Borrow against your Fine Art
Unlock the value hidden in your fine art
We take care of everything
Art is one of the most powerful forms of expression known to all. It has inspired and motivated individuals through history from the earliest cave painting at Maros in Sulawesi (an Indonesian Island) to teamLab's "Flutter of Butterflies beyond Borders" interactive digital presentation at the Start Art Fair in September in London. 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.
For some individuals art has become an investment class but whether you buy your art with your heart or your head, Unbolted can help you to unlock the value hidden in your fine art.
How we value fine art
- Title of item, artist, year or date created and medium.
- Provenance. Where was the item purchased? Previous owners?
- Condition and any oter additional information that may affect the value?
Ready to apply? It's fast and simple.
For an instant loan against your fine art, 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?
Submit an application today
Valuing Your Fine Art
We understand the personal and 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 Fine Art
Our partners Lyon and Turnbull and Fellows both have dedicated teams of Fine Art 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 Fine Art
Unbolted works with specialists in Fine Art storage and shipping such as Cadogan Tate Fine Art or Momart. If your piece requires a temperature-controlled art warehouse and packing facility or if you have a more specific requirement, Unbolted will use one of the specialists in this area.
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.
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.
Borrow directly from peer-to-peer lenders at low interest rates. Rep APR: 49.2%
Stolen copy of Salvator Mundi, Discovered in Naples flat
Stolen copy of Salvator Mundi, Discovered in Naples flat
Police in Naples have discovered a stolen 500-year-old copy of Leonardo da Vinci’s Salvator Mundi, hidden in the attic of a flat. The Salvator Mundi, which achieved the highest recorded auction price for a single work, when it sold in ...Read more
The rise in lending and borrowing against art
When Skate's Art Market Research took another look at the art market last year, the findings were striking: the art-loans book was on course to grow to over $10 billion, easily twice the level of art lending found by Skate's when they last analysed the market in 2011. Skate's also ...Read more
Unlocking art assets to buy new works for collectors
Small independent art dealers don’t need to be reminded that giant auction houses such as Sotheby’s, Christie’s and Phillips have the financial clout to finance highly valuable individual pieces of artwork as well as collections at competitive interest rates. This kind of access to finance just hasn’t been available to ...Read more
Global art market falls in 2015, but experts aren’t panicking
Art dealers across the world have been crossing fingers and toes in anticipation of The European Fine Art Foundation (TEFAF) Report 2016 from Dublin-based research and consulting firm Arts Economics, and for good reason. Founded by cultural economist Clare McAndrew, Arts Economics is widely considered to compile the most comprehensive ...Read more
Four up-and-coming artists to watch in 2016
Visual art has been one of the most evocative forms of expression since we inhabited caves. As Fine Art happens to be amongst the asset categories we collateralise for our unique secured asset loan at peer-to-peer lender Unbolted, we thought it might be timely to flag up some interesting new ...Read more
Who needs Antiques Roadshow with Unbolted in town?
Even if you’re not a regular viewer, the chances are that you’ve caught the occasional episode of the long-running BBC 1 TV programme, Antiques Roadshow. Just in case you’ve been marooned on a desert island or living in a Trappist monastery since 1979, the format is simple: an expert team ...Read more
Turning art into cash and back again with Unbolted
Meet Harley, an independent art dealer who has a keen eye for emerging artists. He discovers a stunning sculpture by up-and-coming artist Sam Shendi and is certain that one client in particular will snap it up. Strikingly contoured, vibrantly coloured and fashioned in Shendi’s material of choice, steel, the work ...Read more
Monya’s choice: to grow or languish? Or Unbolted’s solution?
It takes quite a bit of courage, determination and resilience to abandon the security of salaried employment and strike out as an entrepreneur. To be fair, most people do it in stages, nurturing their fledgling businesses while holding down their day jobs and working all hours of the day and ...Read more
A post-Christmas credit card bill
Picture this scenario: it could easily be you. Jerome and Sarah have a big year ahead: they’re getting hitched in the summer and they’re also buying their first home in the months ahead. A relatively high-income couple with good financial prospects (Jerome is a senior registrar at a nearby hospital ...Read more
Release the value of your fine art
Alas, many people are faced with extensive Christmas credit card bills now that the holiday season has ended. If you’re fortunate enough to own a high-value possession, however, a unique option is available: a secured asset loan from peer-to-peer lender Unbolted.
Unbolted’s specialist partners determine the value of a personal ...Read more
Maybe Unbolted can create the future you want
There’s no getting away from it. Sometimes, people make the wrong career choices. This was certainly true of Theo, a 28-year-old accountant who progressively realised that office work and number crunching really didn’t float his boat. Even as a boy, he’d always been an “outdoors” person who liked building things ...Read more
Unbolted supports a new gallery
Alec’s career path as an art dealer followed a fairly standard pattern: a passion for art (especially pop art probing the darker recesses of the psyche), an art history degree and then salaried employment as a dealer. Now he’s at an interesting point: he knows enough to go independent and ...Read more
How Unbolted breaks the two-tier art finance system
There’s an indisputable fact in the secured asset loans business: art is big – seriously big - as a collaterisable asset. Back in August, during a huge selloff in global equities, many collectors sought liquidity by using their art works as security for loans. As Bloomberg reported at the time, this ...Read more
Somerset art dealers top ArtReview magazine’s Power 100 list
It was impossible for any art dealer who wasn’t in a coma last month to miss the recent news that world-renowned Chinese dissident artist Ai Weiwei was beaten by Somerset art dealers Iwan and Manuela Wirth to be named as the most powerful figures in the art world.
They’re ...Read more
The Faberge Pearl Egg - An objet d'art masterpiece
Free up some capital to invest in an Imperial prize….
Fabergé has revived its revered tradition of creating the most precious and coveted of objets d’art.
Paying homage to the centenary of the last Fabergé Imperial Eggs ever delivered, Fabergé has crafted an extraordinary, one-of-kind egg objet in collaboration with the ...
Investing in Photography
For those looking at starting an art collection, photography is an art form that is growing in both popularity and financial merit. However, it can often be a daunting experience, not just because of knowing what to buy, but also because of knowing how to buy. An image ...Read more
Do we buy art for appreciation or investment?
Imagine you see a Jackson Pollock, or perhaps a painting by Mark Rothko.
Why do people buy these paintings? In his latest article ‘The Final Word’, Phillip Hook - author of Breakfast at Sotheby’s: An A-Z of the Art World (Penguin) - puts forward that people do this for a variety of ...Read more
11 Minutes to Secure the Most Expensive Painting in the World
In early May, the world's most expensive painting, "Les femmes d'Alger" version O painted by world famous artist Pablo Picasso in 1954-1955, sold at auction for a record-breaking £102.6 million.
What is actually more incredible is that it sold in 11 minutes with bidders competing in person and over the phone ...Read more
Collecting a Fortune
We’re all as unique as our finger prints, and never is that more evident than with the things we collect. Serious collectors can spend thousands building a unique collection with the hope one day that it can be worth a fortune.
Rarity and value are foremost in the collector’s ...Read more
The Art of Investing
Several pieces sold by Bonhams over the course of the last few years have been record-breaking, from Fragonard’s The Portrait of François-Henri d’Harcourt, which sold for £17.1 million, to the rare Buddhist (377 BC – 1017 AD) Indian carved stone temple step, selling for £553,250 – a world record ...Read more
Old Masters versus Contemporary Art
Until a few decades ago, Old Masters was the most popular segment of the art market. Now it comprises just 10% of the value of the art market with an annual auction sales of just 1 billion euros. Despite occasional moments in the spotlight such as the auction of J ...Read more
Don't sell the painting in haste!
If you are an entrepreneur or an owner of a small business you can relate to the pressure of short term funding requirements. Most entrepreneurs have had to bootstrap for that extra couple of months till the funding deal closed and a majority of small businesses have faced delays in ...Read more