Art Money

What Art Money does

Art Money is an art-focused fintech company founded in 2015 and headquartered in Chippendale, Sydney, that provides buy-now-pay-later financing for art purchases. The platform enables individual art collectors to pay for artworks through interest-free monthly installments at a network of more than 2,000 partner galleries across Australia, New Zealand, the United Kingdom, and the United States. As of February 2023 the company reported 8,300+ collectors and 20,400+ artworks transacted globally, and it is commercially positioned to galleries as a way to close sales they would otherwise lose to affordability constraints while paying artists immediately.

The company's product portfolio centers on Art Money Interest Free, a 10-installment interest-free BNPL product for partner-gallery purchases, complemented by Art Money Buyer's Premium (a flat monthly-fee product for non-partner and auction purchases), Art Money Verified Buyer (an AML/KYC compliance passport for UK and EU art buyers), and Art Money Credit (a revolving line of credit between $500 and $100,000 originated by Hatch Bank, a California-chartered industrial bank). Underlying technology includes automated algorithmic credit decisioning, biometric face ID verification, encryption-based cloud storage, and integrations with country-specific credit bureaus (Equifax in Australia, Veda Advantage in New Zealand, Experian and TransUnion in the UK). Art Money Pty Ltd holds Australian Credit Licence 470221 under ASIC regulation.

The business model combines a marketplace-commission revenue stream — galleries pay Art Money up to 10% of the financed transaction — with flat monthly fees from the Buyer's Premium service. Go-to-market is driven primarily through a channel-partner motion via galleries and art fairs, supplemented by direct-to-consumer content marketing, social media, and the Art Money Insider newsletter. The company is backed by Christie's Ventures (non-control minority equity stake, February 2023) and 135 early-stage investors. In August 2024 Art Money paused operations after running out of capital amid a global art market downturn and rising interest rates, with founder and CEO Paul Becker launching a $5 million emergency funding round to stabilize and resume the business.

Name

Art Money

Legal name

Art Money Pty Ltd

Website

https://artmoney.com

Company type

Private

Founded year

2015

Operating status

Operating

Headcount range

11–50 employees

Short description

Art Money is an Australian-founded fintech that offers buy-now-pay-later financing for art purchases at 2,000+ partner galleries across Australia, New Zealand, the UK, and the US, serving individual art collectors and galleries via 10-month interest-free installment plans originated by Hatch Bank.

Ownership category

akta.pro rank

Product category

Art Financing Services

NAICS

Art Dealers (459920)

akta.pro primary industry

Art Galleries & Exhibition Spaces (Commercial & Nonprofit) (THAJADAH)

Keywords

• Art financing services
• Buy now pay later
• Interest free installments
• Art market fintech
• Collector credit products

Headquarters

HQ city

Chippendale

HQ country

Australia

HQ region

Oceania

Offices4 records

Markets served

GTM type

B2C

Offering type

Services

Cost components

Personnel, Technology or R&D, Marketing or Sales, Operations, Infrastructure

Revenue model

1. Partner Gallery Commission: Partner galleries pay a commission of up to 10% to Art Money, which enables the interest-free business model. In return, Art Money pays galleries within 10 business days and artists can get paid immediately.
2. Buyer's Premium Service: For purchases outside partner network, Art Money charges a flat monthly fee for the Buyer's Premium service, enabling purchases from any art seller globally

Pricing tiers

Go-to-market motion2 records

Distribution channels3 records

Marketing channels5 records

Core offering

Art Money is an art-focused fintech platform that provides buy-now-pay-later financing for art purchases. The company enables collectors to buy artworks from 2,000+ partner galleries through 10 monthly interest-free payments, with credit originated by Hatch Bank. The platform also serves galleries and auction houses by allowing them to offer financing to their customers, ensuring artists and galleries are paid immediately while buyers spread costs over time.

Product overview

Art Money is an art-focused fintech company offering a portfolio of buy-now-pay-later products for purchasing art. The core offering consists of Art Money Interest Free (10 monthly interest-free payments at 2,000+ partner galleries) and Art Money Credit (revolving line of credit from $500 to $100,000). Additional products include Art Money Buyer's Premium (flat monthly fee for non-partner purchases, currently AU-only) and Art Money Verified Buyer (AML/KYC compliance passport). For art sellers, the platform provides access to financing that helps unlock sales. Credit products are originated by Hatch Bank. The company operates across US, UK, Australia, and New Zealand.

Differentiator

Problem solved

Functional benefit

Brands

• Art Money Interest Free: Buy from 2,000+ partner galleries in 10 monthly payments, interest-free.
• Art Money Buyer's Premium
• Art Money Verified Buyer

Products and services

• Art Money Interest Free Primary buy-now-pay-later product enabling art purchases at 2,000+ partner galleries through 10 monthly interest-free payments, with a minimum 10% deposit required. For artworks $1,000 to $100,000+.
• Art Money Buyer's Premium Financing option for purchasing from any art seller globally (not limited to partner galleries) at a flat monthly fee. Designed for auction purchases and negotiated prices. Currently available to Australian collectors only.
• Art Money Verified Buyer AML/KYC compliance verification service functioning as an 'art passport' for buyers, enabling streamlined identity verification across UK and EU art purchases.
• For Art Sellers Service enabling art sellers (galleries, auction houses, platforms) to offer Art Money financing to their customers, unlocking additional sales potential by providing interest-free payment options.
• Art Money Credit Revolving line of credit between $500 and $100,000 for art purchases, repaid over 10 monthly installments. No APR, no account keeping fees, no annual fee, and no early repayment penalty. Originated by Hatch Bank.

Quantifiable outcome

• 8,300+ collectors globally have used Art Money
• +2 more outcomes

Named customers11 records

Segments3 records

Ideal customer profiles2 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration5 records

AI capability2 records

Feature3 records

Partnerships

One partnership is on record.

• ArcualminorStrategic or Co-development PartnerArt Money partnered with Arcual to expand services and capabilities.

Scale indicators6 records

Recent moves6 records

Expansion highlights5 records

Market position

Strengths4 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

• Xx.com/artmoney_global
• Facebookfacebook.com/artmoneyint
• LinkedInau.linkedin.com/company/artmoney
• Instagraminstagram.com/artmoney.global

Compliance2 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

Funding overview

Funding rounds1 record

Investors1 record

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Art Money