The Jera Wine Loan
Flexible Terms
We offer personal finance loans with fixed terms ranging from a minimum of 1 year to a maximum of 3 years, designed to align with your financial planning.
Sale Option
During the loan period, you have the option to request the sale of your wines. All proceeds from such sales are directly applied to reduce the principal balance of your loan.
Loan Amounts
Our loans start from a minimum of £60,260. For larger loan requirements, we invite you to discuss bespoke options with our team. *
Repayment Flexibility
Borrowers have the liberty to repay the loan at any point during the term, offering unparalleled financial flexibility.
Competitive Interest Rates
Our interest rates range between 10-12%, supported by up to a 70% loan-to-value ratio, ensuring a balanced and fair financial arrangement.
Valuation Process
Valuations are conducted using Jera's proprietary wine pricing engine. For unique cases where online valuation is not feasible, we consult with partnered wine experts to ensure accurate appraisals.
Secure Storage
Your wine is stored in Jera's climate-controlled, wine-specific warehousing facilities, or with partners who adhere to our stringent storage standards, throughout the loan term.
Credit Assessment and Shipping
We provide shipping boxes, a temperature tracker, and detailed instructions for safe wine packing. Our process includes a thorough credit assessment to ensure a smooth transaction.
Terms, Interest, and Repayment
We offer clear terms and interest rates. Repayment is flexible, and in cases where the loan cannot be fully repaid, we manage the auction of the stored wine. Any surplus from the auction, beyond the loan value, is returned to the borrower.
