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.
- 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 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.
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).
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.
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.
What our customers say
I've got to say what a fabulous service; it’s the first time I've gone to a pawnbroker because I was always apprehensive of the unwarranted stigma attached to getting money on an asset. I had urgent legal bills for a barrister to issue an injunction and your service delivery was excellent - if only I knew it was that painless and friendly.
I came across unbolted at a very difficult financial time, instead of selling my items I could borrow against them. I wish I knew about Unbolted before. Very friendly staff and prompt payment. Every single question answered promptly too. Will definitely recommend and use again.
Excellent rates. Excellent service. Simply the best relative to all other credit offerings in the UK market. Well done!
Crystal Palace, London
Helped when I needed it. Had some jewellery which I secured with them. The whole process was easy and painless. Great service, great communication throughout and would use again. Had a trouble free experience.... first time I have used it but probably not the last.
I needed a short term, low cost loan and having searched companies online, including those I had used before, decided on Unbolted for a loan against assets. The team at Unbolted were quick, efficient and friendly and I had a hassle free loan faster than ever before. Excellent service, thank you.
NewtonAbbey, Northern Ireland
The valuation was very fair and considerably better than any of the lenders I had approached previously, who seemed only interested in making a ridiculously huge margin and never valued the items anywhere near what they were worth. Thank you so much for helping me at a moment I really needed help.
My experience with Unbolted has been very positive, and I have found them to be a very professional set-up all round. I also felt their rates and total offering was by far the most attractive financial option for me, when compared to other similar options available to me at the time.
Kingston, Greater London
Excellent friendly service. I was able to contact an individual straight away on the phone and they would always get back to me promptly if I left a message. The online form was simple,clear and easy to use,making the whole process stress free.
A professional and discreet means of lending, with courteous and trustworthy service throughout. I can thoroughly recommend Unbolted.
Lyme Regis, Dorset
Extremely happy with the services provided by Unbolted. Prompt response and monies received . Would highly recommend.
The whole process is very straight forward and you are guided as you go along by constant updates. The interest rate is very good and you are told exactly what you will have to pay back. I would recommend this service to any of my friends or family and would definitely use Unbolted again.
Nantwich, Cheshire East
Very satisfied so far, hopefully redeeming will be just as straightforward. Team were always very helpful at all times and I would gladly recommend Unbolted's services, with some of the better interest rates around I think.
I would just like to compliment you all on your professional and indeed very friendly service. It certainly took the chill out of what most people perceive as a difficult situation. Very impressed!
Grove Park, London
Good Service. Smooth and fast so far, very attentive and pleasant.
Excellent customer service. Quick and prompt transaction. Pleasure to do business with.
An easy and good value loan.Great stuff. Quick and hassle free. Far lower interest than many other options.