Frequently Asked Questions

The Liquidity Network is a private capital network and consulting platform that helps high-net-worth individuals, business owners, and collectors access asset-backed capital arrangements using high-value tangible assets. We are not a bank or licensed lender. We connect asset owners with private capital sources that may be able to structure arrangements based on the verified value of specific collateral. All arrangements are subject to review and approval and may not be available in all jurisdictions.

No. The Liquidity Network is not a bank, mortgage company, or licensed lending institution. We are a private capital network and consulting platform. We do not originate loans, hold deposits, or offer any banking products or services. All capital arrangements facilitated through our network are structured through private capital sources and are subject to their individual review and approval.

We facilitate private capital arrangements from $10,000 to $10,000,000 and beyond. The amount available in any specific arrangement is determined by the verified value of the collateral asset, the asset type, current market conditions, and the structure requested. There is no minimum or maximum asset value requirement to submit an inquiry, we review each situation on its own merits.

We work with asset owners nationwide across the United States and in Canada. For Canadian clients, the collateral asset must be held in the United States for the duration of the arrangement. Availability of specific capital structures may vary by jurisdiction. Submit an inquiry and our team will clarify availability for your specific location.

Complete confidentiality is a core principle of how The Liquidity Network operates. We do not pull credit reports, which eliminates any inquiry footprint. We do not require employer verification, bank contact, or any third-party disclosure. The arrangement is between you and the capital source, handled privately and discreetly. All team members are bound by confidentiality obligations. Your financial situation is not shared with any party outside the arrangement.

The process begins when you submit a confidential inquiry through our website or by calling 561-768-2621. Our team reviews your submission and typically requests proof of ownership, a recent professional appraisal or appraisal coordination, clear photographs, and relevant authentication or maintenance records. Once documentation is reviewed, we assess eligibility and communicate preliminary term options if the scenario qualifies. If terms are agreed upon, we proceed to formal documentation, collateral transfer to insured custody, and capital deployment. Most qualified scenarios move from submission to funding within days.

Preliminary term sheets for qualified scenarios are typically issued within 24 hours of submission and complete documentation. Funding timeline varies depending on collateral verification, appraisal scheduling, documentation completeness, and deal complexity. For well-documented scenarios with clean provenance, deals can move from inquiry to funded status within a matter of days. Complex multi-asset portfolios or assets requiring specialized appraisal may take longer.

No. Private capital arrangements through The Liquidity Network are underwritten against the collateral asset, not your credit history or income profile. We do not pull credit reports and do not require tax returns, bank statements, W-2s, or income verification of any kind. Eligibility is determined by the asset and its verified value, not your financial biography.

Documentation requirements vary by asset type. Generally, you will need proof of ownership (title, certificate, receipt, or deed), a recent professional appraisal from a credentialed appraiser or willingness to coordinate one, clear photographs of the asset, and any relevant authentication, provenance, or maintenance records. For vehicles: title and VIN. For watches: box, papers, and service history where available. For jewelry and art: GIA certificates, provenance documentation, or prior auction records. Our team will guide you through exactly what's needed for your specific asset.

Assets are held in fully insured, secured custody for the duration of the arrangement. Custody arrangements vary by asset type, vehicles are stored in secured, climate-controlled facilities; watches and jewelry are held in bonded, insured vaults; art and collectibles are stored with appropriate environmental controls. All custody is fully insured to the verified value of the asset. Collateral handling is conducted with white-glove standards throughout the term.

Loan-to-value (LTV) refers to the ratio of capital provided relative to the verified appraised value of the collateral asset. For example, a 60% LTV on a $500,000 asset would yield $300,000 in capital. LTV ratios vary by asset type, market liquidity of the specific asset, condition, and other factors. The Liquidity Network does not publish specific LTV ratios publicly, as these are determined on a case-by-case basis during the review and underwriting process.

Early resolution options are addressed in the formal arrangement agreement. Many structures allow for early payoff, which would result in return of the collateral. Specific early termination terms, including any fees, minimum hold periods, or notice requirements, are disclosed and agreed upon before the arrangement is executed. If early repayment is a priority for you, communicate this during the structuring process so terms can be aligned accordingly.

As with any secured arrangement, failure to meet the agreed terms may result in loss of the collateral asset. Full terms, including consequences of non-performance, any cure periods, and resolution processes, are disclosed in the formal agreement before any arrangement is finalized. We encourage all prospective clients to review all terms carefully and, where appropriate, consult with their legal and financial advisors before proceeding. We are committed to transparent, plain-language disclosure of all material terms.

The Liquidity Network reviews assets across eleven primary categories: luxury and exotic vehicles, fine timepieces (including Richard Mille, Patek Philippe, Audemars Piguet, and Rolex), gems and fine jewelry, fine art (paintings, sculptures, photography), yachts and marine vessels, aircraft, motorsports equipment and race cars, sports memorabilia and collectibles, precious metals (gold, silver, platinum bullion), construction and heavy equipment, and collectibles and heirlooms including antiques and vintage pieces. Visit our Eligible Assets page for complete details.

Not all assets within our accepted categories will qualify. Assets that are typically ineligible include items with unclear or disputed ownership, assets with active liens or encumbrances that cannot be resolved prior to the arrangement, items that cannot be independently appraised or authenticated, assets with limited or no secondary market liquidity, and items in significantly degraded or damaged condition. Each submission is reviewed individually, and a determination is made based on the specific asset's characteristics.

The capital available against a fine timepiece depends on the specific reference, brand, condition, completeness (box and papers availability), and current secondary market values. Reference-specific demand plays a significant role, certain Richard Mille, Patek Philippe, Audemars Piguet, and Rolex references command meaningfully higher LTV than others. A formal submission with photographs, reference details, and documentation will yield a preliminary term sheet. Average LTV for qualifying timepieces varies; our team can provide guidance based on your specific piece.

Yes. Portfolio or multi-asset structures are available and can unlock more capital than any single asset alone. For asset owners with collections, watches, vehicles, jewelry, or a combination, portfolio structures allow multiple items to serve as collective collateral. This approach can be structured for greater flexibility and may provide access to higher capital amounts relative to individual item valuations. Discuss your full portfolio with our team to explore what structure might be most appropriate.

This depends on the asset type and the specific structure of the arrangement. Some structures allow the asset owner to retain possession and use of the asset during the term; others require the asset to be held in secure, insured custody as collateral. For most arrangements facilitated by The Liquidity Network, the asset is held in custody during the loan term. Collateral handling arrangements are clearly outlined in the final agreement and vary by asset category. This is an important question to address during the structuring conversation.

The Liquidity Network's partner program is open to financial and business professionals who regularly interact with clients holding high-value tangible assets. Qualified partners include commercial loan brokers, MCA brokers, ISOs, pawn brokers, luxury vehicle dealers, jewelry and watch dealers, CPAs, estate attorneys, financial advisors, real estate professionals, and other referral professionals with access to high-net-worth clients. Each application is reviewed individually to ensure a good fit with our program structure.

Approved partners receive access to the TLN Partner Portal, where they can submit client scenarios, track deal status in real time, and manage their referral pipeline. Partners can also submit deals directly by phone or email while portal access is being established. Each partner receives a unique partner code that ties referrals to their account and ensures accurate commission attribution for every funded deal.

Partners earn a competitive commission on every deal they refer that is successfully funded through The Liquidity Network. Commission terms, including rates, payment timing, and any applicable conditions or clawback periods, are confirmed during the partner onboarding process and documented in the TLN Partner Program Agreement. Our commission structure is designed to make TLN a meaningful revenue line for active partners who consistently refer qualified scenarios.

No. The Liquidity Network does not require exclusivity from its partners. You may continue to work with other capital sources alongside TLN. We earn your referrals through speed, transparency, competitive commission terms, and a premium client experience, not through contractual lock-in. Partners are free to send us deals alongside their existing lender relationships. Apply to the partner program at our Brokers page.