Frequently asked questions
How can we help you?
How can we help you?
Spey finance makes collecting easy by providing financing services tailored to the needs of collectors.
Our fast, secure, and user-friendly process is designed to enhance the collecting experience.
Our partners accept a broad range of luxury assets, including fine art, antiques, sculptures, paintings, designer furniture, luxury watches, and jewellery, typically valued at £1,000 or more.
The range of assets we accept is always expanding and if you’d like to finance another type of collectible then contact us as we may still be able to offer you finance.
Spey Insights speeds up finance applications by enabling fast verification of your item’s eligibility for finance. Rather than relaying on a time-consuming manual appraisal, the Spey Insights technology employs machine learning (ML) to analyse information relevant to the item and allows us get back to you quickly with an approval decision.
You don’t need to do anything to take advantage of Spey Insights as it’s automatically used when processing your application.
Yes, Spey is a trading name of Speychain Limited, which operates under the regulation of the Financial Conduct Authority (FCA) as an appointed representative of ITC Compliance Limited and our FCA reference number is 1022125.
Spey Register is a secure digital record for collectors and businesses to register and manage high-value assets such as art, collectibles, and luxury items. It provides a trusted way to document ownership, provenance, and key asset details in one place, helping to simplify financing, sales, and collection management. By creating a structured record of an asset, Spey Register supports transparency and can make it easier to unlock liquidity or access financing solutions through the Spey ecosystem.
If you're interested in using Spey Register then please Contact us.
Collectors and businesses that hold valuable physical assets such as art, collectibles, and luxury goods and want a secure way to document ownership, track provenance, and organise important asset information. By maintaining a verified digital record, users can more easily manage their collections and potentially access financing, insurance, or sale opportunities through the broader Spey ecosystem.
Lending institutions are provided with a structured digital record of an asset’s ownership, details, and provenance, helping them to assess collateral more efficiently and with greater transparency when considering asset-backed financing. This supports smoother lending decisions and helps connect borrowers and lenders within the Spey ecosystem.
Spey Secured Lending is a service designed to make offering secured loans as simple and automated as providing personal loans. By combining advanced technology, reliable asset verification, and a trusted network of specialists, it enables lenders to safely expand into a traditionally underserved segment of the lending market.
If you're interested in using Spey Secured Lending to boost your luxury asset lending then please Contact us.
Lending institutions such as banks who would like to better server their customers with loans back by luxury assets.
Spey Pay enables our partners' collectors to take immediate ownership and pay in equal monthly instalments over 12–60 months on purchases of up to £50,000 at competitive interest rates, while providing you with affordable financing options that drive faster sales, increase average order values, and offer an easy, low-cost setup with our reputable lending partners.
If you're interested in offering Spey Pay to your collectors then please Contact us.
Spey Pay is designed to be offered by merchants, dealers, retailers, auction houses, and galleries operating in the art, collectibles, and luxury sector.
If you're interested in offering Spey Pay to your collectors then please Contact us.
Collector Loan is a bespoke financing solution for high-net-worth individuals, offering competitive rates, terms of up to 12 months, and allowing you to borrow up to 60% of the value of your assets to enhance liquidity, fund acquisitions, bridge ahead of a sale, meet tax or home-improvement costs, or unlock capital for new investment opportunities without selling your collection.
If you're interested in Spey Collector Loan then please Contact us.
Spey business loans are a flexible financing solution for businesses in the art, collectibles, and luxury assets sector with competitive rates, adaptable terms, and the ability to borrow against assets such as inventory to fund stock acquisition, support investments, bridge to financial events, or meet tax obligations without disrupting operations.
If you're interested in a Spey business loan then please Contact us.
We do not sell, rent, or share your personal data with third parties for marketing purposes. Your information is used solely for the purposes of processing your loan and providing you with the best possible service.
In some instances, we may need to share your data with trusted partners and service providers who assist us in delivering our services. However, we ensure that these third parties are bound by strict confidentiality agreements and only use your data for the specific purposes outlined in our agreement with them.
If you have any further questions about how we use your data, you can view our Privacy Policy.
We employ the latest data encryption technology as well as industry-standard security measures to protect your personal data from unauthorised access, loss, or misuse. Our robust security protocols ensure that your information is safe with us.
Contact us directly at info@speyfin.com to request data deletion. To do so, you may use the Subject Access Request Form.