Scenario
Investment opportunities
Access capital for new investments without selling your collection. React to opportunities on your own timing.
For individuals
Unlock liquidity from your wine collection.
Jera provides structured lending secured against fine wine, allowing you to access capital without selling your collection or disrupting your long-term strategy.
Fine wine as part of a broader financial strategy.
Collectors increasingly view fine wine alongside other alternative assets. Jera enables collections to support capital requirements in the same way other asset-backed lending solutions support property, investment portfolios or business interests.
Who this is for
For collectors and investors holding fine wine.
Jera works with individuals who hold fine wine as part of their broader asset base. This typically includes:
- Collectors with professionally stored collections
- Investors holding wine as an alternative asset
- Individuals with capital tied up in bonded storage
Why individuals use Jera
Capital, on your terms.
Borrow against the value of your collection without giving up the upside or the bottles themselves.
Unlock liquidity
Access capital without selling long-term holdings.
Maintain exposure
Retain ownership and benefit from potential future value.
Avoid forced sales
Do not rely on market timing to access capital.
Increase flexibility
Use your collection as part of a broader financial strategy.
The challenge
Your collection has value. That value isn’t always accessible.
Fine wine can represent significant wealth, but that value is often tied up in long-term holdings.
Accessing liquidity traditionally requires selling the asset, which may not align with your investment strategy, timing or future plans.
The opportunity
Retain ownership. Access capital.
Jera provides a structured lending facility secured against fine wine, allowing you to unlock capital while maintaining ownership and continued exposure to the collection’s future value.
How it works
A clear, guided process.
From first conversation to funds released, every facility follows a structured assessment and lending process designed specifically for fine wine.
- 1
Initial assessment
Share high-level details of your collection to confirm eligibility. No commitment at this stage.
- 2
Review and structure
We assess the collection and structure a loan based on its realisable value, agreed terms and your needs.
- 3
Access capital
Funds are released once approved, with your wine held securely as collateral throughout the term.
What qualifies
Eligibility criteria.
Jera provides loans for collections that meet specific criteria. Typical requirements include:
- Minimum loan size of £100,000
- Investment-grade wine with active resale markets
- Professionally stored collections (bonded warehouses)
- Clear provenance and documentation
If you are unsure, you can complete a short eligibility check.
Common uses
How individuals leverage wine-backed lending.
Examples of how collectors and investors use Jera while keeping their collections intact.
Scenario
Portfolio diversification
Use liquidity to rebalance or expand your asset base without crystallising gains or losses on your wine.
Scenario
Personal liquidity
Fund major expenses while maintaining long-term holdings, for example, a major purchase, school fees, a property bridge.
Why Jera
Why collectors choose Jera.
Lending against wine requires more than valuation alone. Jera combines pricing, storage, logistics, credit assessment and market access within a single framework designed specifically for fine wine.
FAQs
Common questions.
Answers to some of the questions collectors and investors ask most frequently. Full details can be found in our FAQs.
Do I need to be a professional investor?
No. Jera works with individuals who hold fine wine as part of their broader asset base - collectors, investors, and individuals with capital tied up in bonded storage.
Can I borrow without selling my wine?
Yes - that's the point. Your collection is used as collateral. You retain ownership and exposure throughout the loan term.
Do I still own my wine during the loan?
Yes. Ownership remains with you. The wine is held securely as collateral for the duration of the facility and is released back to you once the loan is repaid.
What types of wine qualify?
Investment-grade wines with active resale markets, professionally stored in bonded warehouses, with clear provenance and documentation.
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.
How long does the process take?
Typically 4–6 weeks from initial enquiry to funds released, depending on the complexity of the collection and the loan structure.
