Luxury Asset Financing
Secured debt capital for private jets, superyachts, fine art, and exotic automobiles
Specialized Luxury Asset Lending
Pilothouse arranges secured debt financing for family offices and corporate entities seeking leverage against premium assets. Our specialized lender network understands luxury asset markets and can structure flexible financing that preserves liquidity while providing access to capital for acquisitions, portfolio diversification, or bridge financing needs.
Unlike traditional asset-based lenders who apply generic underwriting criteria, our partners specialize in valuing and financing unique luxury assets. We handle all appraisal coordination, insurance verification, title work, and documentation to ensure a seamless closing—typically within 30-45 days for qualified borrowers.
Asset Classes We Finance
Private Aircraft
Financing for turboprops, light jets, midsize jets, super-midsize, and heavy jets from leading manufacturers including Gulfstream, Bombardier, Dassault, Cessna, and Embraer.
- Loan Size: $3M - $75M+
- LTV: Up to 80% for newer aircraft
- Rates: 6% - 10% depending on age and model
- Terms: 5-15 years with flexible amortization
Superyachts & Vessels
Financing for motor yachts, sailing yachts, and superyachts from premier builders including Benetti, Lürssen, Feadship, Azimut, and Sunseeker.
- Loan Size: $5M - $100M+
- LTV: Up to 70% for superyachts 80ft+
- Rates: 7% - 12% depending on vessel age and condition
- Terms: 10-15 years with balloon options
Fine Art & Collectibles
Financing for museum-quality paintings, sculptures, photography, and rare collectibles from established artists with strong secondary market liquidity.
- Loan Size: $1M - $50M+ (individual pieces or collections)
- LTV: 50% - 70% based on auction comparables
- Rates: 8% - 12% for established artists
- Terms: 1-5 years interest-only structures common
Exotic Automobiles
Financing for rare and exotic vehicles including Ferrari, Lamborghini, McLaren, Bugatti, Pagani, and vintage collector cars with documented provenance.
- Loan Size: $500K - $10M+ (individual or collections)
- LTV: Up to 70% for limited-production hypercars
- Rates: 6% - 10% for investment-grade vehicles
- Terms: 3-7 years with prepayment flexibility
How Luxury Asset Financing Works
Initial Consultation
Share details about the asset (make, model, year, condition) and your financing needs. We'll provide a preliminary term sheet within 48 hours based on current market valuations.
Appraisal & Documentation
We coordinate independent appraisal from certified specialists (ASA, ISA, USPAP certified), insurance verification, title search, and ownership documentation. Typical turnaround: 7-14 days.
Underwriting & Approval
Our lender partners review asset quality, borrower credit profile, and collateral position. Most decisions are made within 5-7 business days for qualified borrowers with clean documentation.
Closing & Funding
Execute loan documents, perfect security interest (UCC filing, aircraft lien, vessel mortgage), and wire funds. Total time from application to funding: 30-45 days for most transactions.
Why Choose Pilothouse for Luxury Asset Financing
Specialized Lender Network
Access to niche lenders who understand luxury asset markets and can provide competitive terms unavailable through traditional banks
Flexible Structures
Interest-only options, balloon payments, non-recourse structures, and cross-collateralization for portfolio financing
White-Glove Service
We handle all coordination with appraisers, insurance providers, title companies, and legal counsel to ensure a seamless experience
Confidential Process
Discretion and privacy throughout the transaction with secure document handling via our proprietary Locker technology
Ready to Finance Your Luxury Asset?
Get a preliminary financing quote or schedule a confidential consultation with our luxury asset specialists.