Fine art is often the most illiquid asset in a high-net-worth portfolio. Yet, for many of our clients, it represents a substantial portion of their net worth. The traditional route of selling through auction houses is fraught with high premiums, long consignment periods, and the public exposure of one’s financial maneuvers.

The “Blue-Chip” Advantage

Beverly Loan Company provides a discreet alternative. We specialize in non-recourse loans against blue-chip artwork, with a specific focus on Post-War and Contemporary masters such as Andy Warhol, Jean-Michel Basquiat, and Pablo Picasso. These artists represent the “gold standard” of the art market, offering the stability and verifiable auction history required for high-value lending.

The Valuation Process

The valuation of such pieces requires a blend of art historical knowledge and real-time market data. We assess condition, provenance, and recent auction results to determine a fair loan value. Crucially, our process allows the artwork to remain secure—either in our bank-grade vaults or, in certain high-value instances, remaining on your wall under a custodial agreement.

This structure allows collectors to retain their cultural capital while accessing financial capital. It effectively turns a static asset on the wall into a dynamic financial instrument, capable of funding new acquisitions or business ventures without the permanence of a sale.