ART AND LUXURY ASSET FINANCE

We offer recourse and non-recourse-loans. Your works of art may be the only collateral. The borrower must be the legitimate owner of the work of art which he borrows against and must be able to provide proof of identity.

The valuation is performed by an independent external expert, with no involvement from auction house employees or art dealers. Your artwork receives a market-based auction estimate, and you can unlock liquidity by borrowing up to 50% of its value (loan-to-value, LTV).

The artworks are stored under the name of our financing partners in leading specialist art storage facilities in all major hubs.

We offer secure storage in Europe, the U.S., the UK, Switzerland, and other key markets.

On request, storage can be arranged close to the client, and the borrower has access to their artworks at any time, for example in connection with a sale or viewing. In addition, the works can be made available for exhibitions at art fairs and in museums.

Once the artworks are in our custody and the art loan has been disbursed, we cover all storage and insurance costs.

The loan term is usually between 12 and 24 months. Interest rates start at 6.3% per annum.

Interest is payable quarterly in arrears, while the principal is repaid in full at the end of the term.

If the agreed term is exceeded, the loan can be extended on request for up to 10 years or longer. At the end of the term, once the loan including all accrued interest has been repaid, the artworks are returned to the owner.

Inquiries and valuations are free of charge, even if no loan agreement is entered into.

Thomas González has built a strong network of institutional and private financing partners, including discreet capital providers that are not all publicly visible in the art market.

Like many of our clients, they trust in his experience and track record. We offer art-backed loans from EUR 25,000 up to EUR 35 million per client.

Loans can be issued in USD, GBP, CHF, or EUR. As Euro benchmark rates are currently very low, we are able to offer particularly attractive conditions for Euro loans.

In the event that the loan is neither extended nor repaid when due, the artwork will be released for sale at public auction.

Alternatively, subject to the borrower’s consent, the artwork can be sold via a private sale.

If, after deducting all outstanding amounts (loan, accrued interest, and fees), there is a surplus from the sale proceeds, this additional amount will be paid out to the client.

In case the client intends to sell or redeem the artworks before the end of the loan term, there is no prepayment penalty. For a private sale, the artworks can be inspected by third parties at any time within the storage facility.

Furthermore, the artworks can be sold through major auction houses or at art fairs at any time during the loan term. In such cases, the artworks can be shipped and exhibited worldwide.