Property
Residential, commercial & bridging finance against title deed.
Up to 60% LTV
Asset-Backed Lending · South AfricaUnlock Cash Against
Unlock Cash Against
Your Assets — Fast & Secure.
LT Capital offers quick asset-backed loans from R100,000. Get funds in days, not weeks. No lengthy bank approvals.
Same-day funding
NCR Registered
Insured Vault
R100k+
Minimum loan
Up to 60%
Loan-to-value
3–60 mo
Flexible terms
4–5% p/m
Competitive rate
Process
From asset to cash — in four steps.
01
Enquire
Submit your details online or call our team to start.
02
Valuation in Minutes
Our experts assess and value your asset on the spot.
03
Sign & Secure Asset
Bring your asset to our secure, insured facility and sign documents.
04
Money Transferred
Funds released directly to your account — same day.
Loan Calculator
See your numbers in seconds.
Adjust the values below to estimate your monthly repayment based on a 60% LTV against your asset.
Asset Value (ZAR)
Loan Amount (60% LTV) — R 1 200 000
Subject to physical inspection & valuation.
Loan Term — 12 months
3 mo60 mo
Interest Rate — 4.50% per month
4.00%5.00%
Your Estimate
Monthly Repayment
R 131 599
Total Repayment
R 1 579 193
Total Interest
R 379 193
Apply for R 1 200 000
This is an estimate. Final terms subject to credit assessment and asset valuation.
Products
Lend against what you already own.
Six asset classes. One discreet, professional process — backed by NCR-registered compliance.
Vehicles
Loans against luxury cars, boats and aeroplanes.
Up to 60% LTV
Luxury Watches
Rolex, Patek Philippe, AP, Richard Mille & more.
Up to 60% LTV
Jewellery
Diamonds, gold and certified high-value pieces.
Up to 60% LTV
Fine Art
Blue-chip and contemporary works by listed artists.
Up to 60% LTV
Aviation
Private jets, helicopters and registered aircraft.
Up to 60% LTV
Business FinanceProperty Bridging FinanceDevelopment Finance
Insured Vault Storage
Movable assets are stored in our secure, fully insured facility with 24/7 monitoring.
Asset Released on Repayment
Once your loan is fully settled, your asset is immediately returned to you.
NCR Registered & Compliant
Fully regulated under the National Credit Act. Confidential & discreet at every step.
Referral Partner Program
Earn with LT Capital.
Refer qualified clients and earn attractive referral fees on every successfully completed deal. Discreet, transparent and paid on settlement.
Become a Partner TodayOpen to
- Attorneys
- Conveyancers
- Property Brokers
- Financial Advisors
- Accountants
- CFOs
Clients
Trusted by South Africa's high-net-worth.
“LT Capital funded my expansion in 48 hours using my company vehicles as security. Discreet, fast, professional.”
Sipho Dlamini
Business Owner, Sandton
“I needed liquidity without selling my Patek collection. The valuation was fair and my pieces were stored in a proper vault.”
Charles van der Merwe
Watch Collector
“Bridging finance against my title deed came through before the banks even returned my call. A game-changer.”
Lerato Mokoena
Property Developer
“They understood aviation collateral better than any other lender I approached. Terms were exactly as quoted.”
Capt. James Visser
Charter Pilot
“Handled my contemporary collection with museum-grade care. I had funds in my account the same afternoon.”
Margot Reinhardt
Art Collector
Frequently Asked
Everything you'd want to ask.
Luxury watches, vehicles, aircraft, boats, fine art, jewellery, property and other high-value movable assets. If it holds value and we can verify it, we can usually lend against it.
Apply
A simple, confidential application.
Tell us about your asset and we'll come back to you within hours with an indicative offer.
- Minimum loan: R100,000
- Must demonstrate ability to service monthly repayments
- All enquiries treated strictly confidentially