Art is one of the most powerful forms of expression known to all. It has inspired and motivated individuals through history. It improves our quality of life and stimulates or silences conversation. An original work of art reflects and even enhances the personality of the individual who owns it.

Whether you are an art collector, gallery owner, or dealer, we provide tailored financing solutions that suit your needs. Our loans are designed to be flexible, fast, and affordable, ensuring you can leverage your art without the hassle of traditional financing.

Range of Art Finance

• Private HNW Loans: Personal loans to high net worth individuals, secured by their art collection held in specialist storage.
• Gallery and Dealer Stock Finance: Works pledged against loans can typically be held in third party storage so they remain available for viewing.
• Auction Finance for Collectors: When buying, we lend up to 65% of the hammer price. When selling, we can advance 50% of the agreed reserve.

Unbolted Art Finance Loan Terms*

• Loan Amount: £50,000 to £1.5 million.
• Term: Up to 12 months.
• LTV: Up to 50% of low auction estimate.
• LTV: Up to 50% of low auction estimate.
• Set-up fee: from 1.5%.
• Interest rates: from 1.25% per month.

*business or high net worth individuals only

Forum Auctions: Pre-auction financing - direct to vendors

What the Client Says: We have worked with Unbolted Auction Finance for over a year now. The Auction Advance facility for vendors has proved very popular and has provided over £1million in liquidity to our vendors. When pitching for the best lots this Finance Facility has been a very useful tool. The admin process with Unbolted is pain free, both for us and the vendor, and the Interest charges are sensible. We can account for everything as part of the normal sales proceeds process so we don’t have to inconvenience the vendor with monthly payments. Furthermore, vendors are attracted by the non-recourse nature of these advances, thereby having no impact on their own credit ratings. Unbolted’s finance facility really is a win-win for all concerned.” Stephan Ludwig - CEO, Forum Auctions.

London fine art gallery: Financing of art stock

Established for over 25yrs the art gallery is based in London’s South Kensington. In common with other fine art dealers, the gallery is committed to keep their stock offer varied and fresh. The requirement to constantly buy and sell can put a strain on liquidity, especially when a tempting purchase opportunity presents itself at an awkward time.

What the Client Says: “Unbolted understands our requirements and delivers a platform for us to grow. They are professional and understanding and we share the same vision.”

Independent art collector: Launch commercially

What the Client Says: “I was bored during the pandemic and wanted to start trading art commercially. My existing collection was nice but I had to scale it up to be commercially successful. Unbolted enabled me to make this transition based on the art I already owned which was important as all of my personal capital was locked up in my closed hospitality business. The administration of my loans and multiple assets is simple via the online platform.”

Secure a transatlantic Hockney deal

What the Client Says: “I had a ready buyer via a US gallery for some Hockney Art. There was a fair profit in the deal that I could plough back into my collection but I just didn’t have the funds up front to buy the piece in the first place. The Unbolted facility came just in time otherwise I would have missed out.”

Use Banksy collection to complete property deal

What the Client Says: “With Banksy works rising in value month on month it made no sense to sell my collection just for a short-term requirement. The Unbolted facility meant the property deal could proceed and I got to keep my Art. I pay interest on the Unbolted loan but calculate that in the 12 months I will need the facility for, the increase in value will more than offset the interest.”