Borrow Against Your Fine Wine

Borrow against your collection or bottle to raise finance?

Whether it is collected for pure pleasure or as an investment we can offer loans against a wide selection of fine wines and spirits like champagne, whiskey, red wines and cognac.
Loans against your collection come with benefits such as:

  • There are no credit checks. 
  • Funds can be released within 24hrs of accepting our offer.
  • There are no monthly repayments.
  • There is no impact on your credit history if you do not repay the loan.

Your dedicated account manager will be on hand to provide answers to any questions that you may have and will take the time to understand your requirements and provide the best solution tailored to you. So why not call us today or send in a loan enquiry.

Our specialist valuers are on-hand to help obtain an accurate value on your wine collection. They work with you to gather information to help determine the current market value. Several factors our valuers will look for are:

  • The year that it was produced.
  • How rare the vintage is and the vineyard it has come from.
  • What the condition of the bottle and label is like.
  • The provenance that occupies the wine.

Your dedicated account manager is on-hand to discuss the valuation process and help provide answer to any questions you may have.

You precious wine can be sent to us securely using one of the following methods;

 1) If your wine is already stored in a bonded warehouse, we do not require it to be moved. We would however need your permission to secure the wine on our behalf during the loan term.
 2) Collection: Depending on its value, we can send a private courier, fully insured, to collect and deliver the wine directly to us.
 3) Arrange to come-in: Simply contact us to arrange a time and day to come in and meet us and hand-over your items in person.
 4) For high-valued loans, we can arrange for one of our experts to come along to where the item is being stored and have it appraised on-site.

The interest rate we apply reflects the loan amount and the asset you have pledged as security. Our rates start from as little as 1.5% per month.

 APR and Terms of Loan;

Minimum repayment period of one month.

Our minimum rate of APR is 18.8% . Our maximum rate of APR is 69.25%. Representative APR: 36.35%

All loans are for a fixed term of 6 months. You can repay early at any time with no penalty fees.

Representative Example: Total credit: £10,000. Loan term of 6 months. Annual Interest rate: 36% (fixed). Interest for 6 months: £1800. Amount repayable in one installment: £11800.00 (39.1%APR)

02381 277030

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Warning: Please note that the property that you offer as security to acquire your loan may be repossessed and sold in the event of default. Please refer to our page ‘Borrowers’ for more information on the checks we conduct on borrowers.