Asset Backed Loans is Now Live - Release Equity. Retain Ownership. Reimagine Liquidity
UK Boutique Lender Launches £25,000 – £2 Million Asset-Backed Loans for High Net Worths and Business Owners
LONDON, UK — November 2025 — A new British lender is redefining the way high-net-worth individuals and business owners access short-term capital. Asset Backed Loans Ltd, founded by father-and-son team Paul Hilburn and Taylor Hilburn, has launched a specialist range of asset-backed loans from £25,000 to £2 million, with funds often released within 24 hours against luxury cars, supercars, classic vehicles, and fine watches.
Positioned as a boutique collateral-lending firm serving clients across the UK, Asset Backed Loans offers what it calls “fast, discreet and flexible liquidity for people who value both time and privacy.”
It provides asset-equity release for those looking to pawn your car or pawn your watch without parting ways with their prized possessions — an elegant alternative to conventional banking or pawnbroking.
With more than 20 years of consumer-credit expertise and over £50 million in completed lending, the Hilburns combine deep industry knowledge with a personal, family-run ethos. Their clients include entrepreneurs, investors, collectors and professionals who seek rapid, relationship-driven finance backed by tangible assets rather than credit scores.
“Traditional lenders can take weeks to make decisions,” says Taylor Hilburn, Director. “Our clients don’t have that luxury. Whether it’s a Ferrari or a Patek Philippe, we can usually fund a loan within 24 hours — sometimes within the same working day.”
Part One – Speed, Service and the Personal Touch
A Boutique Approach to Collateral Lending
While online pawnbrokers focus on volume, Asset Backed Loans focuses on relationships. Every enquiry is handled directly by senior decision-makers — most often Paul or Taylor Hilburn themselves. There are no automated responses, offshore call centres or lengthy credit checks.
Clients start with a simple, confidential valuation request via WhatsApp or the website. The firm’s in-house specialists then assess the asset and provide an indicative offer, usually within hours. Once accepted, the asset is collected securely, inspected, and funds are transferred straight to the client’s account.
The company’s promise is bold yet simple: “Release up to £2 million in 24 hours.”
For busy entrepreneurs managing cashflow gaps or investors chasing opportunities, that speed can make all the difference.
“We built Asset Backed Loans around a single principle,” explains Taylor Hilburn, “When people’s capital is tied up in valuable assets, they shouldn’t have to sell to access liquidity. We make those assets work harder for them.”
Core Offering – Asset-Equity Release on Cars and Watches
Luxury and Supercars
The UK’s appetite for luxury and performance vehicles shows no sign of slowing — but many owners prefer to retain their cars while unlocking their value. Asset Backed Loans specialises in high-end marques such as Ferrari, Lamborghini, Bentley, Aston Martin, Porsche, Rolls-Royce and McLaren.
Clients can pawn their car without public exposure: vehicles are collected in unmarked, fully-insured carriers and stored in climate-controlled facilities for the duration of the loan.
The process involves:
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Initial appraisal and offer (often same-day).
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Collection and inspection by automotive specialists.
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Immediate fund transfer on completion.
Loans typically range from £25,000 to £2 million, depending on the car’s market value and provenance.
The owner retains legal ownership and, once the loan is repaid, the vehicle is returned in identical condition.
“Our clients see their cars as investments,” says Taylor Hilburn. “They’d rather release equity than lose an appreciating asset. For them, this is intelligent finance.”
Fine Watches
The market for collectible timepieces has surged, making watches a new frontier for collateral lending. Asset Backed Loans offers same-day finance on brands such as Rolex, Patek Philippe, Audemars Piguet, Richard Mille and Omega.
Those looking to pawn their watch can release between £25,000 and £250,000, depending on rarity and condition.
Each timepiece is authenticated, appraised and photographed before being held in a secure, fully-insured vault. Clients can redeem their watch at any point by settling the loan early, with no penalties.
For collectors who prefer privacy, this provides a discreet route to asset-equity release — converting craftsmanship into cashflow while keeping ownership intact.
Other High-Value Assets
Beyond cars and watches, the lender considers other tangible assets such as fine jewellery, art, or unencumbered property, evaluated case by case. The goal is flexibility: if the asset has value, the team will structure a bespoke lending solution around it.
Why the Personal Element Matters
Paul Hilburn’s background spans two decades in specialist consumer credit and vehicle finance, while Taylor represents a new generation of relationship-driven entrepreneurs. Together, they blend experience with approachability.
“Every loan is personal,” says Paul. “We speak directly with clients, understand their timeline, and build trust from day one. That’s rare in finance today.”
Their family-run model allows same-day decision-making, competitive loan-to-value ratios, and genuine discretion — all qualities appreciated by high-net-worth clients who value privacy as much as speed.
Redefining Luxury Asset Finance in Britain
The Rise of Collateral Lending
The concept of borrowing against tangible assets is centuries old, yet the modern asset-backed lending market is evolving rapidly. Post-pandemic liquidity pressures, volatile markets and higher interest rates have driven affluent individuals to explore alternative finance routes that bypass traditional institutions.
In this landscape, Asset Backed Loans represents the new face of luxury asset finance — merging the professionalism of private banking with the agility of a boutique lender.
Unlike conventional loans, collateral lending bases its risk on the asset, not the borrower’s credit history. This means no credit checks, no lengthy forms, and no impact on credit ratings. For many clients, that privacy and simplicity are as valuable as the funds themselves.
Use Cases – How Clients Apply the Funds
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Business Expansion: Entrepreneurs release equity from a classic car or a Rolex collection to fund a new venture.
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Bridging Cashflow: Property investors secure a short-term £500K facility using a luxury vehicle as collateral while waiting for a sale to complete.
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Investment Opportunities: Collectors capitalise on market dips, using a watch-backed loan to acquire undervalued assets.
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Personal Liquidity: HNWIs fund tax payments, renovations or family commitments without liquidating long-term holdings.
Each case highlights the strategic nature of asset-equity release — liquidity without loss.
Why Asset Backed Loans Stands Out
| Feature | Benefit |
|---|---|
| Loans from £25K–£2M | Tailored to luxury-asset owners |
| Funds within 24 hours | Rapid response for urgent needs |
| No credit checks | Confidential & off-record |
| Early repayment flexibility | No penalties or restrictions |
| Secure storage | Climate-controlled, insured facilities |
| 20 years’ experience | £50 million in previous lending |
| Family-run approach | Genuine personal service |
These elements, combined with the founders’ proven background, have positioned Asset Backed Loans as a trusted alternative to conventional pawnbroking. Clients who once searched online for “pawn my car” or “pawn my watch” are now finding a premium, private experience designed for the modern luxury-asset owner.
The 24-Hour Advantage
Speed remains the firm’s hallmark. In many cases, from the first call to cleared funds takes less than a day.
That pace appeals to corporate clients managing deals under time pressure — where a missed window can mean losing a major opportunity.
The company attributes this efficiency to a streamlined, in-house decision process. No committees, no third-party brokers — just direct assessment and instant approval authority.
“We’re built for immediacy,” notes Taylor Hilburn. “If the asset checks out, we act. It’s that simple.”
Professionalism, Not Pawnbroking
Although phrases like pawn your car and pawn your watch help clients find the service online, the reality is far removed from the traditional image.
Asset Backed Loans provides private consultations, professional documentation, and fully regulated storage and insurance arrangements.
Every transaction is treated with discretion and care, protecting both the client’s asset and their reputation.
A Family Name Built on Trust
With decades in consumer finance, Paul Hilburn has cultivated relationships built on fairness and integrity. His son Taylor brings a forward-thinking perspective, focusing on digital communication and high-net-worth client management.
Together, they’ve established Asset Backed Loans as a trusted, family-run lender that blends traditional values with modern efficiency — a rare combination in today’s fast-paced financial world.
The Broader Vision
Looking ahead, the Hilburns intend to expand their network of valuers and introduce dedicated partnerships for car dealerships, private banks and watch retailers. The goal: to make asset-equity release as seamless as arranging a bank transfer — but faster, and far more personal.
“We see ourselves as problem-solvers,” says Taylor. “When clients call us, they need a solution now — not in two weeks. That’s what we deliver.”
At a Glance — Asset Backed Loans Ltd
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Loan Range: £25,000 – £2,000,000
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Core Assets: Luxury Cars | Classic Cars | Supercars | Fine Watches | High-Value Assets
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Funding Time: Typically within 24 hours
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Loan Term: Flexible – with early repayment options and no penalties
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Experience: 20 Years in Consumer Credit | £50M+ Lent to Date
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Coverage: Nationwide UK Service
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Focus Keywords: asset-backed loans UK, pawn your car, pawn your watch, asset equity release, collateral lending London, loans on cars over £25K, loans on watches over £25K, luxury asset finance
Contact Information
Asset Backed Loans Ltd
📍 London, United Kingdom