Private Wealth Division

Sophisticated lending for extraordinary lifestyles

Sterling Gap provides discreet, high-touch financing solutions for high-net-worth individuals. From luxury asset acquisition to portfolio-backed liquidity, we deliver institutional expertise with the privacy and personalization you expect.

Request Private Consultation Call Wealth Advisors

Home›Private Wealth Loans

Private Client Services

Capital solutions designed for complexity

High-net-worth individuals face unique financial challenges illiquid assets, complex portfolios, and time-sensitive opportunities. We specialize in creating lending structures that unlock liquidity without disrupting your investment strategy or lifestyle.

The Private Wealth Advantage

Unlike traditional private banks with rigid underwriting, Sterling Gap evaluates your complete financial picture including alternative assets, future income streams, and portfolio diversity. This holistic approach means faster approvals, more flexible terms, and structures that actually work for your situation.

Our dedicated wealth advisors provide white-glove service from initial consultation through closing, ensuring complete discretion and seamless execution at every step.

$500M+

Private client capital deployed

72hrs

Average decision timeline

$1M–$50M

Loan facility range

100%

Confidential & discreet

Wealth Lending Solutions

Tailored facilities for sophisticated clients

Whether you're acquiring a yacht, financing a private aircraft, or leveraging your investment portfolio, we structure loans that preserve your liquidity and optimize your tax position.

Luxury Asset Financing

Acquire yachts, private aircraft, classic cars, and fine art with specialized lending structures designed for high-value tangible assets.

Up to 80% LTV on qualifying assets
Terms up to 15 years
Interest-only options available
Global asset acquisition support

Securities-Backed Lines

Unlock liquidity from your investment portfolio without triggering capital gains. Access cash while maintaining your market position.

Up to 90% LTV on diversified portfolios
Competitive SOFR-based rates
Instant access to funds
No forced asset liquidation

Jumbo & Bridge Financing

Acquire luxury real estate or bridge between properties with flexible terms designed for high-value residential transactions.

Loans from $1M to $25M
Foreign national programs
Asset-depletion qualification
Rapid 21-day closings

Art & Collectibles Financing

Leverage your fine art, rare wines, vintage watches, and other collectibles as collateral for liquidity without selling.

Expert appraisal coordination
50-70% LTV on authenticated pieces
Climate-controlled storage options
Estate planning integration

Acquisition & Bridge Capital

Seize time-sensitive investment opportunities with rapid bridge financing for business acquisitions or real estate deals.

48-hour preliminary decisions
Flexible collateral structures
Interest reserve options
Seamless permanent financing conversion

Estate & Trust Solutions

Provide liquidity for estate taxes, trust distributions, or wealth transfer strategies without disrupting long-term holdings.

Estate tax bridge loans
Trust-backed facilities
Multi-generational planning support
Coordination with legal counsel

Luxury Asset Expertise

Financing the exceptional

Our specialized underwriting team understands the unique value drivers and market dynamics of luxury assets, ensuring accurate valuations and appropriate loan structures.

Yacht & Marine

From coastal cruisers to superyachts, we structure financing for new builds and acquisitions with terms that match vessel specifications and intended use.

Aviation Finance

Private aircraft acquisition and refinancing with structures designed for Part 91 and charter operations, including tax optimization strategies.

Fine Art & Collectibles

Leverage blue-chip art, rare wines, vintage automobiles, and jewelry with discreet financing that respects the cultural and financial value of your collection.

Luxury Real Estate

Jumbo mortgages and bridge loans for primary residences, vacation homes, and investment properties in premier domestic and international markets.

Client Success Stories

Discretion meets results

Real outcomes for private clients who demanded excellence, speed, and absolute confidentiality.

"Sterling Gap structured a $12M securities-backed line that allowed me to acquire a waterfront property without liquidating my equity positions. The speed and professionalism were exceptional they understood the urgency and delivered in 18 days."

Michael R.

Technology Executive • Portfolio: $85M

"We needed bridge financing for a rare manuscript acquisition at auction. Sterling Gap's team coordinated appraisals, structured the loan, and wired funds within 72 hours. They truly understand alternative assets."

Elizabeth T.

Private Collector • Art & Rare Books

"After being turned down by three private banks for yacht financing, Sterling Gap approved a $6.5M facility in one week. Their understanding of marine assets and flexible underwriting made all the difference."

James K.

Investment Fund Manager

"The estate tax bridge loan from Sterling Gap gave our family the liquidity we needed without forcing a fire sale of our business interests. They worked seamlessly with our attorneys and provided clarity throughout."

Patricia M.

Family Office Principal

The Private Process

White-glove execution from inquiry to funding

Our dedicated wealth advisors manage every detail with the discretion and precision your financial complexity demands.

1. Confidential Consultation

Schedule a private meeting with our wealth division to discuss your objectives, asset profile, and timeline. All inquiries are held in strict confidence.

2. Structuring

We analyze your complete financial picture and craft a lending solution optimized for your tax position, cash flow, and long-term wealth strategy.

3. Expedited Execution

Our specialized underwriting team delivers rapid decisions, while dedicated closing coordinators ensure seamless documentation and funding.

Private Client Priority: Qualified high-net-worth individuals receive dedicated relationship management, priority underwriting queues, and 24/7 access to senior wealth advisors.

Why Sterling Gap

The private bank alternative

We combine the sophistication of institutional lending with the agility and personalization of a boutique firm without the rigid requirements of traditional private banks.

Relationship-driven, not transaction-focused

Your dedicated wealth advisor becomes a long-term partner, understanding your evolving needs and proactively identifying opportunities to optimize your capital structure.

Direct access to decision-makers, not call centers
Flexible underwriting that considers your full financial picture
Coordination with your CPA, attorney, and wealth managers
Ongoing portfolio reviews and refinancing opportunities
Global transaction support and multi-currency facilities

Speak with Wealth Division