access to funds while keeping ownership of their asset during the loan term. Selling may suit clients who are ready to transfer ownership permanently.
Borrow with ALYRA
Access funds without selling your asset.
Sell privately
Receive a private purchase offer where available.
Borrowing is not suitable for everyone. Your asset is at risk if repayment obligations are not met. Any decision to sell should be considered separately from the lending process.
Questions
Frequently asked questions.
Everything else is explained privately before you proceed. Speak with a specialist about your asset in confidence.
Request a Confidential Valuation →What is private asset-based lending?
Private asset-based lending is a loan secured against a valuable asset you own. The asset is assessed, held securely during the loan term, and returned when the loan is repaid in accordance with the agreed terms.
Who is private asset-based lending suitable for?
It may suit private clients and collectors who own valuable physical assets and want liquidity without publicly selling watches, jewellery, diamonds, art, classic cars or bullion.
What assets can secure a loan?
ALYRA considers high-value watches, jewellery, diamonds, fine art, classic and luxury cars, gold bullion. Suitability depends on asset quality, provenance, market demand, valuation and custody requirements.
How is ALYRA different from selling through auction or a marketplace?
Selling transfers ownership and may involve public exposure, fees, negotiation and timing risk. ALYRA provides a private lending process where the client retains ownership and recovers the asset after repayment.
What happens after I submit an enquiry?
ALYRA reviews the asset details, photographs and supporting documentation. If the asset may be suitable, a specialist may contact you to discuss valuation, custody and next steps.
How much can I borrow?
ALYRA provides loans from $50,000 to $5 million, subject to asset type, valuation, approval, custody, documentation and agreed loan terms.
Is this a pawn loan?
ALYRA provides loans secured against pledged goods under applicable pawnbroking laws. The process is private, specialist-led and designed for high-value assets.
Do I keep ownership of my asset?
Yes. You retain ownership of the asset while ALYRA holds it as security for the loan. Once the loan is repaid in accordance with the agreed terms, the asset is returned to you.
What happens to my asset while the loan is active?
The asset is held in secure custody while the loan is active. Insurance may apply subject to policy terms, asset approval, valuation limits and custody conditions.
How quickly can I receive funds?
Timing depends on the asset, documentation, valuation, approval and custody requirements. A specialist typically responds to enquiries within one business day.
Will my asset be listed for sale?
No public listing, auction campaign or marketplace sale is required to access funds. The asset is held as security during the loan term.
Will this appear on my credit record?
This depends on the final loan structure, applicable law and the circumstances of the loan. ALYRA will explain relevant disclosure and reporting obligations before you proceed.
Can I repay early?
Early repayment may be available where permitted under your loan terms. Any applicable fees, interest and repayment conditions are disclosed before you proceed.
What happens if I do not repay?
Your asset is at risk if you do not meet your repayment obligations. Fees, notices, redemption rights and enforcement processes are disclosed before you proceed.
Can I sell instead of borrow?
You may choose to sell an asset independently instead of borrowing against it. ALYRA's primary service is lending secured against eligible physical assets.
Confidential enquiry
Request a confidential valuation.
Submit your asset details for private review. An ALYRA specialist will assess the information and contact you confidentially, typically within one business day.
Your details are reviewed confidentially and are not used to publicly list, market or sell your asset.
Request received.
Thank you. Your enquiry has been received. A specialist will review the information and contact you privately, typically within one business day.