Lucaria.Capital
Lucaria · Products · Fine Art & Collectibles
$250K – $25M+

Fine Art & Collectibles

Commercial credit secured by entity-held fine art, classic cars, and significant collections — structured non-possessory, so the works stay on your walls and in your garage while their equity goes to work.

Read the free guides first
A private gallery wall — the collection stays in place while its equity works.
On your wall, and working.

Who it’s for

  • Collectors funding a new acquisition — at auction speed — without selling anything.
  • Owners who want liquidity from the collection for business or investment use, quietly.
  • Estates and holding entities bridging tax or settlement timelines against the collection’s value.

Why Lucaria

  • Non-possessory as the default — a UCC-1 filing and insurance, not a vault.
  • Underwritten on the collection, not your financials — minimal disclosure.
  • Priced as annual credit, far below the monthly rates of possession lenders.
Market bands, told straight

Honest numbers

Art lending is quietly standardized. The honest bands:

Advance rate
typically 40–50% of appraised value — up to 50–65% for blue-chip works and classic cars with strong comparables
Terms
12 months to 3 years, renewable — revolving structures on larger collections
Pricing
annual rates in the high single digits to low double digits — above a bank line, far below possession lenders charging 2–4% per month
Timeline
2–6 weeks; 1–2 with clean provenance and current condition reports

Bands, not a quote. Appraisals set lendable value — provenance, condition, and clear title move both speed and price, and any custody exception is disclosed before you commit.

How we structure it

Structured so the collection never moves

We are experienced in structuring credit for the entities our clients actually use — LLCs, trusts, partnerships, and holding companies. The asset stays where it belongs — in your hangar, on your wall, at your dock — while its equity goes to work.

  • UCC-1 filing plus insurance endorsements — the legal mechanics of non-possession, explained plainly before you sign
  • Title vested in LLCs, trusts, and family entities as standard
  • Independent appraisals establish lendable value — we manage the appraisal process
  • Borrow-versus-sell math done in public: a sale triggers collectibles gains tax of up to 28%; a loan does not
The honest read

Why banks say no — and why that isn’t the end

  • Banks can’t hold art as collateral in any practical way — the loan officer has no box for it.
  • Private banks lend against collections — for clients who move their portfolios in. The art is the hook, not the loan.
  • The $250K–$1M band sits beneath the big auction-house lenders’ minimums and above local options.
Adjacent lanes

Where this connects

Fund Finance$10M – $250M+Collectors who are also GPs often pair collection credit with fund-level facilities.Luxury Residential$2M – $30MThe residence the collection hangs in can carry entity-held credit of its own.
Common questions

Fine Art & Collectibles, answered straight.

Does the art have to leave my home?
Usually not. The default structure is non-possessory: the lender takes a UCC-1 filing and insurance endorsements, and the works stay on your walls. A small number of single-work or jurisdiction situations require custody — if yours does, we tell you before you commit to anything.
How is the collection valued?
Independent appraisals set the lendable value — typically two, from recognized appraisers. Provenance, condition reports, and clear title move both the speed and the number, and we manage that process.
What can I borrow against?
Fine art, classic cars, and significant collections with an established market and documented provenance. Single works of consequence or a whole collection under a revolving structure.
Why borrow against the collection instead of selling?
A sale is a taxable event — collectibles gains are federally taxed at up to 28% — and the piece is gone. A loan releases capital while the collection stays intact and keeps appreciating. We coordinate the borrow-versus-sell math with your tax counsel.
How much financial disclosure is required?
Less than almost any other credit — the collection is the underwriting. Asset-focused lenders require minimal financial disclosure, which for many collectors is half the point.
Why is this a business loan?
The collection is held in an LLC, trust, or family entity, and proceeds are used for business or investment purposes. This is commercial, entity-level credit — never financing for personal, family, or household use.
No obligation

Tell us what you need.

No credit pull to start. We’ll show you the honest options for fine art & collectibles — and if borrowing isn’t the answer, we’ll say so.