Private fine art lending
Loans against fine art
Access loans from $50,000 to $5 million secured against eligible fine art, without selling the works you want to keep.
ALYRA lends against established, contemporary and collectible works, subject to provenance, condition, artist market and saleability.
Licensed pawnbroker · Specialist response usually within one business day
Keep your art
A loan, not a sale.
A work of art can hold significant value while remaining something you want to keep.
ALYRA lends against fine art so you can access funds without parting with it. Your work is assessed privately, held securely for the agreed term, and returned once the loan is repaid.
No auction. No public listing. No obligation.
What we lend against
Art we lend against.
ALYRA lends against fine art with clear ownership, sound provenance and proven market demand, across the categories below.
Strong provenance and a established artist market typically support the strongest terms. If your work is not listed, you are still welcome to enquire.
Loan range
How much you can borrow.
Loans range from $50,000 to $5 million. The amount available depends on the work and its suitability as loan security.
A specialist will review the artist, provenance, condition, documentation and current market demand before any offer is made.
Specialist assessment
What we assess.
Every work is reviewed individually.
- Artist & attribution
- Condition
- Provenance
- Documentation
- Exhibition history
- Rarity
- Market demand
- Title & ownership
- Authenticity
How it works
From confidential enquiry to work return.
A simple, private process from first enquiry to the return of your work.
- 01
Share your work details
Submit photos, key details and any documents you have. ALYRA reviews your enquiry privately and confirms whether the work is suitable for assessment.
- 02
Receive a specialist assessment
A specialist reviews the work's condition, documents, value, authenticity and market demand.
- 03
Review your loan offer
If approved, you receive a written offer setting out the loan amount, fees, interest, repayment terms and redemption rights before you proceed.
- 04
Repay and retrieve your work
Your work is held securely during the loan term and returned once the loan is repaid under the agreed terms.
Security & custody
Securely held until repayment.
When a loan proceeds, your work is documented on arrival, photographed and held in secure custody for the agreed term. Insurance may apply while it is held, subject to policy terms, asset approval, valuation limits and custody conditions.
You remain the owner throughout. ALYRA holds the work only as security for the loan.
Custody process
- 1Documented on arrivalThe work is received, identified and reviewed against available documents.
- 2Photographed & cataloguedIts condition and details are photographed and recorded before custody.
- 3Held in secure custodyThe work is held securely for the agreed loan term, subject to custody and insurance terms.
- 4Returned after repaymentOnce the loan is repaid under the agreed terms, the work is returned to you.
Discretion
Handled in confidence.
Your enquiry is private from the first contact.
Your work is never listed, marketed or sent to auction. You deal confidentially through assessment, custody and completion.
Your options
Borrow or sell privately.
Borrowing may suit clients who want access to funds while keeping ownership of their work during the loan term.
If you are ready to sell permanently, ALYRA may also provide a private purchase offer where available. Any decision to sell is considered separately from borrowing.
Your specialist
Speak with a specialist.
Eden John leads ALYRA's valuation process, with experience across high-value watches, jewellery, diamonds, and collectible assets for private clients.
From first enquiry to completion, you deal directly and confidentially.
Speak With a Specialist →Questions
Common questions.
Everything else is explained privately before you proceed. Speak with a specialist about your work in confidence.
Request a Confidential Valuation →Can I borrow against a painting?
Yes. ALYRA considers paintings and other fine art for lending, subject to artist, provenance, condition, documentation, market demand, valuation and approval.
Do I need provenance documents?
Provenance, receipts and certificates of authenticity help establish value and can support stronger terms. They are not always essential. Tell us what you have.
What if I have lost the paperwork?
It is still worth enquiring. A specialist can assess the work on its own merits, and provenance can sometimes be researched.
How do you confirm a work is authentic?
Each work is reviewed by a specialist, with reference to provenance, catalogues raisonnés and expert opinion where needed.
Do I keep ownership of my artwork?
Yes. You remain the owner. ALYRA holds the work only as security until the loan is repaid.
Can I repay early?
Yes. Early repayment terms are set out in your offer before you proceed.
Which artists do you accept?
ALYRA considers established, contemporary and collectible works across many artists and movements. If yours is not listed, you are welcome to ask.
What happens if I do not repay?
Your artwork is at risk if repayment obligations are not met. The consequences of non-repayment are set out in your written loan terms before you proceed.
Confidential enquiry
Request a confidential valuation.
Submit your work details for private review. An ALYRA specialist will assess the information and contact you confidentially, typically within one business day.
Your details are reviewed confidentially and are not used to publicly list, market or sell your work.
Request received.
Thank you. Your enquiry has been received. A specialist will review the information and contact you privately, typically within one business day.