In short
Specialty asset financing is funding for high-value or unconventional assets outside standard lending, such as yachts, aircraft, exotic and recreational vehicles, equipment, ADUs, and barndominiums. Because these assets don't fit typical programs, they're financed through specialized and private lenders who understand the asset's value and risk.
Reviewed by Christian Penner, NMLS #368289 · Last updated July 7, 2026
What is specialty asset financing?
Specialty asset financing is funding for high-value or unconventional assets that fall outside standard mortgage and consumer lending, such as yachts, aircraft, exotic and recreational vehicles, business equipment, and non-traditional properties like ADUs and barndominiums. Because these assets don't fit a typical loan program, they're financed through specialized and private lenders who understand the asset, its value, and its risks. It's an umbrella for many one-off financing needs that require a tailored structure.
Key takeaways
Some of the most valuable assets people own are the ones traditional lenders shy away from. Yachts, aircraft, exotic vehicles, equipment, and unconventional properties all take specialized financing and a lender who understands them. Our team helps clients across the communities we serve finance these specialty assets by tapping a broad network of lenders and private capital. We specialize in loans that are tough to close, and this is where that reputation was built.
When the Asset Doesn't Fit the Box
Traditional lenders like assets they can easily categorize. A yacht, a light aircraft, an exotic car, a barndominium, or a piece of specialized equipment doesn't fit neatly into a standard program, so most banks pass. That's exactly the gap our team fills. We connect clients to lenders and private capital that understand unconventional and high-value assets. Where other lenders stop, we keep working.
Assets We Help Finance
This umbrella covers a wide range of specialty needs, including:
- Yachts and boats — Marine vessels of significant value
- Aircraft — Private and light aircraft
- Exotic and luxury vehicles — High-value automobiles
- RVs and recreational vehicles — Motorhomes and towable units
- Equipment — Business and specialized equipment
- ADUs — Accessory dwelling units added to a property
- Barndominiums — Barn-style and non-traditional homes
- Other unique assets — If it's high-value and unconventional, ask us
Why It Takes a Specialist
Each of these assets carries its own valuation, depreciation, and risk profile, and financing them well means matching the asset to a lender who genuinely understands it. A generic lender either declines or misprices the risk. We shop a broad network to find the one whose program actually fits, then package the file to present the asset and your profile clearly.
Structures That Fit
Depending on the asset, financing might be secured by the asset itself, by real estate equity, or through a private lender's tailored program. We compare the options so the structure fits both the asset and your broader financial picture rather than forcing a square peg into a round hole.
A Client-for-Life Approach
Many specialty needs are one-off, but the relationship isn't. We aim to be the team you call the next time something unconventional comes up, because we've already proven we can close it.
Let's Finance It
Whatever the asset, bring it to us and our team will find out whether we can structure the financing. Let's find the best path forward.
All program details and figures on this page are illustrative examples for general education only and are not an offer to lend. Program availability, pricing, and guidelines vary and are subject to change. Contact our team for current details specific to your situation.
Quick facts
- Program type
- Umbrella specialty asset financing
- Assets covered
- Yachts, aircraft, exotic/RV vehicles, equipment
- Also covers
- ADUs, barndominiums, and other unconventional properties
- Lenders
- Specialized and private capital
- How it's secured
- The asset, real estate equity, or a tailored program
- Terms
- Vary widely by asset — ask for current figures
Is this loan right for you?
Who it's for
- Buyers of yachts, aircraft, or exotic and luxury vehicles
- Owners financing RVs, recreational vehicles, or specialized equipment
- Homeowners building an ADU or a barndominium
- Clients with a high-value, unconventional asset banks won't finance
- Anyone who needs a tailored, one-off financing structure
Who it may not fit
- Buyers of standard assets that fit conventional loan programs
- Assets whose value or risk can't support financing under any program
Pros and cons
Pros
- Finances assets that traditional banks won't touch
- One umbrella for yachts, aircraft, vehicles, equipment, and unconventional homes
- Matched to lenders who understand each asset's value and risk
- Flexible structures secured by the asset, equity, or private capital
- A client-for-life team for future unconventional needs
Trade-offs to weigh
- Terms and pricing vary widely by asset and lender
- Specialized underwriting means each asset needs its own review
Frequently asked questions
What kinds of assets can you finance?
A wide range, including yachts, aircraft, exotic and recreational vehicles, business equipment, ADUs, and barndominiums. If it's high-value and unconventional, bring it to us and we'll find out whether we can structure the financing.
Why won't a regular bank finance these?
Specialty assets have unusual valuation, depreciation, and risk profiles that don't fit standard programs, so most banks decline or misprice them. We work with lenders who genuinely understand these assets.
Can I finance a barndominium or ADU?
Often yes. Non-traditional properties like barndominiums and accessory dwelling units fall under our specialty umbrella. We'll match your project to a lender comfortable with the property type.
How is specialty financing secured?
Depending on the asset, it may be secured by the asset itself, by real estate equity, or through a private lender's tailored program. We compare the options to fit both the asset and your finances.
How much can I finance and on what terms?
It varies widely by asset type, value, and lender. Ask our team for the current figures and structure options for your specific asset.
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Last updated July 7, 2026 · Reviewed by Christian Penner, NMLS #368289. This page is educational and not a commitment to lend; program details change — ask for current figures.