Art & Antique Dealer

Art Finance for All

The art-lending business is booming. Skate's most recent art market report identified that in 2015 the art-loans book is expected to grow to above $10 billion this year, which is at least twice the level of the art-lending market last reviewed by Skate’s in 2011. This still leaves ample room for growth, as Skate’s most conservative estimate of the addressable art-lending market size is $100 billion. Today, Christie's, Sotheby's and Phillips have the ability to finance individual pieces as well as collections at competitive interest rates. Smaller, less well known dealers do not have access to the same financing capabilities.

At Unbolted, we think that every collector and art dealer should have access to similar facilities for borrowing against their assets that is currently only available to the privileged few.

The Unbolted Art & Antique Dealer loan is based on five key factors:

  • Unbolted Peer-to-Peer borrowing is fast. We provide you with an indicative loan offer within minutes of identifying the value of your assets and your loan will be in your bank account within 24 hours.
  • No credit checks. We know that credit checks may be a barrier to your success. All we need to know is that you are a UK resident and have a bank account. It is that easy.
  • No upfront deductions. Unbolted disburses 100% of the loan to you.
  • Interest is calculated only for the days that the loan is outstanding. If you want to pay back your loan earlier, there are no penalties for doing so.
  • Regulated by the FCA. The FCA regulates consumer credit in the UK and like your high street bank we are also regulated by the FCA.
How we value fine art and antiques
  • Title of item, artist or artisan, year or date created and medium.
  • Measurements of the painting (without frame) or antique itself
  • Edition number, if applicable
  • Provenance. Where was the item purchased? Previous owners?
  • Is it signed or unsigned? Location of signature or stamp.
  • Condition?
  • Any additional information that may affect the value?
Ready to apply? It's fast and simple.

For an instant loan against your fine art or antiques just complete a quick online application. There you can upload a photo and description of your piece(s). We'll make an initial assessment and indicative loan offer within hours. If you choose to proceed we will arrange to have your fine art delivered to our secure storage facilities. We can advance funds within 24 hours and you'll benefit from the UK's lowest rates.

Ready to get started? Its fast and simple.
Complete an online application.

Valuing a Diamond

Valuing Your Fine Art and Antiques

We understand the financial investment you have made in building your collection of fine art. Whether it is a single piece, part of a collection or world renowned, we will ensure that a fair and transparent process of valuation takes place in a timely manner.

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Specialists in Extraordinary Assets

Unbolted works with specialists in determining market values – valuation experts and leading auction houses. This critical role is outsourced to ensure the robustness of the items's valuation which results in realistic loan to value ratios for the borrowers and lenders.

Our partners Lyon and Turnbull and Fellows both have dedicated teams of Fine Art and Antique specialists. Unbolted may use other specialists but only work with members in good standing of the Society of Fine Art Auctioneers and Valuers (SOFAA).

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Storage and Shipping of your Assets

Unbolted understand the importance of proper care and protection of your assets in transit and in storage. We use specialists in art logisitics to guarantee that your asset will arrive at its destination on time and in the condition that it was collected in. We also can arrange for bespoke levels of storage to match your existing arrangements.

Or if you have a preferred partner such as Cadogan Tate Fine Art or Momart, we will discuss your specific requirements with them.

Our Guarantee

The lowest borrowing costs in UK

We believe that you cannot find a better offer but if you do we will beat it.

Fair and transparent terms

Unbolted never deducts fees upfront - so you receive the full loan amount.

You retain repayment flexibility - we don't impose early-repayment penalties.

If you find you can't pay back your loan we will sell your item - and we will return any surplus from that sale to you.

APR and Loan Terms

Minimum APR: 18.8%. Maximum APR: 63.1%.

All loans are for a fixed term of 6 months. You can repay early at any time without penalty.

Representative Example: Total credit: £4000. Set-up fees: £120. Loan term of 6 months. Annual Interest rate: 37.2% (fixed). Interest for 6 months: £766.32. Amount repayable in one installment: £4,886.32. Representative APR: 49.2%.

Risk Warning: If the loan is not repaid, the assets may be sold.

Do you have any other questions? Get in touch today.

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