Fine art can serve as powerful collateral — but only if it meets specific criteria. At Beverly Loan, we work with clients who own high-value paintings, sculptures, or mixed media works and want to leverage them for quick, discreet financing.
Why Use Art as Collateral?
Art is often an appreciating asset with emotional, cultural, and financial significance. Instead of selling a piece you love or parting with a long-term investment, a collateral loan allows you to unlock liquidity while retaining ownership.
What Qualifies as “Fine Art”?
We primarily accept:
- Original paintings
- Sculptures and mixed media
- Signed limited editions
- Works with verifiable provenance
- Art by well-known or emerging blue-chip artists
The more established the artist and the clearer the ownership history, the higher the valuation and confidence in loan terms.
How Art Is Appraised
Appraising fine art is complex — and we handle it with expertise and discretion. Factors include:
- Artist recognition and recent auction performance
- Condition of the piece
- Medium and dimensions
- Authentication documents or certificates
- Gallery history or previous sale records
We work with in-house and third-party specialists to ensure every valuation is accurate and current with the market.
How Much Can You Borrow Against Art?
Typical loan-to-value (LTV) ratios range between 40% and 60% of the artwork’s market value, depending on liquidity and demand.
For example:
- A painting appraised at $100,000 may qualify for a loan of $40,000 to $60,000.
The Loan Process
- Initial appraisal and private consultation
- Loan offer extended based on appraised value
- Secure storage during loan term
- Repayment period typically spans 4–6 months
Once the loan and interest are repaid, your artwork is returned in its original condition — and your privacy is preserved throughout the process.
Who Uses Art for Loans?
Clients include:
- Collectors managing estate planning
- Investors needing temporary liquidity
- Professionals or entrepreneurs funding new ventures
- Heirs or family offices leveraging inherited pieces
Our clients span a range of backgrounds, but they all value security, professionalism, and discretion.
Final Thought
If you own fine art and want access to capital without selling your piece, Beverly Loan offers a smart, secure solution.
Schedule a private appraisal today and discover the borrowing potential of your collection.