Abstract: A method and system of exchanging collectibles for a loan of money allows an Applicant to remotely apply for and receive funds in exchange for works of art and other collectibles. An Applicant specifies the loan sought and submits personal and collateral information. Thereafter, the form and information are analyzed and a loan amount is determined. The Applicant transfers the collectible to the Lender over a delivery channel. Upon final approval of the loan, the Lender transfers funds to the Applicant. A similar process may be undertaken for items at auction. Auction lots are pre-approved by Lender. If an Applicant wins the auction lot, the Applicant pays a Residual Amount on the item. The Lender pays the remainder of the auction price. In either situation, the Applicant may pay off the loan in four months for return of the collectible or may renew the loan.