Private collection
Private individuals and collectors
Access liquidity from investment wine without disrupting long-term strategy. Keep ownership; release capital for portfolio moves, property, or business opportunities.
For individuals →Unlock liquidity from your wine collection.
Jera provides structured lending secured against professionally stored fine wine, allowing you to access capital without selling your assets.
How much are you looking to borrow?
- £100,000 - £250,000
- £250,000 - £500,000
- £500,000 - £1,000,000
- £1,000,000+
What Jera does
Structured access to capital through fine wine.
Many collectors and businesses hold significant value in wine stored in bonded warehouses. Jera enables that value to be used as collateral for structured lending, without requiring a sale.
- 01
Borrow against your collection
Use professionally stored, investment-grade wine as collateral for a structured loan.
- 02
Keep ownership, keep the upside
The wine stays in your name. If it appreciates over the term, that gain is still yours.
- 03
Access capital when you need it
Funds are released against the realisable value of the collection, typically 50–60% of its assessed worth.
Who it's for
Who Jera works with.
Trading inventory
Wine businesses
Unlock working capital from inventory while continuing to trade. Built for wine merchants, restaurants and hospitality groups holding wine as inventory or working capital.
For businesses →Partner network
Advisors and partners
Provide clients with a structured solution for an underutilised asset. Introduce clients with confidence; Jera handles valuation, credit and collateral management.
For advisors →Eligible collateral
Wines we lend against.
Jera lends against investment-grade fine wine in professional bonded storage. For example, first-growth Bordeaux, Burgundy grand crus, prestige Champagne, and benchmark bottles from the New World. Wines with deep secondary-market liquidity and transparent Liv-ex pricing.
01/ 06Burgundy
Romanée-Conti Grand Cru
Domaine de la Romanée-Conti
- Vintage
- 2013
- Colour
- Red
- Appellation
- Romanée-Conti
- Classification
- Grand Cru
- LWIN-7
- 1028687
- Est. market price
- —
02/ 06Champagne
Dom Pérignon
Dom Pérignon
- Vintage
- 2010
- Colour
- White
- Appellation
- Champagne
- Classification
- Prestige Cuvée
- LWIN-7
- 1082656
- Est. market price
- —
03/ 06Bordeaux
Château Margaux
Château Margaux
- Vintage
- 2009
- Colour
- Red
- Appellation
- Margaux
- Classification
- Premier Cru Classé
- LWIN-7
- 1012781
- Est. market price
- —
04/ 06Bordeaux
Château Lynch-Bages
Château Lynch-Bages
- Vintage
- 2010
- Colour
- Red
- Appellation
- Pauillac
- Classification
- 5ème Cru Classé
- LWIN-7
- 1012576
- Est. market price
- —
05/ 06Tuscany
Sassicaia
Tenuta San Guido
- Vintage
- 2016
- Colour
- Red
- Appellation
- Bolgheri
- Classification
- DOC Bolgheri Sassicaia
- LWIN-7
- 1102037
- Est. market price
- —
06/ 06California
Opus One
Opus One Winery
- Vintage
- 2013
- Colour
- Red
- Appellation
- Oakville
- Classification
- Napa Valley AVA
- LWIN-7
- 1122662
- Est. market price
- —
How it works
A clear & guided process.
From first conversation to funds released - typically inside a few weeks. The wine remains professionally stored throughout.
Step 01
Initial assessment
Share high-level details of your collection to confirm eligibility. No wine list or commitment needed at this stage.
Step 02
Review and structure
We assess the collection and structure a loan based on its realisable value, agreed terms and your needs.
Step 03
Access capital
Funds are released once approved, with your wine held securely as collateral throughout the term.
Why Jera
Built on integrated infrastructure.
Lending against wine requires more than valuation alone. Jera combines pricing, storage, logistics, credit and market access into a single system - enabling structured lending against a complex asset.
- Valuation based on realisable market value, supported by live pricing data.
- Secure, controlled collateral management in professional bonded storage.
- Structured credit and risk discipline modelled on institutional lending standards.
- Access to established secondary market channels for collateral resolution.
Trust & credibility
A specialist approach to a complex asset.
Jera combines expertise across financial services, wine markets, and asset-backed lending to deliver a structured, market leading solution. We operate to institutional standards across every part of the process.
£100k+Minimum facility
60%Max loan-to-value
1-3yrTypical terms
UKBonded storage
FAQs
Questions, answered.
The essentials of borrowing against wine - ownership, valuation, terms and timing. Learn more about specialist wine-backed loans on the FAQs page.
What is a wine-backed loan?
A structured loan secured against a fine wine collection held in professional bonded storage. The collection acts as collateral, similar to lending secured against property or securities. You retain ownership; we hold a charge against the asset for the term of the loan.
Do I retain ownership of my wine?
Yes. The wine remains your asset throughout the loan term. Jera takes a security interest as collateral, but ownership and any market upside continue to belong to you.
What types of wine qualify?
Investment-grade wines with established secondary-market liquidity - primarily Bordeaux, Burgundy, Champagne, and select premium regions. Bottles must be in original condition, held in professional bonded storage, with documented provenance.
How is my collection valued?
Valuations use our proprietary pricing engine supported by live market data, recent transaction history, and the realisable value of the specific bottles in your collection. We provide a transparent breakdown before any loan is structured.
What happens if I want to repay early?
Loans can be repaid early. Specific terms depend on the facility structure - full details are covered in the loan agreement and discussed during structuring.
