Art-Backed Lending

Unlock the value of your collection without parting with it.

A significant collection is rarely only a passion. It is also capital. Art-backed lending allows you to raise liquidity against the works you own, for acquisition, investment, or wider business, while the art remains yours and, in most cases, on your walls. Zurani guides collectors and family offices through that process from beginning to end, and introduces you to the right lenders to do it well.

WHAT IT IS

Borrowing against art, explained

Art-backed lending, sometimes called art finance or a loan against art, lets an owner use fine art as collateral for credit. A specialist lender advances a portion of a work’s appraised value, secured against the piece. Your collection continues to appreciate, your capital stays invested in the market, and you retain ownership throughout. It is a discreet and increasingly common tool among serious collectors and the family offices that advise them.

HOW IT WORKS

How Zurani works with you

Zurani is not a lender. We are your advisor and intermediary, acting solely in your interest, and we manage the process so you do not have to navigate the lending market alone.

Assess and value.

We review your collection, confirm which works are suitable as collateral, and establish a defensible valuation drawing on our appraisal and market expertise.

Match to the right lender.

We introduce you to vetted specialist art-finance lenders from our network, and help you weigh terms, loan-to-value, and structure, rather than approaching the market cold.

Manage the process.

We coordinate valuation, documentation, and due diligence, and represent your interests through to drawdown.

Ongoing oversight.

We remain on hand for renewals, additional facilities, and any changes to your collection.

Because we work for you and not the lender, our advice is always and only in your interest.

ELIGIBILITY

What can be used as collateral

Lenders favour works with strong liquidity and clear provenance: blue-chip and museum-grade pieces by established artists, with sound authentication and condition. As a guide, individual works of meaningful value, or a portfolio of them, are the most readily financed. Part of our role is to tell you candidly which of your works qualify, and which do not, before any lender is approached.

WHY ZURANI

Independent, and aligned with you

We act for you, not the lender, so our only interest is the right outcome for your collection. Credible valuation sits at the centre of every lending decision, and it is the discipline we are built on. We introduce you only to specialist lenders we know and trust, chosen for the work in question, never a one-size-fits-all referral. And throughout, these private matters are handled privately.

COMMON QUESTIONS

What collectors ask

How much can I borrow against my art? Loan-to-value varies by lender and by work, commonly a portion of the appraised value. We help you understand what is realistic before you commit.

Do I keep my art? In most structures the work remains in your possession or in approved storage, and remains yours throughout the facility.

What kind of art can be used? Blue-chip and museum-grade works with strong provenance and liquidity are most readily financed.

Is this available internationally? Yes. We work with collectors and lenders across major markets worldwide.

Does Zurani provide the loan? No. Zurani advises and facilitates; lending is provided by independent, specialist third-party lenders we introduce you to.

A considered approach to art as an asset
begins with a single conversation.
We'd welcome the opportunity to understand your position.

Request an Introduction