Launched in 2018, RM Financial Services is a wholly-owned subsidiary of RM Sotheby’s that provides tailor-made loans for high-end collector car and collection owners globally. 

As the largest global auction house in collector cars, we have an in-depth knowledge of the market. By leveraging our expertise, market insight, and valuation expertise, as well as a seasoned leadership team with significant experience in the financial services industry, we are not only able to provide a timely, accurate valuation of your car or collection but also to structure a tailor-made financing solution to meet your financial objectives. 

Primarily focused on providing secured loans above US$250,000 using motor cars as collateral, our services include Consignor Advances, Equity Releases, Acquisition Financing, and Portfolio Loan.

Consignor Advances – Once you have decided to consign your motor car to be sold at one of our auctions or private sales at RM Sotheby's, it could take weeks or months to receive your proceeds depending on the timing of the sale. Through consignor advances, we can provide you with immediate capital and liquidity at the time of consignment, with the balance to be paid after settlement.

Equity Releases – You may have significant capital tied up in a significant collector car, or the market value of your motor car may have grown significantly over time, and you may want to release some of the equity in the motor car based on its current market value to be used elsewhere. We can work with you to value your motor car and create a custom financing solution to meet your financial objectives.

Acquisition Financing/Bridge Loans – If you would like to bid for a motor car at one of our auctions or through private sale, having pre-approved financing in place could give you additional peace of mind on your way to potential ownership. We will be able to outline the potential financing options in advance, giving you the added confidence as a bidder or a buyer.

Portfolio Loan – If you have a collection of cars that you would like to keep, but you have near-term liquidity needs, we are able to structure a tailored financing solution based on the asset value of your collection.

Unparalleled Car Knowledge and Valuation Expertise – We have the largest team of Car Specialists in the industry with in-depth knowledge of various segments within the collector car market. Further, we have in-house appraisers with significant experience and knowledge of collector cars, as well as a global team of dedicated in-house researchers who have exceptional relationships with manufacturers and historians.

Customized, Tailored Solutions – We are capable of structuring creative solutions to solve our clients’ financing needs. We are focused on providing financial solutions for the collection and disposition of the world’s finest motor cars—not pushing volume of standardized lending products—and we are committed to working with you to meet your financing needs and building a long-term relationship.

Quick Decision-Making Process – We lend directly to our clients leveraging our strong balance sheet, as we are not a broker or intermediary. We are therefore able to make quick decisions to meet your needs.