Spey Secured Lending

Open up new lending opportunities backed by luxury assets with our new powerful suite of tools.

Why choose Spey Secured Lending?

Spey Register

We verify collateral against our proprietary database of security interests, shared securely across participating financial institutions.

Expert Assessment

We manage the handling, storage, and assessment of collateral through our merchant network, drawing on expertise across all major luxury asset classes.

Spey Insights

Our AI-driven tools accelerate valuations, lower operational costs, and increase automation across the lending lifecycle.

Luxury asset lending

Without Spey Secured Lending

Entirely manual loan processes that are difficult to automate and scale
No reliable mechanism to check for prior security interests in collateral
Requires building or outsourcing fragmented expertise for collateral handling, assessment, and storage
High operational burden and reputational risk
Lower conversion rates due to limited product flexibility and high underwriting friction
Limited access to a high-margin, underserved market

With Spey Secured Lending

Automation and scalability comparable to unsecured personal loans
Access a shared, permissioned reference layer to verify asset identity and existing security interests
Collateral handling, assessment, and storage through our established network
Clear, auditable collateral status throughout the loan lifecycle to support operational efficiency
Serve borrowers unsuitable for traditional loan products
Unlock higher margins in an underserved market

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

Contact us for more information, or to find out how you can start selling with Spey.

Secured finance
Verified customers
Financing within minutes
+44 020 8242 6305
20 Arlington Street, London SW1A 1RG
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Interested in expanding your luxury lending?

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