You might need cash quickly to take advantage of opportunities in 2026, but the best approach could be something you haven’t yet considered.
Many high-net-worth individuals are in the same boat as you. They hold significant wealth, but it’s not in cash; they’re asset-rich but cash-poor. So they approach Trilogy Finance for support.
Just like our clients in Mayfair and across London, you might have more instantly available wealth than you think. It’s probably sitting in your garage, your storage unit, or even your bedside table.
You can unlock liquidity from your high-value assets without compromising long-term wealth or asset appreciation. We’ll show you how.
Are you “asset-rich, cash-poor”?
Being asset-rich and cash-poor means having significant wealth tied up in valuable, but illiquid, assets.
It’s a common scenario among London’s wealthiest, where people make strategic decisions to invest their income in appreciating assets. According to Equity Release Supermarket, recent reports found that one-fifth of UK adults aged 55 and over have less than £1000 in savings.
Instead, many of them have wealth tied up in assets that may be appreciating but aren’t immediately liquid.
Your situation might be similar. But here’s the good news: Although you face illiquidity, you can immediately unlock wealth from your luxury assets. Asset-backed loans give you liquidity from items, often in less than a day – without selling up!
When unlocking quick capital from high-value items is the right route
Unlocking liquidity from assets is a smart way to move quickly on opportunities in 2026. You don’t need large sums of cash in the bank – or to sell your belongings – to access funds.
A luxury asset loan is an option for people in the UK who own high-value items. Items you can use for asset lending range from real estate to luxury vehicles, jewellery, precious metals and gemstones, art, and vehicles.
Put simply, you use these items as collateral against a loan. You’ll still technically own the item, and you’ll get it back at the end of the loan period.
Some key moments when our clients turn to asset-backed loans include:
- Time-sensitive investment opportunities requiring quick capital
- A need to urgently cover a tax bill
- Business expenses or expansion ahead of expected income
- Bridging periods until a bonus or liquidity event
When speed and discretion are your biggest drivers, a loan against something you already own could be a great way forward.
Why selling valuable assets is often the wrong move
Selling your treasured (and often sentimental) items isn’t the only option. In fact, there are plenty of downsides to selling.
For example, once you’ve sold items, you lose any future appreciation. Wealthy individuals in the UK also tend to avoid forced sales because there’s a risk that market timing won’t be in their favour, and because of the tax implications. A substantial amount of your asset’s appreciation may be lost immediately on sale, thanks to Capital Gains Tax (CGT).
Of course, it’s not all about financial risk. You might be reluctant to sell your items because they’re close to your heart – you don’t want to risk either emotional or strategic regret.
While selling is irreversible, luxury asset loans are temporary. You get to regain your asset after repayment, maintaining long-term wealth upside and ensuring you don’t leave the outcome in the hands of the market’s state.
Using asset-backed loans as a strategic liquidity tool
Asset-backed lending is a financial solution used by savvy investors, business people and wealthy individuals.
This isn’t last-resort lending. It’s a clever capital management strategy that lets you raise cash quickly and quietly.
Briefly, here’s how it works: You borrow cash against high-value items like luxury watches, fine art, vehicles, diamonds and jewellery. Loans are secured against the value of the asset, not your income or credit history (no credit checks are carried out, although you will need to provide identification).
At Trilogy Finance, we often release funds the very same day, up to the value of £5 million.
The process is discreet and handled privately by a professional team in Mayfair, London. Most FCA pawn contracts are six months, and we can offer three month contracts as buy-back loans. These timescales can usually be shortened or extended to suit your needs. We’ll store your items safely until the loan is repaid, and then we return the items to you.
UK luxury asset loans: Rules & regulations
When you’re asset-rich and cash-poor, you’ll be glad to know that everything we do here at Trilogy Finance is within FCA regulations. As a London-based lender, we’re operating in a well-regulated environment for this type of finance.
The FCA (Financial Conduct Authority) regulates the UK’s financial services market. The body protects consumers by ensuring fair treatment and transparent pricing. As a responsible lender, we follow all FCA processes and regulations, so you know your money and assets are in safe hands. We’ll always recommend the solution that makes the most sense for you, never engage in misleading or aggressive practices, and explain risks as clearly as benefits.
Clarity and fairness lead everything we do.
In addition to following all best practices and regulations, we have full insurance that protects high-value items. For more information, read about how we keep your assets safe.