Secured Art Finance
Secured lending is arranged against individually assessed artworks, with each facility structured in accordance with the nature, quality, and market position of the art provided as security.
Process
The lending process begins with a disciplined review of attribution, provenance, condition, and comparable market evidence, establishing a supportable basis upon which capital may be advanced.
Facilities
Facilities are typically structured on a six-month term, with interest accrued monthly and settled at term or upon renewal, and may be extended subject to re-evaluation of the asset and prevailing market conditions.
Security
Security is taken solely against the asset, with no requirement for income verification or broader financial disclosure, ensuring that the transaction remains focused on the inherent strength and liquidity of the asset itself.
Continuity
Throughout the term, continuity is maintained, with oversight extending from initial structuring through to repayment, renewal, or realisation where required.
Funding provided ahead of auction to allow for timing, positioning, and selection of sale.
Applications of capital extend across the ownership lifecycle of art, allowing liquidity to be introduced at points of acquisition, holding, and sale.
Capital may be raised against existing holdings, arranged in advance of purchase against a target asset, or deployed ahead of auction to support timing and placement.
Facilities may also be provided following sale, bridging the period to settlement, or structured to support minimum outcomes through guarantee arrangements. In each case, capital is aligned to the art work and its market context, ensuring that timing, positioning, and execution are maintained without requiring disposal.