Sale Advance Loans

In association with COIN



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

We’ve partnered with Coin to offer our clients the opportunity of a Sale Advance Loan. 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. This solution allows you to release liquidity from your asset while you wait for the optimum time to sell.

Our Sale Advance Loans are provided by Coin, an FCA-approved, UK company. Coin offers simple and straightforward loans, 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.


Visit COIN



How it Works


  1. Submit your item
    Coin and Lyon & Turnbull will appraise and value your item.
  2. Receive loan offer 
    Coin will send you an offer, based on the appraisal of the item and the length of term required. Your item is stored.
  3. Receive funds 
    When you accept the loan offer and sign the agreement, Coin will wire the funds directly into your bank account within 24 hours.
  4. Your item is sold at auction
    Your item is stored at our secure facility until the auction date. Upon sale, the loan is repaid from the proceeds and the balance of funds is transferred directly to you. 



Frequently Asked Questions


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

Once the loan is agreed, we will store your item at our secure facility for the duration of the loan.

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.

Coin are a boutique finance firm, providing loans secured exclusively against art and luxury assets. Based in London, Coin’s team of experts have over 50 years of experience in asset-based lending. The company is regulated by the FCA and all business is conducted in strict accordance with its guidelines.

If you’re already in touch with a member of the Lyon & Turnbull team, please ask them about Sale Advance Loans. If you’re a new client, please contact your local team. You can find the contact details for our offices on our Locations page.


Find Out More

For further information and confidential advice 


EDINBURGH | 0131 557 8844



EDINBURGH | 0131 557 8844



LONDON | 0207 930 9115