Only works by established, internationally known artists traded on the secondary market will be considered.

Our loans are characterized by flexibility and a variable term. You will receive liquidity without the usual credit checks. Your works of art solely guarantee the loan (non recourse). There is no personal liability.

The borrower must be the owner of the work of art and be able to provide proof of identity. Once the authenticity and value of a work of art has been verified and the borrower has been established as its legitimate owner, the loan can be granted shortly.

How quickly the loan can be paid out depends mainly on how promptly the necessary documents and evidence is produced needed to value and examine the work of art. The whole process until payout usually takes 2-3 weeks.

Depending on the value of the loan and on the quality of the asset our interest rates start from 6,5 % p.a., which is considerably less than rates offered in other financing deals. The interest rate is set at the start of the term of the loan and there are no additional costs for evaluation, insurance and storage.

The work of art remains your property during the entire credit period. Your credit agreement serves as proof of ownership.

Generally, we will lend 30 – 50 % of the market value of the collateral work of art (loan-to-value/ LTV).

The work of art is exclusively used as collateral. You will not personally be held liable.

We would be able to put up your asset for public auction no earlier than four weeks after the term ended. As a general rule, however, it takes 3 to 6 months until the auction, giving you more leeway to redeem the work of art. You are entitled to any surplus remaining after the fees of the auction, the amount borrowed and the accrued interest has been deducted from the auction proceeds.
Alternatively, the work of art can also be sold by private sale if the borrower agrees to it.

Your works of art will be stored in one of our specialist art storage facilities mainly in Germany and Switzerland but also in London. You are always entitled to have access to the works of art.

Throughout the term of the loan your works of art will be insured at twice the loan value. The insurance covers the items right from the time of collection, during storage until the final handover. Our insurance cover is “wall to wall”.

Against payment of a low prepayment penalty, you can repay your loan at any time.

You will be entitled to any additional proceeds generated at the auction. After deducting all costs, i.e. the loan, accrued interest and auction fees, these profits will be paid out to the borrower. You do not have to worry about your personal assets, should the auction proceeds not cover the loan amount and accrued costs. The borrower does not bear any personal liability, only the collateral work of art is liable.

We deal with your loan very personally and maintain the highest standards of confidentiality. We will neither ask for information or bankers’ reference , nor will we forward personal data to third parties.

We offer our services worldwide, no matter where the customer is based. However, the artworks have to be stored either in Germany or Switzerland.

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