A fine art collateral loan lets you access significant capital against your art collection without selling a single piece. Beverly Loan Company has been providing confidential, expert-appraised art loans from Beverly Hills since 1938, making us one of the most experienced fine art lenders in Los Angeles and Southern California.
What Is a Fine Art Collateral Loan?
A fine art collateral loan — also called an art-backed loan or art finance loan — is a short-term loan secured by artworks in your collection. Your art is appraised by our specialists, you receive a loan based on its current market value, and the works are held in our secure, climate-controlled, insured Beverly Hills vault for the loan period. Repay the loan and your art is returned in full. No auction, no sale, no public disclosure.
What Types of Art Are Accepted?
Beverly Loan Company lends against a wide range of fine art assets, including:
- Paintings and works on canvas — Oil, acrylic, and mixed media by recognized artists with established auction records
- Prints and multiples — Signed limited-edition prints, lithographs, and screen prints by blue-chip artists
- Sculptures — Bronze, marble, and mixed-media sculptures with documented provenance
- Photography — Fine art photography in limited editions, signed and numbered
- Works on paper — Drawings, watercolors, and pastels by artists with verifiable market demand
- Contemporary and modern art — Works by post-war, contemporary, and street art figures with active secondary market sales
- Estate and collection pieces — Works being held as estate assets or long-term investments requiring liquidity
Art loans at Beverly Loan Company range from $2,500 to well over $1,000,000, depending on the appraised value of the works.
How Beverly Loan Company Appraises Fine Art
Accurate art valuation requires more than checking a price database. Beverly Loan Company’s appraisers evaluate fine art based on:
- Artist’s auction history — Recent realized prices at Christie’s, Sotheby’s, Phillips, and Bonhams for comparable works
- Provenance and documentation — Certificate of authenticity, gallery receipts, exhibition history, and prior ownership records
- Condition — Physical state of the work, presence of conservation issues, and condition relative to comparable pieces
- Edition and rarity — For prints and multiples, edition size and number relative to total print run
- Current market demand — Active collector demand for the specific artist and genre at time of appraisal
Why Art Collectors in Los Angeles Choose Beverly Loan Company
Art collectors across Beverly Hills, West Hollywood, Bel Air, Malibu, and the greater Los Angeles area use Beverly Loan Company for art loans because:
- No public record. Unlike an art auction or dealer sale, a private collateral loan does not create a public transaction record that could affect the work’s future market value.
- No credit check. Approval is based entirely on the art’s appraised value — not your financial history.
- No capital gains event. Borrowing against art is not a taxable sale. You retain ownership and all future appreciation potential.
- Fast funding. Most art loans are funded the same or next business day following appraisal.
- Estate considerations. Art held in estates can be used as collateral to access liquidity during the probate or settlement process without forcing a sale.
Frequently Asked Questions About Art Loans in Beverly Hills
How much can I borrow against my artwork?
Art loan amounts are based on the current authenticated market value of your specific works, typically 50–70% of appraised value. A work by a blue-chip artist with recent strong auction results will qualify for a higher loan-to-value ratio than emerging artist work with limited secondary market data.
Do I need to bring my art to Beverly Loan Company in person?
Yes — all fine art appraisals are conducted at our Beverly Hills office, or by private arrangement for large-scale works. Please contact us to schedule your confidential consultation.
Is my artwork safe while it’s being held as collateral?
Yes. Beverly Loan Company stores all fine art in a climate-controlled, fully insured, private vault in Beverly Hills. Works are handled with museum-grade care throughout the loan period.
Can I get a loan against art that is currently in my home?
Yes. Once we’ve completed the appraisal and finalized the loan terms, the work is transported to our secure facility for the duration of the loan. Transportation can be arranged for qualifying loans.
Do you lend against art by emerging or lesser-known artists?
We evaluate all art on its individual merits. Works by emerging artists may qualify if there is a verifiable secondary market and documentation of value. Contact us to discuss your specific collection.
Interested in a fine art collateral loan in Beverly Hills or Los Angeles? Contact Beverly Loan Company to arrange a private, no-obligation appraisal appointment.