Get an Offer

Book Appointment

Get an Offer

LUXURY ASSET LENDING

Unlock Liquidity From Your Luxury Watch — Securely & Confidentially

Sell or Hold (SOH) provides discreet collateral loans and acquisitions for premium timepieces across Canada.

Get an Offer

Book Appointment

How it works

How Our Asset-Backed Lending Works

Get an Estimate

Upload your watch details and receive a preliminary offer within 24 hours.

Hand holding a smartphone displaying a confidential watch loan estimate interface on a dark desk.

Professional Review

Our specialists authenticate and appraise your timepiece in person or via secure courier.

Watch specialist seated at a desk examining a luxury timepiece with tools in a dimly lit office.

Receive Funding

Loan funds issued same day. Watch stored in insured, climate-controlled vault.

Close-up of two people in suits shaking hands, one wearing a luxury watch, symbolizing funding approval.

What we offer

What We Offer

Watch Collateral Loans

Use your luxury timepiece as collateral for immediate capital — no credit check required.

Watch Collateral Loans

Use your luxury timepiece as collateral for immediate capital — no credit check required.

Professional Authentication

Every watch is verified by certified specialists using LegitGrails and Entrupy authentication protocols.

Professional Authentication

Every watch is verified by certified specialists using LegitGrails and Entrupy authentication protocols.

Secure Insured Storage

Your watch is stored in a climate-controlled, fully insured vault for the duration of your loan term.

Secure Insured Storage

Your watch is stored in a climate-controlled, fully insured vault for the duration of your loan term.

Confidential Funding

All transactions are handled with complete discretion. Your privacy is protected at every step.

Confidential Funding

All transactions are handled with complete discretion. Your privacy is protected at every step.

ACCEPTED TIMEPIECES

Trusted Timepiece Brands We Accept

start your offer

Get an Offer

Tell us about your timepiece and receive a confidential offer within 24 hours.

Tally Form Embed

private consultation

Schedule a Private Consultation

Meet with our specialists in person or virtually. No obligation, fully confidential.

Private & Confidential

In-person or Virtual

No Obligation

Client stories

What Our Clients Say

SOH gave me immediate liquidity without having to sell my Rolex. Fast, discreet, and completely professional."

M.T. — Montreal, QC

SOH gave me immediate liquidity without having to sell my Rolex. Fast, discreet, and completely professional."

M.T. — Montreal, QC

The authentication process was thorough and the loan terms were fair. I had funds in my account within 24 hours.

R.L. — Toronto, ON

I was skeptical at first, but the team was fully transparent throughout. My watch was returned in perfect condition.

J.B. — Vancouver, BC

I was skeptical at first, but the team was fully transparent throughout. My watch was returned in perfect condition.

J.B. — Vancouver, BC

YOUR SECURITY COMES FIRST

Built on Trust. Secured by Design.

Encrypted Submissions

All form data and personal information is encrypted end-to-end and never shared with third parties.

Insured Transport

Same-day secure courier with full insurance coverage from pickup to vault delivery.

Private & Confidential

Your transaction is never disclosed. We operate on a strict privacy-first policy for every client.

Montreal skyline at night with city lights reflecting in the water

ABOUT SOH CAPITAL

We Bridge the Gap Between Illiquid Assets and Immediate Capital

Founded in Montreal, SOH, standing for Sell or Hold, was built for individuals who own exceptional timepieces and need discreet, fast access to liquidity — without the permanence of a sale.

Our team combines expertise in luxury asset valuation, secured lending, and private wealth management to deliver a service that is as refined as the watches we work with.