— Private Banking
Art & Asset Finance.
Lending against what you would never sell.
— Private Banking
Lending against what you would never sell.
— Minimum facility
€250,000
— LTV (art)
Up to 50%
— LTV (watches/wine)
Up to 60%
— From APR
4.95%
— Overview
Liquidity against fine art, classic vehicles, fine wine, watches, and yacht collateral. Discreet appraisal, custody arrangements, and lending structured to keep the asset where it belongs — with you.
— Features
Senior partnerships with auction houses in London, Paris, and New York for independent valuations. Confidential and fast.
Asset can remain in your possession, in bonded storage, or with our partner vaults — your choice.
No public liens. Nothing on the wall plaque. Nothing on the salesroom record. Standard for our book.
— Asset file
Each pledged asset gets a confidential file with appraisal, photographs, custody terms, and the loan structure — encrypted and accessible only to the principal and named family members.
Open an account →— Documents
Issued, tracked, archived.
DV-ART-04822
PledgedKlimt drawing · 1908
Appraised €580,000 · Bonded storage Geneva
DV-WATCH-04822
PledgedPatek Phillipe 5712P
Appraised €165,000 · Client possession
DV-WINE-04822
PledgedBurgundy cellar · 312 btls
Appraised €440,000 · Bordeaux vault
— Process
Step 01
Inquire
One conversation, one inventory. We sign mutual NDAs at the same time.
Step 02
Appraise
Independent valuation by an auction-house partner. We pay; you keep the report.
Step 03
Structure
Loan terms quoted on the appraised value. Single asset or basket — whichever you prefer.
Step 04
Drawdown
Funds in your Diavulcan account. Asset stays where it is, or moves to bonded storage at your option.
— Key facts
All headline terms shown here. Indicative pricing — your dedicated banker will confirm exact figures based on your relationship and the structure agreed.
Regulated by the Czech National Bank.
Member of EU Deposit Guarantee Scheme.
| Minimum facility | €250,000 |
| LTV (art) | Up to 50% |
| LTV (watches/wine) | Up to 60% |
| LTV (classic cars) | Up to 50% |
| From APR | 4.95% |
| Term | 6 – 36 months |
"We came to Diavulcan in 1996 after our Swiss bank lost track of who we were. Three banks have tried to win us back since. None has come close. The same banker still answers the same line."
— Mr. P. Janáček
Client since 1996 · Praha
— Questions
Will the asset be photographed publicly?
No. Photography is for the file only and remains in our encrypted vault.
What if the value falls during the loan?
Standard top-up terms apply. We always propose options before forcing any sale.
Can I borrow against a single object or a collection?
Both. Many clients pledge a basket to smooth the appraisal volatility on any single piece.
Is the loan visible to my family or accountant?
Only those you authorise. We do not disclose to third parties without explicit instruction.
Have a question we did not answer? Message your banker or write to us directly.
— Related
— Begin
A short conversation is the fastest way to understand whether art & asset finance are the right structure for you. We reply within two business days — usually the same day.