HOW SALE ADVANCE WORKS
A fast and simple process
Get immediate funding against a luxury asset you want to sell, while we handle the sale process for you.
Auction and private sales
Sale advance loans
- Immediate cash advance ahead of a sale
- Sell through the best sales channel
- Leverage our buyer and saleroom relationships
Sell with us
Tell us what you need and we'll find you the perfect solution.
Terms
Loan amount
From £40,000 (asset dependent)
Loan term
Up to 12 months
Loan to value ratio
40% to 50% of reserve amount
Sales commission
10 - 20% (asset dependent)
Key features
- Immediate cash advance
- Further advance after the sale
- Fully managed sale
- Select items accepted
- Leverage our buyer and saleroom relationships
- No impact on your credit score
- Best for sellers who want a high return
- Balances value and timing
- Free home collection service
- Valuations compared from multiple sales channels
Valuation
Our experts and network of auction houses and external valuers value, authenticate and confirm ownership of your asset.
Agreement
We agree the estimated sale price and sales channel, then consign your asset for sale.
Advance
Once the contracts are signed, you immediately receive a cash advance of 40% to 50% of the reserve price.
Sale
The sale takes place within 3 to 12 months and the proceeds are distributed. If it does not sell, we will discuss next steps with you.
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GET IN TOUCH
Get started
Get in touch with our team for a free quote and start raising money on your luxury assets today. It only takes a few minutes to get started.
LUXURY RESELLERS
Why sell with us
A luxury resale service for selling your luxury items, trusted by clients across the UK for fast, flexible funding.
Average payout time of 5 hours
Appointments usually take 30 to 60 minutes, with cash in your bank on average within 5 hours of the agreement being finalised.
36,000+ items purchased since 2010
We have purchased and rehomed thousands of luxury items, giving them a second life and creating a more sustainable future.
£300m+ paid to clients since 2010
We have paid clients over £300 million against through loans and sales, with individual payouts from £250 to over £500,000.
60,000+ clients served since 2010
Trusted by thousands of clients to access quick, discreet funding on luxury assets, from single items to large collections.
3 London stores and offices UK Wide
Three central London stores, plus private offices in regions across the UK available by appointment for high value sales (over £40,000).
30% of clients sell to us from home
Clients across the UK sell to us from home, with free and insured home collection or visits and agreements issued digitally.
WHY CLIENTS USE US
Turning luxury into solutions
Clients use our services to access funding quickly, manage inconsistent cash flow, bridge financial gaps, or fund new opportunities.
Property transactions
Providing money for property purchases, home improvements, or bridging the gap between buying and selling.
Business cash flow
Unlocking funding to help small businesses fund new opportunities, such as stock purchases.
Inherited or unwanted gifts
Releasing money from pieces passed down or gifted to you, whether they hold meaning or are ready to move on.
Tax bills
Helping clients manage personal or business tax bills, with funds available quickly when timing matters.
Unexpected costs
Providing quick access to money for life's unplanned expenses, from home and car repairs to legal fees.
Private school fees
Helping parents cover their children’s private school fee payments and other education costs.
Major life events
Releasing value from luxury assets to fund life's big moments, such as weddings or holidays of a lifetime.
Luxury purchases & investments
Funding a new purchase, an upgrade to a collection, or freeing money tied up in luxury investments.
YOUR QUESTIONS ANSWERED
Frequently asked questions
Everything you need to know about borrowing against your luxury assets.
Do you have an example of a sale advance loan?
A collector owns a blue chip artwork. We approached five auction houses on their behalf, with valuations ranging from £350,000 to £500,000 and sale timings of around six to eleven months. The client chose to sell in the UK in six months, at a valuation of £450,000. They received an immediate advance of 50%, so £225,000, then a further £137,250 once it sold, taking the total to £362,250. Selling directly, the client would have returned around £382,500 but would have waited over six months for payment.
What luxury assets are accepted for sale advance?
We accept blue chip luxury assets across these categories for sale advance loans, with a minimum value of £50,000.
- Fine art
- Fine wine
- Classic cars
- Watches
- Jewellery
What happens if my item sells for more than expected?
You benefit from the higher price. Whatever it sells for, you receive the full amount, less the advance we have already paid you and our sales commission.
What is the difference between your loan and sale options?
A pawnbroking loan suits someone who wants to raise money against a luxury asset temporarily while keeping ownership. A sale advance suits someone who has decided to sell an asset better suited to a sales channel such as an auction house, like fine art, but wants immediate funding ahead of the sale. An outright sale suits someone who wants to sell their item and receive payment straight away, which is not available on certain assets such as fine art and classic cars.
How quickly can I receive the advance?
It usually takes two to three working days to outline the best sales channel and approach the right consignment partners for preliminary estimates. It is not as quick as our other services, which often offer same day payment, as we take the time to find the best route for your item.
What happens if my item does not sell?
If your item does not sell at the chosen channel and reserve price, we will discuss the options with you. These may include adjusting the reserve or trying an alternative sales channel.
UK and London Pawnbrokers
Luxury assets we accept
We provide our services on a wide range of luxury assets. Examples of the items we commonly accept are shown below. If you are unsure about your asset, please contact us.
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