Lending Terms & LTV by Sector
Why LTV Varies by Sector
Loan-to-value ratios reflect the risk profile of each asset class. Collectibles like Rolex watches have deep secondary markets with transparent pricing and fast resale — a liquidated watch can be sold within days. That earns a 45% LTV cap. In contrast, intellectual property like a patent portfolio has highly uncertain valuation, limited liquidity, and long sales cycles — hence a 20% LTV cap. The platform adjusts LTV within each sector's cap based on individual asset documentation, verification confidence, and market conditions.
LTV Caps by Sector
The current LTV caps are: Collectibles & Luxury 45%, Automotive 40%, Real Estate 35%, Energy 35%, Robotics & Industrial 35%, Healthcare Equipment 30%, Agriculture & Commodities 30%, and Intellectual Property 20%. These caps represent the maximum available — actual LTV for a specific asset may be lower depending on condition, documentation completeness, and Boss Vision confidence score.
How to Maximize Your Borrowing Power
Three factors increase your actual LTV within the sector cap. First, documentation: complete provenance history, receipts, certificates of authenticity, and third-party appraisals all increase the platform's confidence in valuation accuracy. Second, verification score: higher Boss Vision confidence (90%+ vs 70%) allows borrowing closer to the cap. Third, condition: mint or excellent condition assets receive higher LTV than fair or poor condition items.
Special Cases
Some asset subcategories receive modified LTV treatment. Vehicles with salvage or flood titles get a reduced LTV (typically 15-20% below the standard automotive cap). Intellectual property with active litigation is ineligible for lending entirely. Real estate in flood zones or with environmental issues receives reduced LTV. These adjustments protect both borrowers and lenders from overvaluation risk in edge cases.
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