Asset Based Lending
Asset Based Lending for Art
Financely structures asset based lending for art for borrowers with documented collections and transaction-ready files.
In market language, this same product is called art-backed lending or art-backed loans.
Strong execution starts with clean collateral files: appraisal quality, provenance, title status, custody controls, and insurance evidence.
Submit your transaction at
Financely Deal Submission.
Art Collateral We Can Frame For Review
Paintings
Primary and secondary market paintings with traceable ownership, condition support, and reliable comparable sales data.
Works On Paper
Drawings, watercolors, and prints where authenticity, edition details, and condition are adequately documented.
Sculpture And Installations
Unique works and editioned sculptures with custody feasibility, valuation support, and enforceable security options.
Collection Pools
Portfolio collateral can be reviewed when concentration limits, liquidity assumptions, and legal ownership are clear.
The fastest files are the simplest: current appraisals, full provenance trail, no ownership disputes, and signed storage and insurance records.
Underwriting Focus For Art-Backed Loans
| Review Area |
What Is Checked |
Execution Impact |
| Valuation |
Independent appraisal date, methodology, and comparable transactions |
Sets loan sizing, margin, and covenant pressure points |
| Provenance And Authenticity |
Chain of title, invoices, certificates, catalog and exhibition references where applicable |
Reduces legal risk and claim friction |
| Title And Encumbrances |
Ownership clarity and confirmation of no conflicting liens or pledges |
Determines whether security can be perfected |
| Custody And Insurance |
Storage location, control rights, insurance terms, and replacement value logic |
Supports collateral protection and lender controls |
| Borrower Profile |
Use of proceeds, repayment pathway, financial profile, and corporate documents |
Drives final pricing and credit decision route |
Closing Procedure
1) Deal Intake
Borrower submits collateral list, target facility amount, use of proceeds, and timeline through the deal submission form.
2) Fit Screen
We test readiness, identify missing documents, and confirm whether the file is executable under a lender process.
3) Engagement And Onboarding
After mandate acceptance, compliance onboarding begins with KYC, AML, sanctions checks, and beneficial owner verification.
4) Appraisal And Data Normalization
Valuation files are standardized into lender-readable format, with clear assumptions and exception flags.
5) Legal Structuring
Security framework is drafted: pledge mechanics, control arrangements, custody language, and insurance requirements.
6) Indicative Terms
Facility structure is mapped across size, margin, tenor, reporting duties, concentration limits, and default triggers.
7) Lender Diligence
Lender-side questions are managed through a controlled document flow until conditions precedent are closed.
8) Documentation And Funding
Definitive agreements are executed, security is perfected, and funding occurs after all conditions are satisfied.
Typical Use Cases
- Liquidity against fine art holdings while retaining ownership during the loan tenor.
- Bridge capital for business operations, portfolio rebalancing, or refinancing near-term liabilities.
- Structured facilities for collectors, galleries, family entities, and art-focused holding companies.
- Portfolio-backed facilities with defined concentration, monitoring, and reporting controls.
Financely provides best-efforts advisory and arrangement services only.
We do not guarantee approvals, funding, or timeline outcomes.
Every transaction is subject to third-party underwriting, legal diligence, valuation acceptance, and compliance clearance.
Submit Your Art-Backed Lending File
Send your collateral schedule, appraisal documents, ownership records, and target terms.
We map the closing route and coordinate execution.
Frequently Asked Questions
Are art-backed lending and art-backed loans different?
No. They refer to the same loan class, where art collateral supports credit.
Do you only accept blue-chip artists?
Blue-chip works are easier to place, though non-blue-chip files may still be reviewed when documentation and marketability are strong.
Can I pledge only part of my collection?
Yes. Partial pools are common when title, valuation, and custody controls are clear.
How fast can closing happen?
Timing depends on file quality, legal workflow, valuation readiness, and lender response speed.