If you are seeking a loan against fine art, Edinburgh Asset Finance (EAF) offers one of the UK’s most specialist, discreet and reliable solutions for unlocking capital from valuable artwork. We work exclusively with high-value assets, enabling us to provide higher lending amounts, faster decisions and a more refined experience than a typical art pawnbroker or high-street lender.
Whether you own a single important painting or an extensive collection of modern, classical, contemporary or culturally significant works, our fine-art lending service provides rapid access to funds without the need to sell your artwork. This allows collectors, investors and private owners to retain full ownership while releasing the liquidity they need for business, personal or investment purposes.
With in-house expertise, secure storage solutions and a client-first approach, our loans against art are trusted by clients across the UK who expect professionalism, accuracy and complete discretion at every stage.
Why Choose EAF for a Loan Against Fine Art?
Fine art is not only a treasured asset but also a substantial store of value. Yet converting that value through auction houses or galleries can be time-consuming, unpredictable and expensive. A loan against art offers a fast, secure and controlled way to access capital while keeping your artwork safely in your possession for the long term.
Clients choose our service because we deliver the perfect balance of speed, expertise and confidentiality.
Fast, Expert Valuations
With decades of combined art-market experience, our specialists assess each piece using detailed market knowledge and the most current performance data. Our valuation approach considers:
- Current demand in the fine-art market
- Recent auction results
- Artist significance and recognition
- Condition, medium and authenticity
- Comparable gallery and private-sale prices
- Rarity, provenance and historical importance
We arrange valuations promptly and around your schedule, ensuring you’re never waiting longer than necessary to access your funds. This streamlined approach is ideal whether you require a short-term loan against fine art or a more substantial, longer-term arrangement.
Immediate Loan Offers
Once your artwork has been assessed and an accurate market value established, we issue your loan offer immediately. Depending on the asset and location:
- Many clients receive funds on the same day
- Most receive their loan within 24 hours of appraisal
This makes our service one of the fastest ways in the UK to secure a loan against art without the complexities of selling through an auction or gallery.
Higher Loan-to-Value Than Traditional Pawnbrokers
Unlike standard pawnbrokers who deal with a broad mix of general goods, we specialise exclusively in high-value assets — including fine art. This allows us to offer higher LTV ratios, often up to 70% of the current market value, depending on the artwork and its demand.
We regularly lend against high-value works by:
- Jack Vettriano
- Peter Howson
- Andy Warhol
- Banksy
- Francis Bacon
- David Hockney
Because of our specialist knowledge and market insight, we frequently provide more competitive loan amounts than general art pawnbrokers or online lenders.
A Secure, Private and Professional Service
When clients secure a loan against fine art, they expect a refined and discreet process — and our service is designed to meet those expectations.
We provide:
- Confidential appointments
- Transparent loan terms with no hidden fees
- High-security, fully insured art storage
- Museum-grade handling standards
- Professional paperwork and communication
From collection to storage and eventual return, your artwork is protected with the utmost care. Only specialist art handlers access any pieces held during the loan period, and all facilities include climate control, restricted access and 24/7 monitoring.
Artwork Eligible for a Fine Art Loan
We lend against a wide range of fine art, from traditional paintings to contemporary works, sculpture, editions and culturally significant pieces.
Client Case Study
Why Clients Prefer EAF Over Standard Art Pawnbrokers
Clients choose our service because we offer:
- Specialist knowledge in high-value art
- Accurate, market-aligned valuations
- Higher loan amounts than typical pawnbrokers
- Discreet and professional client handling
- Fully insured, high-security storage
- Fast decisions and rapid payment
For high-net-worth individuals, collectors and investors, we provide a premium alternative to traditional art pawnbroking.
Ready to Secure a Loan Against Fine Art?
We offer:
- Fast, expert valuations
- Immediate loan offers
- High LTV ratios (often up to 70%)
- Fully insured storage
- A discreet, professional and secure lending service
Contact us today for a confidential discussion about your artwork.
Frequently Asked Questions
What types of artwork qualify for a loan?
We accept oil paintings, contemporary pieces, modern British art, drawings, limited editions, sculptures, Pop Art, Urban Art and works by leading artists such as Vettriano, Howson, Banksy, Bacon, Hockney and Warhol.
Do I need authentication or certificates?
Provenance is helpful but not essential. Our specialists can often confirm authenticity based on expert assessment.
How is my artwork stored?
Your artwork is stored in secure, climate-controlled, fully insured facilities with: Controlled access, Museum-grade protection, 24/7 security, Professional art handlers only.
How do you calculate the loan amount?
We assess: Artist reputation, Condition and medium, Provenance, Rarity, Market demand, Auction comparables. We typically lend up to 70% of current market value.
Is contemporary art accepted?
Yes — contemporary and modern pieces are often ideal for fine-art loans due to strong demand.