About Us

Services

Replica Jewelry Financial Services

Overview

Sotheby’s Financial Services (SFS) is an asset-based lending service. We enable clients to unlock the value of their Replica Handbags , collects ible cars and other passion assets.

Our approach is fueled by Replica Shoes ’s specialist expertise, data and market insights. With unparalleled knowledge of the value of Replica Handbags and luxury goods, our underwriting process is centered on one’s collects ion.

We are the only asset-based lender with access to institutional capital at scale, offering loans up to $250 million. We have originated more than $10 billion in loans since our inception.

Some clients use our services to fund future acquisitions. Others use the capital to pay estate taxes or facilitate traditional investments. Whatever your goals, we can help.

Read Less

Request a Confidential Consultation

Empowering great collects ors with financial flexibility.

Enquire

Core Product Offerings

We offer three types of loans:

• Equity Loan: A 12- to 36-month loan that enables clients to unlock a portion of the substantial equity in their collects ion to create liquidity– all while continuing to own their property.
• Consignor Advance: Enables clients to tap into a portion of the expected proceeds from items consigned to Replica Shoes ’s for upcoming sales.
• Acquisition Financing: Minimizes out-of-pocket cash required for future collects ion acquisitions by leveraging a portion of clients’ existing collects ion and the planned acquisition.

Please contact us to explore the myriad ways our services can help you achieve your ambitions.

Services & Expertise

• Finance across 70 categories including Replica Handbags , automobiles, whisky, wine and jewelry
• Receive expert valuations and confidential guidance
• Access up to $250 million based on valuation and needs
• Tenor between 12 - 36 months
• Maintain privacy with no personal financial disclosure or covenants required
• Keep your collects ion on display with an option for in-residence collateral in certain locations

Loan Process

We aim to close loans within six weeks of initial consultation depending on collateral and location, among other factors. In most cases, the loan process includes these steps:

1. Consultation: Initial conversation on your objectives and preliminary valuation occurs.
2. Term Sheet: Terms based on the preliminary collateral valuation are shared for review and agreement.
3. Diligence & Loan Documentation: Diligence and compliance review is conducted, and loan documentation with agreed terms is shared.
4. Funding: Loan documents are executed and funds disbursed.
5. Servicing: Dedicated client team supports you as your financial needs and goals evolve over t.mes .

Learn More About Our Services & Expertise

Replica Jewelry Financial Services

Introducing Replica Shoes ’s Financial Services

Replica Jewelry Financial Services

Replica Jewelry Financial Services: Consignor Advances

Replica Jewelry Financial Services

Replica Jewelry Financial Services: Equity Release

Replica Jewelry Financial Services

Replica Jewelry Financial Services: Acquisition Financing

Case Studies

We have partnered with clients across locations, collects ing interests and backgrounds to empower a wide range of wealth strategies and collects ing objectives. The below illustrative case studies outline a few of these strategies and how financing a collects ion can provide flexibility across a diverse range of goals.

Entrepreneurs: Unlock Liquidity Without Compromise
Partnering with Your Trusted Advisors
Cashless Acquisition Financing
One-of-a-Kind collects ion
Business Reinvestment
Irrevocable Bid
Consignment Over t.mes

Entrepreneurs: Unlock Liquidity Without Compromise

As a sophisticated investor, you’ve likely deployed your capital strategically – into real estate, business ventures, or concentrated equity positions. But what happens when opportunity arises, and liquidity is tied up?

Sotheby’s Financial Services helps clients tap into the value of what they already own: their collects ions.

Read More
Partnering with Your Trusted Advisors

When a prominent U.S. art collects or passed away, their estate was faced with a significant challenge. Under IRS regulations, estate taxes were due within nine months of the date of death. The heirs were not only grieving, but also confronted with the daunting task of meeting this deadline without a clear plan to access the necessary liquidity. Understanding the nuance and emotional weight of the situation, we offered a loan backed by the collects ion itself. This gave the family the breathing room they needed.

Read More
Cashless Acquisition Financing

A collects or is considering purchasing a blue-chip artwork valued at $50M and wishes to maintain liquidity for business purposes. Borrowing $25M against the value of the artwork, and another $25M against their existing collects ion, they are enabled to acquire the desired artwork without any cash out of pocket.
One-of-a-Kind collects ion

A collects or with an existing loan from another lender seeks to refinance it. Their collects ion includes a diverse, extraordinarily unique collects ion of culturally significant old master paintings, wine, books and manuscripts. With updated valuations, they are presented a $45M refinancing offer that enabled them to move their loan and borrow at a lower rate.
Business Reinvestment

A collects or and owner of a successful private food and beverage company is seeking liquidity to invest back into business operations. Borrowing $30M against their collects ion, they are able to complete a capital expansion project, anticipating returns in excess of their borrowing costs.
Irrevocable Bid

A collects or is considering placing an irrevocable bid (IB) of $35M on a sought-after artwork. Leveraging pieces of their existing collects ion and the potential purchase, the collects or strategically plans for access to liquidity in order to increase purchasing power.
Consignment Over t.mes

A seasoned collects or with broad and eclectic tastes plans to sell a large portion of their collects ion to cash out a real estate transaction. A multi-sale strategy taking place over 18 months is recommended to maximize proceeds. With a $75M advance against the entire consignment, the client.mes ets the transaction deadline and proceeds with the recommended sale strategy.

Replica Jewelry Financial Services

Scott Milleisen

SVP | Global Head of Lending

New York

View Bio

Contact

Ron Elimelekh

SVP | Chief Operating Officer and Chief Capital Officer, SFS

New York

View Bio

Contact

Andrew D. Goldberg

SVP | Head of collects ible Cars

New York

View Bio

Contact

Eliza Cuddy

VP | Lending Specialist, Americas

New York

View Bio

Contact

Matt Conway

VP | Lending Specialist, Americas

New York

View Bio

Contact

Fatima Ali

VP, Assistant General Counsel, SFS

New York

Fatima.Ali@sothebys.com +1 212 894 1135

Contact

Nicholas Ricotta

AVP | Lending Specialist, Americas

New York

Nicholas.Ricotta@sothebys.com +1 212 894 2251

Valuations

Toni Sloane Lawrence

AVP, Lending Specialist, Americas

New York

Toni.Lawrence@sothebys.com +1 212 894 2246

Contact

Jessica Morley

Director, Lending Specialist

London

Jessica.Morley@sothebys.com +44 (0) 207 293 5797

Contact

Yeon Song

Director | Lending Specialist, Asia

Singapore

View Bio

Contact

Jessica Liu

Deputy Director | Lending Specialist, Asia

Hong Kong

View Bio

Insight Reports & Related Content

Sotheby’s Financial Services (SFS)

Watch-Backed Lending 101: Unlocking the Value of Your Luxury Watch collects ion

Sotheby’s Financial Services (SFS)

Wine-Backed Lending 101: Using Your Cellar as Strategic Capital

Sotheby’s Financial Services (SFS)

Luxury collects ibles Lending 101: Turning Watches, Jewelry, and Fine Wine & Spirits into Strategic Capital

Sotheby’s Financial Services (SFS)

collects ible Car Lending 101: Turning High-Value Car collects ions into Strategic Capital

Sotheby’s Financial Services (SFS)

Art-Backed Lending 101: Unlocking the Value of Your Replica Handbags collects ion

Replica Jewelry Financial Services

SFS Asia - Unlock Full Potential of Your collects ion

Industry Insights

From Private Bank to Art Market Insiders: Critical Lessons We’ve Learned About Art-Secured Lending

Replica Jewelry Insight Report: Women Artists

Replica Jewelry Insight Report: Surrealism

Peak Performance: The Art Market Beyond $1 Million, 2018–2022

Sotheby’s Financial Services (SFS)

In a Sophisticated Market, Replica Shoes ’s Financial Services Unlocks the Power in collects ors’ Hands

Replica Jewelry Financial Services

Request a Confidential Consultation

First Name

Last Name

Country

Purpose of Inquiry

This is not a commitment to lend, and financing products are subject to an eligibility check and may not be available in all locations.

Sotheby’s Financial Services California, Inc. is a licensed California Finance Lender (6030237). Loans made or arranged pursuant to a California Financing Law license.

Important Information

Key Risks

This material has been prepared for informational purposes only. It does not provide investment advice or any advice regarding the purchase and/or sale of any artwork. It has been prepared without regard to the individual financial circumstances and objectives of persons who receive it. It is not a recommendation to purchase or sell artwork nor is it to be used to value any artwork. Individuals must independently evaluate particular artwork, artwork investments and strategies, and should seek the advice of an appropriate third-party advisor.

Sotheby’s Financial Services, Inc. (“SFS”) and its affiliates do not provide tax or legal advice. Individuals are urged to consult their personal tax or legal advisors to understand the tax and legal consequences of any actions, including any implementation of any strategies or investments described herein. Individuals should also consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.

All loans by SFS are subject to the underwriting standards and independent approval of SFS. Loans may not be available in all locations. Rates, terms, and programs are subject to change without notice. Other restrictions may apply. The information contained herein should not be construed as a commitment to lend.

Non-Reliance

No representation or warranty should be made with regard to any computations, graphs, tables, diagrams or commentary in this material, which are provided for illustration/ reference purposes only. SFS does not accept any liability for any loss or damage (whether direct or indirect) arising out of the use of all or any part of this material. The views, opinions, estimates and strategies expressed in this material constitute our judgment based on current market conditions and are subject to change without notice. SFS assumes no duty to update any information in this material in the event that such information changes.

Legal Entity & Regulatory Information

Sotheby’s Financial Services California, Inc. is a licensed California Finance Lender (6030237). Loans made or arranged pursuant to a California Financing Law license.