A private lending program for qualified investors seeking predictable monthly income without stock market volatility. Secured by rare physical assets — fine art, rare coins, vintage wine, and authenticated memorabilia — held in independent institutional custody. $150,000 minimum. New allocations open on an ongoing basis.
Book Your Call →A 20-minute confidential call with our investor relations team. We walk you through the structure, the safeguards, and current allocation availability — and you decide if it's a fit for your situation.
After submitting, you'll be taken directly to the calendar to pick a time. Confidential. Accredited investors only.
The investors we work with don't have a money problem. They have a yield problem. They've built capital across careers, businesses, and disciplined investing — and they're watching it produce returns that no longer reflect the work it took to earn it.
Capital in a savings account or GIC earns four to five percent — most of which inflation absorbs. After tax, the real return is approximately zero. Capital that isn't compounding is quietly losing purchasing power every month.
Equity returns require a sale to materialize. Dividends average two to three percent. Volatility is high and rising — and the market does not always cooperate with your timing. A portfolio that only produces income when you liquidate it is not actually producing income.
Rental yields are compressed. Financing is expensive. Disposition takes months. The asset class that built most family wealth is no longer the asset class that grows it. A second job dressed up as passive income — and rate-sensitive at exactly the wrong moment.
Predictable monthly income. From capital that is actually working. Without the rate exposure, the market exposure, or the management burden.
Same structure, same security, same monthly payment cadence. The only difference is how long your capital is committed — and the rate that comes with it.
Five years deployed. $338M placed. Zero principal lost.
Last year, the program performed as designed.
Private lending against rare physical assets is a $40 billion segment of the global private credit market. The mechanics are simple: a holder of high-value physical assets needs short-term capital. They pledge the assets as collateral, borrow against a portion of their appraised value, and repay the loan from cash flow, business proceeds, or a future sale.
Until recently, this market was the private domain of family offices, sovereign wealth funds, and the private banking arms of major institutions. Access required relationships built over decades and minimum allocations of several million dollars. The category was not advertised. It was not packaged. It was reserved for clients already inside the room.
Four of the institutions whose clients have access. None of them publish their rates. None accept allocations below several million dollars.
Our program operates within the same category, with the same custody architecture, the same collateralization discipline, and the same fundamental mechanics. The only meaningful difference is who is invited in.
These are not subprime borrowers. They are high-net-worth individuals with significant existing assets who need capital faster than a bank can move. They pay a premium for speed and discretion — and they pledge collateral worth substantially more than they borrow. That premium is your yield.
Sophisticated principals with strong balance sheets and bankable credit, who need capital in days, not months — to close a real-estate acquisition, fund a business buyout, or move on a time-sensitive deal. They could qualify for bank financing. They don't have the time.
Discerning collectors moving on rare acquisitions with finite windows — auction wins, estate sales, private offerings. Their existing collections are appreciating assets they have no intention of liquidating. Borrowing against them is the disciplined move; selling them would trigger a tax event and a strategic loss.
Proven dealers with established track records and existing inventory, who need working capital to act on inventory opportunities as they appear. The market moves in days; their bank's credit committee moves in months. Our capital lets them stay ahead of it.
Every pledged asset is authenticated, appraised, held, stored, and insured by independent third parties operating in their own name. Each mechanic plays a single, specific role. Each was selected because they are the recognized standard in their category.
Authentication is performed by recognized third-party specialists — PCGS for rare coins, established gallerists and forensic art experts for fine art, accredited cellar valuers for vintage wine. These are the same authorities the global auction houses rely on. They confirm the asset is genuine, in the condition represented, and matches the description.
Appraisal is performed by separate accredited valuers — auction-tested specialists in each asset category, the same names used by Sotheby's, Christie's, and major insurance underwriters. Their independent valuation is what determines the loan-to-value, and it sits in the loan file as a third-party document for the life of the loan. If the appraisal doesn't support the loan size at 65% LTV or better, the loan doesn't fund. Period.
With authentication and appraisal complete, the asset is then transferred into the sole control of Kroll, our independent global trustee. Kroll confirms physical receipt, reconciles the asset against the authentication and appraisal reports, and only then issues a custody certificate. That certificate is the trigger that releases funds to the borrower.
From that point forward, Kroll holds the collateral in its own name on behalf of investors. Any movement, substitution, or release requires Kroll's written authorization in accordance with the loan documentation — an authorization Kroll grants on behalf of investors, not on behalf of AMA. The custody structure is designed to be self-operating: if for any reason AMA ceased to function, Kroll would continue to hold and enforce the collateral on behalf of investors under the existing documentation, with no further action required from AMA.
Under Kroll's direction, the physical asset is placed into the secure custody of Brinks Global Services — the specialist division that handles fine art, rare coin, and high-value collectible storage for central banks, major museums, and auction houses globally. Climate-controlled vaults, continuous chain-of-custody documentation, audited holding statements. Brinks operates under direct instruction from Kroll, the legal custodian of the asset.
From the moment of custody transfer, every pledged asset is insured at full appraised replacement value through a syndicate at Lloyd's of London — the global standard for fine-art and high-value collectible coverage. Theft, damage, fire, transit, casualty. The borrower pays the premium as part of the loan terms; investors in the affected loan are the named beneficiaries. The physical asset securing your loan is protected, regardless of what happens to it.
Your capital is never advanced against a promise. It is only advanced against an asset that has been independently authenticated, appraised, and taken into custody by a global trustee on your behalf.
Four mechanics, four independent jobs. Specialists authenticate and appraise. Kroll verifies and controls. Brinks stores. Lloyd's insures the underlying asset against physical loss. The structure operates on its own legal documentation, independent of AMA. Across $338M deployed over five years, no investor has lost a dollar of principal.
The program is already operating. Your capital steps into deals that are underwritten, structured, and ready. Most allocations are deployed within five business days.
Three representative loans funded in 2024–2025. Borrowers are anonymized; loan structures, collateral, and outcomes are real.
The story: A third-generation numismatist had been building a complete type-set of 19th-century U.S. gold coinage for over a decade. When the final piece he needed — an 1854-S Half Eagle, one of only three known to exist — came to private sale, he had 21 days to close. He pledged a $265K segment of his existing PCGS-graded collection (held in custody at Brinks USA) as collateral to acquire the missing piece without selling at unfavorable timing.
Investor Outcome 12 monthly distributions of $2,000 Total interest earned: $24,000 Principal returned at maturity: $150,000
The story: A successful manufacturing CEO was acquiring a competing business in a strategic roll-up. The deal was sized to his liquid capacity but the close date was tighter than his bank's bridge-financing committee could approve. Rather than miss a multi-generational acquisition, he pledged two post-war modern works from his personal collection — independently appraised at $780,000 combined, transferred to Brinks New York for the duration of the loan.
Investor Outcome 12 monthly distributions of $6,000 Total interest earned: $72,000 Principal returned at maturity: $450,000
The story: A boutique wine merchant in London was offered the entire cellar of a deceased European industrialist — 1,240 bottles spanning Domaine de la Romanée-Conti, Domaine Leroy, Pétrus, and first-growth Bordeaux from the 1961–1990 vintages. The estate required a single buyer and a 60-day close. He pledged the cellar itself as collateral — transferred to Brinks under Kroll's sole control in a temperature-regulated bonded warehouse — funding the acquisition while he placed individual lots to private clients over 18 months.
Investor Outcome 18 monthly distributions of $27,000 Total interest earned: $486,000 Principal returned at maturity: $1,800,000
This is what your capital is funding. Sophisticated borrowers, specific collateral, conservative LTVs.
Adjust the amount and term below. See your monthly income and total return at maturity.
By default, the income from this program is treated as interest. Our structure permits the full distribution to be treated as capital gains — taxed at roughly half the rate. The approach is supported by formal legal opinions on file.
A note on the numbers: Figures above use current combined federal-provincial top marginal rates for an Ontario resident (53.53% on interest income, 26.77% on capital gains). Other provinces and tax situations will produce different absolute numbers but a similar ratio. The capital gains treatment is supported by formal legal opinions on file. Specific application to your situation requires review with your own tax advisor. This is not tax advice.
The program was not built to raise capital. It was built because our existing clients ran us out of our own.
AMA Collects has been a global dealer in investment-grade collectibles for seventeen years and $1.7 billion in lifetime transactions. We don't simply transact with our clients — we advise, source, and place pieces on their behalf. Relationships span decades.
Seven years ago, those same clients began coming to us for capital. Their banks could not move at the speed they needed. Selling pieces to free cash would have triggered tax events and forfeited future appreciation. We lent the capital from our own balance sheet. The first loan was $340,000, returned in 11 months with $54,000 in interest. The borrower referred two more.
Two years in, deal flow exceeded our own capital. We faced a choice: turn down our clients, or bring in outside investors. We brought in investors. Five years later: $338M deployed, $65.9M paid, zero principal lost. The program continues to accept new allocations on an ongoing basis.
Every loan is structured at a conservative loan-to-value ratio, typically 60%. A $300,000 loan is secured by at least $500,000 of independently appraised collateral — the asset is always worth substantially more than the money advanced against it.
That collateral is taken into custody by Kroll, LLC (independent global trustee with $400B+ in fiduciary assets under oversight) before any funds are released to the borrower, stored physically at Brinks Global Services, and insured at full appraised value by Lloyd's of London.
Critically, the collateral does not sit on AMA's balance sheet. If AMA ceased operating tomorrow, Kroll would continue to hold and enforce the collateral on behalf of investors under the existing loan documentation. Across $338M deployed over five years, no investor has lost a dollar of principal.
By default, the income is taxed as interest income at your marginal rate.
For qualifying investors and certain corporate structures, we may be able to structure the allocation for capital gains treatment, materially reducing the effective tax rate. Eligibility depends on your specific circumstances — residency, corporate structure, and other factors — and is walked through on the briefing call.
Allocations are fixed-term commitments of 12 or 18 months. Early withdrawal is not standard — the structure works because the term of your allocation matches the term of the underlying loan being funded.
This is intentional. The 16–18% returns are a premium for committing capital for a defined window. If you may need access to this capital before maturity, this program is not the right fit, and we'll tell you that on the call. At maturity you may renew at the prevailing rate, withdraw principal in full, or step up your allocation.
Every loan is structured at a maximum 65% loan-to-value. If a borrower misses a payment, the loan enters a 10-day cure period — most situations are resolved within that window through borrower payment or refinancing.
If the loan is not cured, the collateral enters a structured enforcement process, with Kroll directing the sale and distribution of proceeds to investors first. Even at a substantial discount on sale, investor principal is recovered before any other party receives a dollar. Across $338M deployed over five years, no investor has lost principal.
A senior member of our investor relations team will personally contact you to confirm the conversation. The call is 20 minutes, confidential, and direct. You'll see current allocation availability, review the actual custody and loan documentation, and have direct answers to anything you or your advisors need to ask.
No call centre. No junior representatives. No scripted intake. If by the end of the 20 minutes the program is not a fit for your position, you walk away without follow-up.
A confidential, direct conversation with our investor relations team. We walk through the structure, the safeguards, current allocation availability, and any specifics relevant to your situation.
If the program is a fit, we have everything we need to begin documentation that week. If it isn't, you walk away — no follow-up.
Confidential. We respond within one business day.
Confidential. No follow-up unless requested.