A non-purpose loan backed by assets most lenders overlook, so you can raise capital without letting go of what you own.
Illustrative loan
up to · advance rate
Borrow against the appraised value of your asset.
asset value
$1,000,000
available capital
up to $600,000
ownership
Retained
purpose
Your choice
how it works
Three steps from what you own to capital in hand.
A non-purpose loan lets you pledge an asset as collateral and borrow against its value, while you keep ownership and put the proceeds toward whatever you choose.
01 value
Bring us the assets
Tell us what you’d like to borrow against. We assess and appraise it, then set an advance rate based on the asset’s value, liquidity, and how well it holds worth.
02 value
We structure the loan
Every asset is different, so every loan is too. We propose terms built around your collateral: the amount, the rate, and a repayment shape that fits.
03 value
Put the capital to work
Draw your funds and use them for nearly any purpose. Repay on the agreed terms and reclaim your unencumbered asset at the end.
what we lend against
Collateral that doesn’t fit a standard form.
Most lenders want a house or a stock portfolio. We look wider. If an asset holds durable, appraisable value, it’s worth a conversation.
01
Fine art & collectibles
Blue-chip works, rare objects, and collections with an established market.
02
Investment holdings
Marketable securities and other portfolio positions pledged as collateral.
03
Real estate
Residential and commercial property, including holdings that sit outside conventional underwriting.
04
Private equity
Stakes in private companies and fund interests with demonstrable value.
why bowery
Bring us the assets
We don’t force your collateral into a template. Amounts, rates, and repayment are structured around what you actually pledged.
Move quickly
Real diligence, without the runaround. We give clear answers on what’s possible so you can plan around a real decision.
Clear on the terms
You’ll know the advance rate, the cost, and what happens if values move, spelled out before you sign anything.
A short conversation is all it takes to review your asset and outline what’s possible — no obligation.
