Sale Advance Loans

In association with Lyon & Turnbull

If you’re planning to sell an item at auction, you can now receive funds ahead of the sale.

We’ve partnered with Lyon & Turnbull, one of the longest established auction houses in the UK, to offer Sale Advance Loans.

Whether you have an artwork or an antique to sell, you can secure a loan for up to 50% of your item’s mid-auction estimate, up to 6 months ahead of the auction date.

With a Sale Advance Loan, you can wait for the optimum time to sell, while enjoying instant liquidity from your asset.

Why take out a Sale Advance Loan?

– Our loans are simple and straightforward, with flexible terms
and low interest rates.
– Liability is strictly restricted to the item, with no extensive
bank checks.
– The process is quick and hassle-free, and loans are confirmed
with one electronic agreement.

How it Works

1. Submit your item
Tell us about your item by emailing or by calling 020 76658307. Our experts will appraise and value your item.

2. Receive loan offer
We will send you an offer in 3-5 working days, based on the appraisal of the item and the length of term required.

3. Receive funds
When you accept the loan offer and sign the agreement, we will wire the funds directly into your bank account within 24 hours.

4. Sell your item
When the item is sold at auction, the loan is repaid from the proceeds and the balance of funds is transferred directly to you.


What are the interest rates and charges?
The average interest rate for a Sale Advance Loan is 1.5% per month and 10% of the sale price. Interest rates and charges are dependent on the size of the loan and will be confirmed in your loan offer.

Where is my item stored during the loan?
Once the loan is agreed, your item will be stored at Lyon & Turnbull for the duration of the loan.

What happens if my item does not sell at auction?
If the item does not sell at the agreed auction, we will consult with you about the best course of action. Depending on the item, we will make a recommendation to take the item to a second auction or to conduct a private sale.


Who is Lyon & Turnbull?
Operating since 1826, Lyon & Turnbull are one of the longest established fine art and antiques auction houses in the United Kingdom. With locations in London, Edinburgh and Glasgow, Lyon & Turnbull hold approximately 35 auctions a year, spanning a wide range of art and antiques categories. For more information, please visit

Where can I find out more about Sale Advance Loans?
If you have any further questions, we’ll be happy to help. Please email or call 020 76658307 to speak to one of our experts.

How do I apply for a Sale Advance Loan?
To apply, simply send us details about your item, by emailing or by calling 020 76658307.