Harry Stillman cares nothing for his future and spends his time at gaming tables, horse races, and in the company of whatever beautiful woman has caught his eye that week. He has little use for society or his uncle's approval—until his debts begin exceeding his profits. When Uncle Elliott refuses to pay off the debt and instead offers him a large, monetary wedding gift if Harry were to marry a woman of his uncle's approval, Harry is offended, angry—and scared. His dire straits drives him to seek out the infamous Lord Damion—a money lender who extolls a heavy price for his assistance.

Lord Damion, however, is not a lord at all, or even a man. When Lady Sabrina's cheating husband leaves her, then ends up dying in a carriage accident, she creates a plan to ensure her future security through the secret persona of Lord Damion, and she is quickly becoming the richest woman in England.

Knee-deep in secrets, both Harry and Sabrina must decide what true love means to them and how to navigate the pitfalls of English high society. In the end, both must decide which is more important: wealth or true love.