Sotheby's Financial Services

Overview

Sotheby’s Financial Services (SFS) is an asset-based lending service. We enable clients to unlock the value of their fine art, collectible cars and other passion assets.

Our approach is fueled by Sotheby’s specialist expertise, data and market insights. With unparalleled knowledge of the value of fine art and luxury goods, our underwriting process is centered on one’s collection.

We are the only asset-based lender with access to institutional capital at scale, offering loans up to $250 million. We have originated more than $10 billion in loans since our inception.

Some clients use our services to fund future acquisitions. Others use the capital to pay estate taxes or facilitate traditional investments. Whatever your goals, we can help.

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Empowering great collectors with financial flexibility.

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核心产品方案

核心产品方案

我们提供的三种贷款类型:

权益贷款:年期为12至36个月的贷款方案,让客户释放其藏品的部分权益价值,在保留财产同时得以为资金制造流动性。
预付委托人贷款:客户委托苏富比在即将举行的拍卖会出售藏品后,可预先提取部分的拍卖预期收益。
藏品融资:透过杠杆原理运用客户现有收藏及计划购入藏品的部分价值,最大限度降低未来购藏时需要自筹的现金。

欢迎随时联系我们,探索我们如何运用各种方式助您实现理想。

服务与专业能力

服务与专业能力


• 金融服务涵盖70个类别,包括艺术品、汽车、威士忌、洋酒及珠宝
• 获得专业估值及保密咨询
• 根据藏品估值及实际需求,贷款额可高达2亿5000万美元
• 还款年期介乎12至36个月
• 保障私隐,毋须披露个人财务资料或签订任何合约
• 为抵押品提供不同驻地选项,让您的藏品在特定地点展出

贷款流程

贷款流程

我们致力在初步咨询后六周内完成贷款批核,具体时长视乎抵押品、地点及其他因素而定。在多数情况下,贷款流程包括以下步骤:

1. 咨询:就您的目标展开初步对话,并进行初步估值。
2. 制定条款清单:基于初步抵押品的估值拟定条款,供各方审阅及协商。
3. 进行尽职调查与准备贷款文件:进行尽职调查及合规审查,并提供已符合协议条款的贷款文件。
4. 拨付款项:签署贷款文件,拨付货款款项。
5. 客户支持服务:客户服务团队因应您对财务需求与借贷目标的变化,继续提供支持。

Learn More About Our Services & Expertise

Case Studies

We have partnered with clients across locations, collecting interests and backgrounds to empower a wide range of wealth strategies and collecting objectives. The below illustrative case studies outline a few of these strategies and how financing a collection can provide flexibility across a diverse range of goals.

  • 企业家:完全释放资金流动性
  • 与您信赖的顾问携手合作
  • 无现金藏品融资
  • 独一无二的藏品
  • 商业再投资
  • 不可撤回出价
  • 预付寄售贷款
  • 企业家:完全释放资金流动性
    身为精明投资者,您很可能已经有策略性地将资金配置到房地产、商业投资或集中持股等投资项目,但当机会出现时,资金流动性却被锁住,您该如何应对?

    苏富比金融服务协助客户发掘现有资产的价值:收藏品。

    Read More
  • 与您信赖的顾问携手合作
    当美国知名艺术收藏家离世时,所留下的艺术藏品面临重大危机。根据美国国税局规定,遗产税须于死者去世之日起九个月内缴纳,继承人不仅要承受丧亲之痛,更要在缺乏明确资金筹措方案的情况下赶在期限前筹措税款。我们深切理解这种复杂情况和纳税人面对的情感压力,遂提出以艺术藏品本身作为担保的贷款方案,为这个家庭提供所需的喘息空间。

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  • 无现金藏品融资
    一位藏家正考虑购藏一件价值5000万美元的蓝筹艺术品,同时出于商业理由,希望维持资金流动。他以该艺术品的价值作为贷款担保,借款2500万美元,并抵押现有藏品再借款2500万美元,于是藏家得以无需动用任何现金,成功以借款投得心仪的艺术品。
  • 独一无二的藏品
    一位藏家已经从贷款机构借得贷款,但希望再用其他方法融资借款。他的收藏涵盖种类多元的独特文化珍品,包括历史悠久的名家画作、洋酒、书籍、手稿。根据对该收藏的最新估值,藏家获得4500万美元的再融资方案,得以转移原有贷款,并以更低利率取得贷款。
  • 商业再投资
    一位藏家兼成功私营餐饮企业的老板希望资金保持流动,再投放资金于业务营运。他以个人藏品作为贷款担保,借款3000万美元,得以完成资金扩充计划,预期回报会超过借贷成本。
  • 不可撤回出价
    一位藏家正考虑对一件炙手可热的艺术品提出3500万美元的不可撤回出价。透过整合现有收藏和有意购藏物品的价值,藏家有策略性地规划资金流动,提升购买力。
  • 预付寄售贷款
    一位资深藏家收藏兴趣广泛,兼收并蓄,他计划大部分的个人收藏,以筹措房地产交易的资金。为了将收益最大化,他取得为期18个月的多阶段销售策略方案,预先得到7500万美元的寄售贷款,并按建议的销售策略推进,成功在限期前完成藏品交易。

我们的团队

Insight Reports & Related Content

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This is not a commitment to lend, and financing products are subject to an eligibility check and may not be available in all locations.

Sotheby’s Financial Services California, Inc. is a licensed California Finance Lender (6030237). Loans made or arranged pursuant to a California Financing Law license.

  • Important Information
    Key Risks

    This material has been prepared for informational purposes only. It does not provide investment advice or any advice regarding the purchase and/or sale of any artwork. It has been prepared without regard to the individual financial circumstances and objectives of persons who receive it. It is not a recommendation to purchase or sell artwork nor is it to be used to value any artwork. Individuals must independently evaluate particular artwork, artwork investments and strategies, and should seek the advice of an appropriate third-party advisor. 

    Sotheby’s Financial Services, Inc. (“SFS”) and its affiliates do not provide tax or legal advice. Individuals are urged to consult their personal tax or legal advisors to understand the tax and legal consequences of any actions, including any implementation of any strategies or investments described herein. Individuals should also consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.

    All loans by SFS are subject to the underwriting standards and independent approval of SFS. Loans may not be available in all locations. Rates, terms, and programs are subject to change without notice. Other restrictions may apply. The information contained herein should not be construed as a commitment to lend.

    Non-Reliance

    No representation or warranty should be made with regard to any computations, graphs, tables, diagrams or commentary in this material, which are provided for illustration/ reference purposes only. SFS does not accept any liability for any loss or damage (whether direct or indirect) arising out of the use of all or any part of this material. The views, opinions, estimates and strategies expressed in this material constitute our judgment based on current market conditions and are subject to change without notice. SFS assumes no duty to update any information in this material in the event that such information changes.

    Legal Entity & Regulatory Information

    Sotheby’s Financial Services California, Inc. is a licensed California Finance Lender (6030237). Loans made or arranged pursuant to a California Financing Law license.