Art-backed loans made it easy. As it should be

Unlock liquidity from your art collection without selling. Fast, flexible, discreet. Loans from £100k to £5m in as little as 14 business days

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

Why choose us:

Loan size

Bespoke loans from £100k to £5m, tailored to your needs.

Flexible terms

3 to 36‑month terms with extension options.

Attractive loan-to-value

Up to 60% of appraised value, subject to artwork and borrower profile.

Competitive rates

Proprietary asset rating helps maximise LTV while keeping interest rates competitive.

Speed

In‑house appraisal and streamlined documentation allow funding in as little as 15 business days.

Global Reach

We finance eligible borrowers internationally.

No Hidden Costs

one off arrangment fee inclusive of all set up and legal fees.

Collateral concierge

Shipping, storage, insurance and paperwork handled end‑to‑end.

Trusted by leading collectors and featured in
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Our process

Our 5‑step process is designed to be clear, discreet and efficient, typically completing within 5–10 business days.
1
Submission & preliminary review

Share artwork details and your financing needs for an initial assessment.

2
Valuation & offer (days 4–6)

We appraise the works and present an indicative loan offer and terms.

3
Contract (day 7)

Once you accept, legal documentation is finalised.

4
Logistics (days 8–9)

We arrange secure shipping and storage where required.

5
Funding (day 10)

Funds are released in line with the agreed terms.

Throughout the process, a dedicated specialist is available to answer questions and coordinate logistics.

Who can benefit from art-backed financing

Artscapy Finance provides non-recourse, art‑secured loans to collectors, dealers and family offices globally

The art collector
  • •Access cash quickly without selling artworks or other assets.
  • •Use blue-chip works to finance new acquisitions or diversify into emerging artists.
  • •Bridge downturns without forced sales, preserving upside when markets recover.
The dealer / gallery
  • •Secure key works and new inventory while keeping art on view.
  • •Draw financing against auction guarantees or consigned pieces to smooth cash flow.
  • •Fund fairs, catalogues and marketing ahead of sales revenue.
The family office / trust
  • •Bridge tax payments, capital calls and other obligations without selling core holdings.
  • •Finance philanthropic or ESG initiatives while keeping the collection intact.
  • •Support next‑generation ventures or allocations using art as collateral.
The heir
  • •Cover inheritance tax and near‑term estate expenses without selling key works.
  • •Keep heirlooms intact while planning optimal sales or long‑term retention.
  • •Provide liquidity to equitably divide estates among beneficiaries.

Get started today

 Speak with an art finance specialist to discuss your collection, borrowing needs and timeline. We will review your artworks confidentially and outline available lending options.

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? Already investing in art? Consolidate, manage and value your collection on Artscapy, and access financing when needed
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