The Process
How borrowing against your asset works
A direct, discreet process designed around your convenience and privacy, from first enquiry to funds in your account, usually within days. Loans of £61,000 to £2,000,000 for certified high-net-worth individuals.
How It Works
From enquiry to funds in your account, our process is designed around your convenience and privacy.
Submit Your Enquiry
Submit our online enquiry or request a callback, and our team will assess your asset and come back with any further questions. We will need ID, bank details and a High Net Worth statement to complete any loan.
Offer in Principle
Based on the information provided and pending first-hand inspection, we provide an offer in principle outlining our initial assessment, straight to your inbox.
Contracts & Funds
Once accepted, SAFE will arrange collection or shipping to our fully insured storage facility. Once all assets are verified, loan contracts are signed and funds transferred to your account.
Eligibility
What you'll need
To meet anti-money-laundering and certification requirements, we ask for a few standard documents. There is no affordability assessment and no credit check.
Proof of identity
A current passport or driving licence for anti-money-laundering verification. Quick and handled securely.
Proof of ownership
Evidence that the asset is yours: receipts, certificates, service records, registration documents or provenance, depending on the asset.
Proof of address
A recent utility bill or bank statement, again for standard anti-money-laundering and identity checks.
High Net Worth statement
A High Net Worth self-certification, authorised by a verified, accredited accountant. Our lending is available exclusively to certified high-net-worth individuals, and we guide you through this.
Your asset
What happens to your asset
Your asset is held securely and fully insured for the term of the loan, and returned to you on redemption.
Allocated, fully insured storage
Your asset is held under your name in a secure, fully insured facility appropriate to its type: vault, climate-controlled art store or specialist car storage. It is set aside, never pooled or used for any other purpose.
Insured collection and handling
Door-to-door insured collection across the UK by trained handlers, with chain-of-custody documentation. Our team is insured to handle assets up to £5,000,000 in value.
Inspection during the loan
You may view or check on your asset at any point during the loan with 48–72 hours' notice. Storage locations can be disclosed on request.
Redemption at the end of the term
After the minimum 3-month term you can redeem your asset at any time with no early repayment or exit fees. Repay the balance and accrued interest, and we arrange secure return.
Process: Common Questions
The practicalities of arranging a loan against your asset.
No. We operate nationwide and arrange insured door-to-door collection of your asset, so the entire process can be completed without you travelling. In-person appointments are available if you prefer.
For most assets, from enquiry to funds in your account takes 3 to 10 working days once we have asset information and proof of ownership. Art and classic cars that require specialist inspection typically take 5 to 14 working days.
No. Enquiries and valuations are free and carry no obligation. There are no set-up costs, and after the minimum 3-month term there are no early redemption or exit fees.
No. Our standard process involves no credit checks: the loan is secured against your asset, not your income or credit history.
Ready to begin?
Submit an enquiry with a few details about your asset. We respond within 24 hours and arrange a free valuation. No commitment, no fee.