InRealArt in the Art-Guaranteed Loan Landscape in France: A Comparative Analysis

1. Operating Model and Expertise

InRealArt:

Exclusive specialization on art as a guarantee, with evaluation processes carried out by independent experts from the museum or academic world.

Key Competitors:

Artistic Crowdfunding Platforms (e.g. WeLikeStartup):

Specialized Venture Capital (VC) funds (e.g. Aglaé Ventures):

2. Regulatory Innovation and Legal Certainty

InRealArt:

Reinforced Guarantees: Use of the pledge of tangible movables (Articles 2333-2350 of the Civil Code), allowing simplified seizure in the event of defect.

Competitor Limits:

Crowdfunding: Vague regulatory framework (PACTE ordinance), with platforms not all holding PSP (Payment Service Provider) status.

Atouts d’InRealArt: Crédibilité Culturelle : Partenariats avec des institutions (ex : Palais de Tokyo) pour l’expertise, renforçant la confiance des emprunteurs . Flexibilité : Renégociation possible des prêts en cas d’appréciation de l’œuvre (ex : réévaluation lors de foires internationales).

Conclusion: A Niche Positioning, but Vulnerable to Massification

InRealArt embodies sectoral excellence in a fragmented French market, combining artistic expertise and financial agility.

Its ability to diversify guarantees (Asian art, digital art) in the face of the rise of non-physical assets.

◼️ Enlightening Quote: