Art-backed lending
Art Loan Carry
Art loans run $34B to $40B outstanding, with rates from 6% to 12%. The painting has to appreciate faster than the interest, or the loan costs you more than it frees up. Test your own numbers.
Artwork liquidity tier
Borrow against it
Keep the work, take cash, pay interest.
Cash advanced
Interest over term
Work value at maturity
Net position
Sell it
Take cash now, 15% seller and auction costs assumed.
Proceeds after costs
Upside you give up
Cash vs borrowing
Net position
Break-even price growth
Value drop before loan exceeds 85% LTV
Interest per month
Loan balance vs artwork value
Artwork value (your guess)Loan balance with interest accrued85% LTV line
Illustrative model. Tier LTVs and rates reflect 2026 market ranges (LTV 35% to 65%, rates 6% to 12%). The 85% LTV trigger and 15% selling cost are assumptions, not any lender's terms. Interest accrues annually with no payments until maturity. Not financial advice.