Unlock more sales

We are ushering in a new era of collecting with our unique short-term financing solution for purchasing fine art and collectibles. Attract new customers, empower enthusiasts, and boost your sales with Spey.

Secured finance

Verified customers

Financing within minutes

Revolutionising art finance: short-term lending for the new generation of collectors

At Spey we're transforming the fine art and collectibles industry by delivering a secure and efficient financing solution to the market. All you need to do is add our link to your eligible item listings, which will take customers straight into our streamlined application portal.

We offer finance on a range of asset classes which we are working to continually increase, in line with our goal to become the definitive lender in the fine art and collectibles market. We are building an automated item evaluation system by leveraging machine learning and AI technologies, that will allow us to offer enhanced pricing discovery and efficiency for you and your customers.

Grow Customer Base

Spey’s short-term finance will appeal to a wide audience, including younger, tech-savvy buyers who prefer flexible payment options. This means increased traffic and an expanded customer base.

Competitive Edge

Spey’s finance will differentiate you from those that only accept traditional payment methods. In a world where technology moves increasingly quickly you will be ahead of the curve in your industry.

Increased Sales

By allowing buyers to improve their cashflow, Spey facilitates increased purchasing power for your customers. This means faster sales, increased commission volume, and potentially higher auction sales prices.

How it works

On eligible item pages on your website buyers will see the option to pay with Spey and be able to begin their application straight away.

Application

Once the buyer has found an eligible item they would like to bid on, or purchase on your website, buyers will see a button to ‘pay with Spey’. This button takes them to our streamlined loan application portal, where they can make their application immediately.

Evaluation

Once the buyer has submitted their application, we will evaluate their suitability for finance and verify the estimated value of the item. The more data you share with us, the quicker we can make a decision, and the more likely that we offer finance.

Payment

After approval the buyer is given their terms. Once the sale price is set the contract can be signed and you receive the full payment, with us paying you c.65% (excluding fees and commissions) and the buyer paying you the balance plus fees.

Post-purchase

The buyer gets a clear overview of their scheduled repayments and payment history in Spey’s application. Every Spey loan is secured on the Ethereum blockchain, ensuring it is traceable, immutable, and free from fraudulent activities.

Details about financing

All of the important details about Spey financing are right here.

Market availability

UK residents

Item value range

£5000-£50000

Eligible asset classes

Paintings, sculpture, furniture, watches, jewellery

Eligible partners

Auction houses, specialist dealers, galleries

Buyer upfront payment

c.35% sale value plus fees

Typical buyer APR

20.5%

Payment term

12 months

First payment date

One month from first drawdown

Time between payments

One month

Payment method

Direct bank transfer

Available from

Q4 2023

Get in touch

Secured finance

Verified customers

Financing within minutes

+44 020 8242 6305

20 Arlington Street, London SW1A 1RG

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Speychain Limited, operating as Spey, is an Introducer Appointed Representative (IAR) of an FCA authorised firm. We are not a credit broker or lender. Our financial promotions are committed to being clear, fair, and not misleading. Please be aware that late repayments of credit can lead to serious money problems and adversely affect your credit rating. For more information and advice, visit . We adhere to GDPR and the Data Protection Act 2018, ensuring your data's security and privacy. For any complaints, contact us at , or escalate to the Financial Ombudsman Service at for unresolved issues.