Data from the Art Basel & UBS Global Art Market Report 2025 and the Artnet Intelligence Report 2025 show art-secured lending at a record $32 billion, proving that top-tier collections can finance new acquisitions without forced sales.
Collectors leverage stored art for fresh capital
Borrowing against art climbed 19% year over year, with interest-only facilities priced 150 to 250 basis points below unsecured credit lines. Boutique lenders now write 58% of new loans, offering up to 60% loan-to-value on post-war blue chips and mezzanine top-ups on mixed collateral pools. AI appraisal engines check four decades of sales in seconds, while insurance covering 120% of loan value plus catastrophe riders seals the risk perimeter. Loan proceeds flow back into the $500,000 to $2,000,000 tier, creating a virtuous credit-demand loop. Our advisory times revolving lines to auction calendars, unlocks dormant equity for new buys, and protects estates with non-recourse terms.
Why This Matters: art credit unlocks capital without selling core holdings; interest deductions boost net IRR; lending desks reveal undervalued collateral ahead of auctions; and moderate leverage magnifies upside while capping downside.
Need liquidity or targeting collateral buys?
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