2. Collectors Leasing

Collectors Leasing

The Collectors Leasing from Yourasset offers you the opportunity to borrow against your existing watch or luxury asset collection. For the first time worldwide. Unlock the tied-up liquidity in your luxury watch and luxury bag collection and use the capital for another purchase or an investment. You keep your watches and luxury assets and must not deposit them with us.

The Collectors Leasing - How it works

You are a Collector and own luxury watches or bags from top Brands like Rolex, Patek Philippe, Audemars Piguet, Richard Mille, Hermes and Chanel.

With the Collectors Leasing you can unlock the tied-up capital in your luxury asset collection and use the capital for other purposes.

How it works - Explained using an example

  • Your Collection consists of # of watches with a total market value of CHF 200'000
  • You submit your collection via Yourasset "Apply for your Collectors Leasing"
  • Yourasset defines the amount for your collectors leasing with e.g. CHF 140'000
  • You submit your financing request with personal and financial information
  • You can receive up to CHF 140'000 in liquidity from our leasing partner
  • You keep your watch and bag collection and must not deposit it with us
  • Your Collection must be insured with one of our insurance partners
  • You can sell watches from your collection after discussing it with us
  • You can transfer ownership of your watches back to you with a buyback option

Apply for your Collectors Leasing

Do you want to know how much your collection is worth and what the maximum financing amount is?

Submit your Collection

The following luxury brands are considered for the Collectors Leasing

In the beginning the Collectors Leasing is available for selected brands of luxury watches and bags.

These luxury brands are included

  • Watches: Rolex, Audemars Piguet, Patek Philippe, Richard Mille, F.P. Journe, A. Lange & Söhne, Vacheron Constantin and Cartier
  • Handbags: Hermès and Chanel

The minimum value of your collection should exceed CHF 40'000
The minimum value of each watch and bag should exceed CHF 5'000

Are you interested in partnering with us?
Yourasset partners with Banks, Private Banks, Auction Houses, Luxury brands and merchants to make the new Collectors Leasing possible and accessible.
If you are interested in partnering with us, please write us to collectors.leasing@yourasset.com

Use Cases for the Collectors Leasing

  • Purchase a new watch, bag, art or car for your collection without spending your own capital

  • You received the allocation for a waitlisted watch and do not want to sell any watch from your existing collection

  • Invest the amount of the collectors leasing in an investment portfolio, real estate or projects etc.

  • Benefit from the increase in value of your watch collection, whether purchased at retail price or several years ago, and receive the collectors leasing based on market value

  • For example: If you purchased your watch collection at the retail price of CHF 100'000 and the market value is now CHF 200'000 you can realize the increase in value with the collectors leasing

  • For brands like Patek Philippe and their retail partners, this also means that their customers can benefit from the higher market value without selling watches or flipping them

My initial idea for Yourasset was: Why can't I get a loan against the value of my existing watch collection, secured by the value of my collection? Basically, a similar logic to a Lombard loan for an investment portfolio. I bought my Patek Philippe Nautilus 5711 Piano Dial in 2016 for CHF 21'900 from a retailer. Today, it is worth about CHF 75'000. I would like to use this value to purchase another watch or for an investment, but I would never sell my watch for it. That's why Yourasset's Collectors Leasing is the perfect solution. It allows me to access the tied-up equity in my watch collection and I can keep my watches!

Stephan Kolz

CEO & Founder of Yourasset AG

    Benefits of the Collectors Leasing

    Unlock the capital of your collection

    Use your capital for other purchases

    Keep your assets. You must not deposit them

    Use your capital for investments

    Attractive financing rates

    Continue financing your assets

    Frequently asked questions FAQ

    What are the requirements for applying for the Collectors Leasing?

    • You must be in possession of a Swiss Passport or have a C residence permit
    • You must have income from employment
    • The minimum value of your collection should exceed CHF 40'000
    • Each watch or bag must have an estimated value of at least CHF 5'000

    What is the interest rate on the Collectors Leasing?

    • Click on the (i) symbol and view the details
    • The interest rate is approximately 5.9 % p. a.

    Can I sell watches from my collection that are pledged for the Collectors Leasing?

    • Yes, that is possible in principle
    • You must inform Yourasset in advance and obtain our approval
    • Legally, ownership of your watches and bags remains with our financing partner for the duration of the Collectors Leasing
    • You can regain ownership of your assets at any time by repaying the Collectors Leasing

    What options do I have at the end of the Collectors Leasing term?

    • Yourasset will contact you at least 3 months before the end of the financing term
    • You can extend (roll over) the Collectors Leasing
    • You can sell your watch or bag to or via Yourasset. You receive the difference to the current market price
    • You can pay the residual value and take full-ownership again
    • You can financing the residual value and take full-ownership again

    The Collectors Leasing - a World Premiere

    Yourasset is proud to realize and to offer the Collectors Leasing together with its leasing partner in Switzerland. We already have plans to expand this service to Germany and other countries soon.

    Yourasset will soon introduce a leasing payment option alongside Collectors Leasing, which takes into account the value of luxury watches and luxury goods. Our customers will benefit from more attractive interest rates, higher financing volumes, and lower monthly payments/installments compared to an unsecured financing purchase (loan).

    Apply for your Collectors Leasing

    Are you interested to explore what your asset collection is worth and what the maximum financing amount is?

    Submit your Collection

    For question, write us to: collectors.leasing@yourasset.com