Artscapy Finance

A new way to access capital from your art collection. Fast. Flexible. Frictionless.

Art 1 Art 2 Art 3 Art 4 Art 5 Art 6

Who can benefit from art-backed financing

The art collector
  • • Settle cash needs quickly without liquidating art or other assets.
  • • Use blue-chip holdings to expand into emerging talent or specialist markets.
  • • Borrow through downturns instead of selling at a discount, preserving upside when values recover.
The dealer / gallery
  • • Secure headline works or new acquisitions while inventory remains on view.
  • • Draw financing against auction guarantees or consigned pieces to smooth cash flow.
  • • Fund fair, catalogue, and marketing costs ahead of sales revenue.
The family office / trust
  • • Redeploy capital or bridge fiscal obligations (taxes, capital calls) without selling core assets.
  • • Finance philanthropic or ESG initiatives while preserving collection holdings.
  • • Support next-generation ventures or allocations while art remains intact.
The heir
  • • Cover inheritance taxes and near-term obligations while the estate is settled.
  • • Keep heirlooms and legacy works intact while planning the optimal exit.
  • • Provide liquidity to divide estates among co-beneficiaries.
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Why choose us:

Loan size

Our loans are bespoke and range from £0.1 - £5M.

Flexible terms

Loan terms range from 3 months up to two years with extension options.

Attractive loan-to-value

Up to 70% of the appraised value.

Competitive rates

Our proprietary asset rating methodology ensures the most accurate value for your art leading to the highest LTV ratios at the best interest rates.

Speedy process

Quick in-house appraisal and loan execution.

Reach

We finance internationally.

Digital onboarding

Set up, upload, and track everything under one Artscapy account.

End-to-end collateral concierge

Shipping, storage, insurance and paperwork, all handled for you.

Our process

Our simple 5-step process guides you from start to finish in just 5 to 10 business days.
1
Submission & Preliminary Review

Send your enquiry and artwork documents via our website or directly to info@artscapy.com

2
Valuation & Offer (Days 4–6)

Receive a draft term sheet with tailored loan terms based on valuation.

3
Contract (Day 7)

Complete final due diligence and sign a loan agreement with transparent terms and fees.

4
Logistics (Days 8–9)

Artworks are securely transferred to Artscapy Finance’s possession and insured.

5
Funding (Day 10)

Once documentation is complete and collateral secured, funds are released to your account.

Get started today

 Contact us to discuss your needs and explore how we can assist you in achieving your financial goals.

FAQs

1
Does Artscapy Finance take possession of the artworks?
Not always. We register a security interest over the collateral, but physical possession is not required in every case.
2
Can you help me sell my artwork? 
Yes. Our team has deep market experience and can help you achieve the best outcome — whether privately or at auction — while also providing liquidity in advance of the sale.
3
Do I have to sell through Artscapy?
No. You choose how and when to sell. Artscapy acts as the sales agent only if a collateral work is sold as part of the loan.
4
What is your storage policy?
Works can be stored internationally, provided the storage facility meets our approved standards.
5
Can I repay early?
Yes. Loans can be repaid at any time after the minimum term.
6
Are the loan terms set?
No. Every loan is bespoke. As a guide, our typical terms are:

Loan amounts from £100,000, secured against multiple eligible works

Collateral: Post-War & Contemporary blue-chip art, each work valued at £25,000+

Beyond these guidelines, terms are tailored to your needs — contact us to discuss your situation.
7
What collateral do you accept?
Eligibility criteria include:

Post-War, Contemporary, and Modern artworks (paintings, works on paper, sculpture)

Established artists with sales history at the major auction houses

Works with clear title and full provenance documentation

Minimum individual artwork value of £25,000

Original works in good to excellent condition
8
Are the loans recourse or non-recourse?
They are non-recourse, meaning the loan is secured only against the artwork pledged.
Artscapy Finance provides art-secured lending to eligible borrowers. Information on this page is for general purposes only and does not constitute financial, tax, or legal advice. We encourage you to seek independent advice before entering into any borrowing arrangements. Our lending activities fall outside the scope of the UK Consumer Credit Act and are not regulated by the Financial Conduct Authority.
Do you already have an art portfolio? If you already invest in art, you can easily transfer, manage, and grow your collection with Artscapy.
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