Fine Art Collateral Loans.
Non-Recourse. No Credit Check.
Unlock the equity in your art collection without selling a single piece. NON-FUGAZI provides non-recourse, art-backed loans for collectors, estates, and family offices — secured by fine art, evaluated on merit.
Art We Lend Against
Don't see your category? Contact us — we evaluate all significant works on a case-by-case basis.
Private Finance, Without the Theatre
Our loans are non-recourse — the artwork is the only collateral. Your other assets, income, and credit are never at risk.
Your loan is secured by the artwork. Your financial history, income, and personal assets are completely irrelevant.
Every inquiry and transaction is handled in strict confidence. We do not disclose client relationships.
Repay early at any time. Your asset is returned within five business days of settlement.
Art Loan FAQ
A non-recourse loan means the artwork is the only collateral. If the loan is not repaid, the lender's only remedy is the artwork itself — your other assets, bank accounts, real estate, and income are never at risk. This is the standard structure for art-backed lending and a key reason collectors prefer it over traditional financing.
Loan-to-value ratios typically range from 40–60% of the appraised fair market value, depending on the artist, medium, provenance, and current market liquidity. Our minimum loan is $25,000. We evaluate each piece individually.
No. We evaluate the asset, not the borrower. Your credit history, income, or financial statements are irrelevant to our lending decision.
From initial inquiry to funded loan typically takes 24–72 hours, depending on whether an independent appraisal is required. We can often move faster for well-documented works by established artists.
Your work is transported via insured white-glove art handling and stored in a climate-controlled, museum-grade facility. It is insured at full replacement value throughout the loan term.
Yes. There are no prepayment penalties. You may repay the principal at any time and your work will be returned within five business days of settlement.
Ready to Unlock Your Collection?
Submit your inquiry and receive a no-obligation term sheet. No credit check. Complete discretion.
Begin Your Application →