Art Finance
Million Plus Private Finance arranges bespoke art finance for high-net-worth clients seeking to acquire significant artworks or raise liquidity against established collections. Using private banks and specialist lenders, we structure discreet facilities aligned with wider balance sheets and long-term wealth planning.
Why Choose Million Plus Private Finance for Art Finance?
Art finance requires specialist lender access, asset understanding, and discreet structuring. Million Plus Private Finance works with private banks and specialist art lenders to arrange finance for art acquisitions and lending secured against existing collections. Our clients often hold wealth across property, investments, businesses, and international assets. Lending is structured around overall balance-sheet strength rather than narrow income assessments, with interest-only and hybrid repayment options available. Every facility is aligned with confidentiality, efficiency, and the client’s broader wealth strategy.
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Speak with a senior adviser to discuss art acquisition finance or facilities secured against your collection. We provide discreet guidance on structuring, lender selection, valuations, and legal coordination for high-net-worth clients with complex financial profiles.
Million Plus Private Finance provides bespoke art finance solutions for clients seeking to acquire fine art or raise capital against established collections. Facilities are arranged through private banks and specialist lenders, with lending decisions informed by overall balance-sheet strength rather than narrow affordability models.
Our clients include private collectors, entrepreneurs, international investors, and family offices whose wealth is often concentrated across multiple asset classes. Where liquidity is required, art assets can be incorporated into a wider lending structure, enabling borrowing without forced sales or disruption to long-term collection strategy.
Finance may be arranged against individual blue-chip works or diversified collections, subject to asset quality, provenance, and market depth. Interest-only and hybrid repayment structures are commonly used, allowing flexibility while preserving ownership.
We coordinate valuations, lender engagement, legal documentation, insurance, and storage considerations, delivering a confidential and efficient process. All facilities are structured to integrate seamlessly alongside other private bank lending and aligned with the client’s broader wealth objectives.
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Art finance plays an increasingly important role for high-net-worth clients whose wealth extends beyond traditional property and investment portfolios. Fine art often represents both cultural significance and substantial financial value. Million Plus Private Finance enables clients to unlock this value through professionally structured, discreet lending.
We arrange finance for the acquisition of high-value artworks as well as facilities secured against established collections. Lending is assessed based on asset quality, provenance, liquidity, and the client’s wider financial position rather than rigid income multiples. This allows borrowing structures that reflect true net worth and long-term strategy.
Facilities may be structured as fixed-term loans or revolving credit lines, depending on client objectives. Interest-only and hybrid repayment options are frequently used to support cashflow management while maintaining flexibility across the wider portfolio. In appropriate cases, non-recourse structures may be available.
Our advisers manage the full process, including independent valuations, lender engagement, legal documentation, insurance, and storage considerations. Where appropriate, art finance can be integrated alongside private bank mortgages, Lombard lending, commercial property finance, or business borrowing to create a cohesive multi-asset facility.
For international clients, we coordinate cross-border considerations to ensure lending structures align with jurisdictional requirements and global wealth planning. Confidentiality and discretion remain central throughout, with all facilities arranged through trusted private banks and specialist lenders.
By positioning fine art within the broader balance sheet, Million Plus Private Finance delivers lending solutions that preserve ownership, enhance liquidity, and support strategic decision-making without compromising long-term asset strategy.
frequently asked questions
Mortgage Questions Answered
What is art finance?
Art finance allows high-net-worth clients to borrow against fine art collections, using artworks as collateral to raise liquidity without selling assets.
What types of art can be used as collateral?
Eligible assets typically include modern, post-war, contemporary, and historically significant works with strong provenance and market demand.
Can I raise finance against an existing art collection?
Yes. Facilities can be structured against individual artworks or diversified collections, subject to valuation and lender criteria.
Are non-recourse art loans available?
In suitable cases, non-recourse art-backed loans may be available where lending is secured solely against the artwork.
How long does art finance take to arrange?
With valuations and documentation in place, art finance facilities can complete within weeks. Million Plus coordinates the process end to end.
Can art finance be combined with other private bank lending?
Yes. Art finance can sit alongside mortgages, Lombard loans, and commercial lending within a broader wealth structure.
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From museum-quality artworks to international collections, Million Plus Private Finance structures bespoke art finance for high-net-worth clients. Our senior advisers deliver discreet, flexible lending beyond high-street constraints.
