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 transact 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.
Loan
Property transactions
Providing money for property purchases, home improvements, or bridging the gap between buying and selling.
Loan
Business cash flow
Unlocking funding to help small businesses fund new opportunities, such as stock purchases.
Sell
Inherited or unwanted gifts
Releasing money from pieces passed down or gifted to you, whether they hold meaning or are ready to move on.
Loan
Tax bills
Helping clients manage personal or business tax bills, with funds available quickly when timing matters.
Sell
Unexpected costs
Providing quick access to money for life's unplanned expenses, from home and car repairs to legal fees.
Loan
Private school fees
Helping parents cover their children’s private school fee payments and other education costs.
Sell
Major life events
Releasing value from luxury assets to fund life's big moments, such as weddings or holidays of a lifetime.
Sell
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.
Resources
Insights & guides
Article
What watches go up in value?
Which watches go up in value? Patek Philippe, Audemars Piguet and Rolex top our list. See the latest watch resale analysis in our Q3 2026 update.
What watches go up in value?
Guide
Are Rolex watches a good investment?
Rolex values are up 80% since 2017, but which models perform best as a Rolex investment? Explore resale data, top Rolex investments and what drives Rolex value.
Are Rolex watches a good investment?
Guide
Art finance explained: loans, lenders and market trends
Explore the growing global art-secured lending market, forecast to reach US$42–50 billion by 2027, and the dynamics of fine art collateral loans.
Art finance explained: loans, lenders and market trends
Article
Selling jewellery: auction, jewellers, pawnbrokers & marketplaces
Compare the different ways to sell jewellery and find out which route pays the most, sells the fastest and suits your piece.
Selling jewellery: auction, jewellers, pawnbrokers & marketplaces
Article
Which designer handbags have the best resale value?
Read our luxury handbag resale value comparison guide for clear insights on Hermès, Louis Vuitton, and Chanel resale value returns.
Which designer handbags have the best resale value?
Article
What’s so special about Cartier?
Discover the Cartier history timeline and what makes Cartier special through the stories behind Love, Trinity, Panthère, Juste un Clou, Santos and Tank.
What’s so special about Cartier?
Article
Jewellery resale value report 2026
Does jewellery have high resale value? Our 2026 report analyses 2,000+ real sales across Cartier, Van Cleef & Arpels, Bulgari, Chopard, Tiffany & Co., and Boodles.
Jewellery resale value report 2026
Article
How to spot fake Tiffany jewellery
Learn how to tell if Tiffany jewelry is real or not. As one of the world’s biggest jewellery brands, there is a lot of counterfeit Tiffany jewellery.
How to spot fake Tiffany jewellery
Article
Is it a good time to sell gold?
Wondering when is it a good time to sell gold? With gold prices at historic highs, discover if selling your gold jewellery and assets now is the right option for you.
Is it a good time to sell gold?
Article
How to spot a fake Rolex in 5 minutes
Learn how to spot a fake Rolex. Compare fake Rolex vs real details and how to avoid Rolex super clones in under 5 minutes. Find out if your Rolex is a dupe.
How to spot a fake Rolex in 5 minutes