Modern & contemporary
Blue-chip and established contemporary names, valued against recent auction and private-sale results.
Art finance · Loans against fine art · City of London · Est. 2013
Borrow against your art. Keep the work, and take it back when you repay.
Trinity lends against fine art — paintings, prints, sculpture and whole collections — through our specialist art-finance division. Discreet loans from £500 with no maximum, valued by art specialists on provenance and the market, insured and handled with care, and your work returned exactly as you left it when you repay.
No credit checks. Nothing on your credit file. Discreet, specialist handling.
What is your artwork worth as a loan?
Tell us the artist, the work and its provenance, and send a few photos. An art specialist reviews it against recent market results and comes back with an indicative offer — discreetly, and with no obligation.
Step 1 of 2 · Your artwork
£60m+ lent since 2013Confirm Specialist art-finance division Valued on provenance & market FCA regulated, ref 741896 Fully insured, discreet handling
What we lend against
The art we lend against
We lend against work worth keeping — from a single painting to a whole collection. Provenance and paperwork help the valuation, but our specialists can assess a work on its own merit.
Prints & editions
Signed and numbered editions by sought-after artists, valued on edition, condition and demand.
Old Masters & period works
Earlier paintings and works on paper, assessed for attribution, condition and provenance.
Sculpture & collections
Three-dimensional works and grouped holdings, including dealer and gallery inventory used as working capital.
How much you can borrow
Valued on provenance and the market
Your work is valued by an art specialist — the artist, the piece, its provenance and condition — against recent auction and private-sale results for comparable work. That means an accurate valuation and a competitive loan, at transparent rates. Loans start at £500 and, for significant works and collections, run well into six and seven figures.
Loan size
£500 upwards
Term
6 months, renewable
FeesNeeds confirmation
No arrangement fee
Credit file
No credit checks
Worked exampleRate-led example awaiting compliance
Borrow £[X,XXX] against a contemporary painting for [X] months — a rate-led worked example goes here once compliance confirms the figure.
Amount borrowed£[X,XXX]
Term[X] months
Interest£[XXX]
Total to repay£[X,XXX]
Representative APR[XX.X]%
Indicative only. Your offer depends on the specific work, its provenance and condition, and the market on the day.
How it works
Four steps. The work back with you at the end.
Step 01
Tell us about the work
Send the artist, provenance and a few photos. A specialist values it and sends an indicative offer, discreetly.
Step 02
We arrange specialist handlingArt division logistics
For fine art we arrange specialist fine-art transport and insurance to the work’s value, or a specialist can view the piece in situ where that’s more appropriate. Art is never sent by ordinary post. It’s insured throughout.
Step 03
Accept the offer and get paidFunding timeline for art
Once the work has been examined and the valuation confirmed, accept and the money follows quickly.
Step 04
Repay, and the work comes back to you
Loans run for six months and can be extended. Repay early and you pay less, with no penalty. Your work is returned exactly as you left it.
Read the process in full, including what happens at the end of the term →
How we value fine art
Valued by art specialists, on provenance and the market
Every work is assessed by an art specialist — the artist and attribution, provenance and exhibition history, condition, and comparable auction and private-sale results. We come from the galleries and the auction houses, and we value a work as the art market would, not as a generalist would.
Artist and attribution established
Including the edition, where the work is one of a series.
Provenance and paperwork weighed
Receipts, catalogues and exhibition history read and counted.
Condition assessed by specialists
Examined properly, not judged from a photograph.
Valued against comparables
Recent auction and private-sale results for comparable work.
Why Trinity rather than selling or consigning
A loan against your art — not a sale, not a consignment.
Selling at auction or to a dealer means giving up the work, waiting for the right sale, and paying a commission. A loan against it means you keep ownership, release the value now, and take the work back when you repay. That difference is the whole point.
Trinity
The high street
Your work
Keep the work — it’s a loan, not a sale or a consignment
Sold or consigned, and gone
Rates
Transparent ratesNeeds substantiated APR
Commission on every sale
Valuation
Valued by art specialists on provenance and the market
Valued by a generalist
Handling
Discreet, fully insured specialist handling and storage
Crated, shipped and shown
Credit file
No credit checks, and nothing recorded on your credit file
May run credit checks
Redemption
No early-repayment penalty — redeem the moment you’re ready
Wait for the right sale
400+ five-star reviews of Unbolted, the FCA-regulated lender behind every Trinity loan.
Case study · RedeemedAwaiting a consented case
[Art case study to be supplied — the work described rather than pictured, the sum lent, the timeline, redeemed. Discretion preserved.]
Piece[confirm]
Amount lent[confirm]
Funds released[confirm]
Outcome[confirm]
Illustrative placeholder — to be replaced with a real, consented case. No identifiable people, no full customer names.
Fine art FAQs
Asked, answered
No. This is a loan against the work. You keep ownership throughout and take it back when you repay — no sale, no consignment.
It helps, and for higher-value works it may be needed to confirm attribution — but our specialists can assess many works on their own merit. Tell us what you have.
By specialist fine-art transport, insured to the work’s value — or a specialist can view it where it hangs. It’s stored in secure, insured, climate-appropriate conditions, never displayed or sold, and returned exactly as you left it.Art division transport, storage and insurance
Yes. Inventory can be used as collateral for working capital or to bridge a sale, and redeemed the moment a piece sells, with no early-repayment penalty.
Talk to us. Loans can usually be extended. If a loan is not repaid, the work may be sold, and anything it makes above what you owe comes back to you.
No. There is no credit check and nothing is recorded.
Representative exampleVerbatim from compliance
FCA representative example to be inserted verbatim from compliance.
Designed as a first-class element rather than small print — final wording inserted verbatim once signed off.
Get started
Find out what your art is worth as a loan
A confidential valuation, at no cost, with no obligation to proceed.
Value my artworkOr speak to a specialist: 020 3567 1300 · WhatsApp