Sotheby's Financial Services

Finance Your Purchases with Sotheby’s Financial Services

By Sotheby's

Sotheby’s Financial Services is excited to offer acquisition financing to eligible buyers at Sotheby's.

To learn more about the potential financing opportunity for purchases at Sotheby's and SFS, please complete the form below.

 Inquire About Financing

Financing FAQ

Minimum loan amount: $200,000

Qualifying Collateral Value: Lots must have both a low estimate and realized hammer price of at least $400,000

Maximum Loan-to-Value ratio: 50%

Pricing & Payment: Quarterly interest payments

Term: 6 months

Collateral Location: Sotheby’s New York or delivered to SFS’ account at a mutually-agreed warehouse

Please note that Important additional terms, fees, and conditions apply*.

Other Financing Options

Sotheby’s Financial Services also offers longer-term financing to help you leverage your broader collection. To request a confidential consultation, learn more here: or reach out to

*This is not a commitment to lend, and financing products are subject to credit approval and may not be available in all locations. This summary is for informational purposes only, and terms and conditions may change at SFS’s sole discretion. Interested Sotheby’s clients should ensure that they fully understand the terms and conditions of any financing product before borrowing. Financing is subject to customary representations, warranties, terms and conditions including but not limited to the following conditions prior to funding: execution of definitive loan and security agreement by the parties, completion of all due diligence with respect to the borrower including relevant borrower ID and documentation, receipt of insurance certificate evidencing all-risk coverage over all collateral and naming SFS as sole loss payee and additional insured, and filing of applicable financing statements. The financing program described above is a secured loan facility. Purchasers who take advantage of this financing program agree that Sotheby’s or one of its affiliates may sell the collateral artwork if the loan is in default, for which Sotheby’s may earn customary auction house fees and commissions. Please ask your SFS representative for full details.

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