Scenario
Working capital
Release capital tied up in inventory to support day-to-day operations and cash flow management.
For businesses
Unlock working capital from your wine inventory.
Jera provides structured lending secured against wine stock, enabling businesses to access capital without disrupting operations or forcing sales.
Wine inventory can support more than trade.
For many businesses, wine represents a significant working asset. Jera enables inventory to support capital requirements in the same way other asset-backed lending solutions support stock, receivables or property.
Who this is for
For businesses that hold wine as inventory.
Jera works with businesses that hold wine as inventory or working assets. This typically includes:
- Wine merchants and distributors
- Restaurants and hospitality groups
- Businesses with bonded wine stock
- Operators with capital tied up in inventory
Why businesses use Jera
Working capital, without disrupting trade.
Release the capital tied up in your stock. Fund growth, smooth cash flow, and protect your trading strategy.
Unlock working capital
Access capital tied up in inventory without selling stock.
Support growth
Fund expansion, purchasing or new opportunities.
Improve cash flow
Release liquidity to manage operations more effectively.
Maintain trading strategy
Avoid disrupting pricing or stock positioning.
The challenge
Inventory supports the business. It can also tie up capital.
Wine inventory often represents substantial value, but that value is not always reflected in traditional financing arrangements.
Accessing liquidity can require additional borrowing, asset sales or restrictions on growth plans.
The opportunity
Access funding without disrupting trade.
Jera enables businesses to unlock capital from qualifying wine inventory through a structured lending facility, creating additional financial flexibility while preserving the value of the underlying asset.
How it works
A clear, guided process.
From initial assessment through to funding, every facility follows a structured review process designed specifically for wine-backed lending.
- 1
Initial assessment
Share high-level details of your inventory and funding requirements. No commitment at this stage.
- 2
Review and structure
We assess the stock and structure a facility based on its realisable market value, agreed terms and your operational needs.
- 3
Access capital
Funds are released once approved, with inventory held as collateral throughout the term.
Operational flexibility
Keep inventory moving.
In certain circumstances, facilities can be structured to accommodate ongoing trading activity. This allows businesses to continue operating normally while maintaining an appropriate collateral position throughout the life of the loan.
What qualifies
Eligibility criteria.
Jera provides lending for inventory that meets specific criteria. Typical requirements include:
- Minimum loan size of £100,000
- Investment-grade wine with active resale markets
- Professionally stored stock
- Sufficient volume and quality to support lending
If you are unsure, you can complete a short eligibility check.
Typical use cases
How businesses leverage wine-backed lending.
Examples of how businesses use Jera to improve liquidity and support commercial objectives.
Scenario
Growth initiatives
Fund expansion, acquisitions, investment opportunities or strategic projects without selling stock.
Scenario
Balance sheet efficiency
Unlock value from existing assets and diversify sources of business financing.
Why Jera
Why businesses choose Jera.
Jera combines valuation, storage, logistics, credit assessment and market access within a single lending framework.
This integrated approach enables wine inventory to function as reliable collateral while supporting practical commercial lending solutions.
FAQs
Common questions.
Answers to some of the questions merchants, restaurants and hospitality businesses ask most frequently. Full details can be found in our FAQs.
Can I continue trading while borrowing?
In certain structures, yes. Continued trading can be accommodated subject to maintaining appropriate collateral levels. We design each facility around the business's operational reality.
How does this compare to traditional financing?
Traditional lenders rarely recognise wine inventory at its realisable value. Jera underwrites against the asset directly - typically faster, more flexible, and more reflective of actual market value.
What types of stock qualify?
Investment-grade wine with active resale markets, professionally stored, with sufficient volume and quality to support the loan size.
Do I retain ownership of my inventory?
Yes. Ownership remains with you. Stock is held as collateral and released once the facility is repaid.
How is the inventory valued?
Live market pricing, storage records, and condition assessments. We produce a realisable valuation - what the stock would actually clear at, not a list price.
How long does the process take?
Typically 4–6 weeks from initial enquiry to funds released, depending on the complexity of the inventory and the facility structure.
