By Alexa Domash | May 14, 2026
Luxury assets are not just possessions; they are financial instruments that can provide immediate, confidential liquidity when structured correctly. Qollateral is the firm that makes this possible, faster and more securely than any alternative.
The worlds of finance and technology have changed significantly in recent years, and yet, so many of the institutions in these fields have remained mired in an outdated sense of traditionalism rather than embracing the new opportunities presented to them. Michael Manashirov and his company, Qollateral, saw the untapped potential in these markets and decided to take matters into their own hands, bringing about benefits for consumers everywhere.
Michael is a seasoned jewelry and diamond appraiser with extensive hands-on experience valuing high-value items like luxury watches, diamonds, estate jewelry, and precious metals. His career has given him deep insight into the differences between retail and wholesale valuation, as well as the liquidity challenges clients face when holding high-value physical assets, including collections featuring Patek Philippe, Audemars Piguet, Richard Mille, and other ultra-luxury brands.
This highly specialized expertise and his disappointment with the lack of mobility within the sector led him to co-found Qollateral. From the outset, Qollateral was envisioned as a BBB A+ rated firm designed to close the gap between asset ownership and immediate liquidity in a way that traditional lending services simply couldn’t. Instead of requiring clients to go through the entire selling process, Qollateral offered access to liquidity through same-day funding, nationwide insured overnight shipping, strict chain-of-custody procedures, and secure vault storage designed around a vault-within-a-vault structure. The firm currently operates out of Manhattan’s International Gem Tower, one of the most secure buildings in New York City, and stores all collateral assets in vaults insured by Lloyd’s of London.
“You shouldn’t have to liquidate your legacy to fund your future. We deliver capital with zero friction and absolute privacy,” says Michael.
Building a Better Way
Qollateral addresses a key market inefficiency that has been around for decades: individuals often hold significant wealth in physical assets but lack a fast, reliable way to access liquidity without selling them. Traditional financing can be slow and restrictive, while the only viable alternatives before Qollateral were things like pawn shops, which lack the qualities high-value clients are looking for.
Thus, Qollateral’s team has created a 5-star, VIP white-glove environment where every interaction is private, discreet, and fully confidential. Through these means, the firm is offering an integral service while also treating clients with respect and understanding. The goal has always been to combine deep asset expertise with institutional-level lending discipline across categories such as luxury watch loans, jewelry-backed loans, luxury handbag loans, and gold-backed loans.
“A five-star experience isn’t an upgrade for us, it’s the baseline. Every client, every asset, every time,” says Michael.
Use Cases
A recurring issue that many consumers face is needing immediate liquidity for time-sensitive opportunities, such as real estate acquisitions, business investments, or private transactions, and facing difficulties in acquiring it quickly enough to act on those opportunities. Traditional bank financing can take weeks, and the selling process associated with more traditional lending services can take even longer. Against that backdrop, luxury assets are increasingly being treated as legitimate financial instruments and alternative sources of working capital for high-net-worth clients, particularly when speed and discretion are priorities. Qollateral’s process is structured around that demand, enabling consumers to access liquidity when they need it. In many cases, clients can secure funding within hours of initial contact, allowing them to capitalize on time-sensitive opportunities without liquidating long-held assets or investment portfolios.
Qollateral offers same-day funding capability through wire transfer, cash, or check. The firm accepts asset categories such as luxury watches (Rolex, Patek Philippe, Audemars Piguet, Richard Mille, Cartier, Omega), fine jewelry, GIA-certified diamonds, rare colored gemstones, designer handbags (Hermès Birkin & Kelly, Chanel Classic Flap), gold bullion, and precious metals. Additionally, the firm also offers fast, secure loans against graded trading cards, including PSA, Beckett, and SGC. The company’s growing focus on nationwide luxury lending reflects broader demand for discreet, asset-backed liquidity solutions beyond traditional banking channels.
Moving Forward
If you are interested in exploring Qollateral’s services but don’t live near the firm’s location, you can still engage with them. Qollateral offers nationwide service via a fully insured, prepaid overnight courier, enabling virtual lending for clients anywhere in the U.S.
In the years to come, Qollateral aims to become the nationally recognized leader in luxury asset-backed lending, expanding its footprint beyond New York into key high-net-worth markets across the U.S., including Colorado, Florida, California, and beyond.
