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.

收起
展開

Request a Confidential Consultation

Empowering great collectors with financial flexibility.

Enquire

核心產品方案

核心產品方案

我們提供的三種貸款類型:

權益貸款:年期為12至36個月的貸款方案,讓客戶釋放其藏品的部分權益價值,在保留財產同時得以為資金製造流動性。
預付委託人貸款:客戶委託蘇富比在即將舉行的拍賣會出售藏品後,可預先提取部分的拍賣預期收益。
藏品融資:透過槓桿原理運用客戶現有收藏及計劃購入藏品的部分價值,最大限度降低未來購藏時需要自籌的現金。

歡迎隨時聯繫我們,探索我們如何運用各種方式助您實現理想。

服務與專業能力

服務與專業能力


• 金融服務涵蓋70個類別,包括藝術品、汽車、威士忌、洋酒及珠寶
• 獲得專業估值及保密諮詢
• 根據藏品估值及實際需求,貸款額可高達2億5000萬美元
• 還款年期介乎12至36個月
• 保障私隱,毋須披露個人財務資料或簽訂任何合約
• 為抵押品提供不同駐地選項,讓您的藏品在特定地點展出

貸款流程

貸款流程

我們致力在初步諮詢後六週內完成貸款批核,具體時長視乎抵押品、地點及其他因素而定。在多數情況下,貸款流程包括以下步驟:

1. 諮詢:就您的目標展開初步對話,並進行初步估值。
2. 制定條款清單:基於初步抵押品的估值擬定條款,供各方審閱及協商。
3. 進行盡職調查與準備貸款文件:進行盡職調查及合規審查,並提供已符合協議條款的貸款文件。
4. 撥付款項:簽署貸款文件,撥付貨款款項。
5. 客戶支援服務:客戶服務團隊因應您對財務需求與借貸目標的變化,繼續提供支援。

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.

  • 企業家:完全釋放資金流動性
  • 與您信賴的顧問攜手合作
  • 無現金藏品融資
  • 獨一無二的藏品
  • 商業再投資
  • 不可撤回出價
  • 預付寄售貸款
  • 企業家:完全釋放資金流動性
    身為精明投資者,您很可能已經有策略性地將資金配置到房地產、商業投資或集中持股等投資項目,但當機會出現時,資金流動性卻被鎖住,您該如何應對?

    蘇富比金融服務協助客戶發掘現有資產的價值:收藏品。

    Read More
  • 與您信賴的顧問攜手合作
    當美國知名藝術收藏家離世時,所留下的藝術藏品面臨重大危機。根據美國國稅局規定,遺產稅須於死者去世之日起九個月內繳納,繼承人不僅要承受喪親之痛,更要在缺乏明確資金籌措方案的情況下趕在期限前籌措稅款。我們深切理解這種複雜情況和納稅人面對的情感壓力,遂提出以藝術藏品本身作為擔保的貸款方案,為這個家庭提供所需的喘息空間。

    Read More
  • 無現金藏品融資
    一位藏家正考慮購藏一件價值5000萬美元的藍籌藝術品,同時出於商業理由,希望維持資金流動。他以該藝術品的價值作為貸款擔保,借款2500萬美元,並抵押現有藏品再借款2500萬美元,於是藏家得以無需動用任何現金,成功以借款投得心儀的藝術品。
  • 獨一無二的藏品
    一位藏家已經從貸款機構借得貸款,但希望再用其他方法融資借款。他的收藏涵蓋種類多元的獨特文化珍品,包括歷史悠久的名家畫作、洋酒、書籍、手稿。根據對該收藏的最新估值,藏家獲得4500萬美元的再融資方案,得以轉移原有貸款,並以更低利率取得貸款。
  • 商業再投資
    一位藏家兼成功私營餐飲企業的老闆希望資金保持流動,再投放資金於業務營運。他以個人藏品作為貸款擔保,借款3000萬美元,得以完成資金擴充計劃,預期回報會超過借貸成本。
  • 不可撤回出價
    一位藏家正考慮對一件炙手可熱的藝術品提出3500萬美元的不可撤回出價。透過整合現有收藏和有意購藏物品的價值,藏家有策略性地規劃資金流動,提升購買力。
  • 預付寄售貸款
    一位資深藏家收藏興趣廣泛,兼收並蓄,他計劃大部分的個人收藏,以籌措房地產交易的資金。為了將收益最大化,他取得為期18個月的多階段銷售策略方案,預先得到7500萬美元的寄售貸款,並按建議的銷售策略推進,成功在限期前完成藏品交易。

我們的團隊

Insight Reports & Related Content

Request a Confidential Consultation

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.