Art Backed Lending Platform
Fixed Income Backed by Fine Art
Entry Price Tiering
🟢 Retail / Individual Lender Tier
$5,000 – $50,000 USD per loan
Ideal for yield-seeking investors in a digital marketplace model
Access to fractionalized lending (e.g., pooled exposure or co-funding)
Platform assigns risk ratings (like LendingClub or PeerStreet model)
Returns: 7%–10% fixed yield depending on term and collateral
🟡 Accredited Investor / Small Fund Tier
$50,000 – $500,000 USD per loan
Full loan or major participation in single-loan notes
Custom lending terms, LTV preferences, and priority access
Ideal for boutique funds, family offices, or wealth managers
Loans typically 6–24 months with art held in custody
🔵 Institutional Tier / Lending Fund Commitments
$1 million – $10 million USD (pooled lending facility)
Capital is pooled to back a diversified portfolio of art-backed loans
Receives fund-level income (~8% net annualized returns) with monthly/quarterly payouts
Full reporting, custody transparency, and lien documentation
May co-invest or syndicate deals alongside the platform
Typical Loan-to-Value (LTV) Ratios:
40% – 60% of appraised artwork value
Ensures downside protection
Higher-end blue-chip art receives better terms (lower rates, higher LTV)
Collateral remains in secured vaults with insurance coverage throughout term
Product Type: Peer-to-Peer Lending Marketplace
Audience: Art Collectors, HNWIs, Private Credit Investors
Interest spread (e.g., borrower rate: 12%, investor return: 8%)
Origination and servicing fees
Potential for fund-style lending with pooled capital
Key Benefits
Stable income stream backed by investment-grade art
Asset-backed risk profile with enforced lien and custody
Short- to medium-term duration (6–24 months typical)
Transparent underwriting and valuation processes
Opportunity for investors to diversify into alternative fixed income