Jera Wine is a financial services company under the umbrella of Coterie Holdings Ltd. It is a digital platform of Fine Wine and Financial Experts offering clients a complete end-to-end service for borrowing against their fine wine collections, including managing the valuation, financing, storage and provenance checks.

We offer both personal and commercial loans against fine wine collections. The criteria for private and commercial loans can vary for compliance reasons.

Please create an account at jerawine.com, upload your wine collection, and submit a loan application request for a free appraisal. We have an in-house valuation algorithm that appraises each individual wine based on 10+ years of historical pricing, alongside current market values from Liv-ex, and collection information you provided including duty status and bottle condition. You will be notified once the initial appraisal is complete, and if you wish to proceed further, the wine is then collected and taken into our designated warehouse for a physical inspection. Based on the physical inspection, a final quotation will be given. Once this is agreed by both parties, the loan application will then be finalised for funds to be released.

We developed an in-house algorithm based on historical and current market prices provided by Liv-ex (a regularly updated live valuation tracker for wines of the world). The market value provided by Jera on our website is updated on a regular basis. Jera’s online portal may not contain market values for all wines available in the market place, and in this case, when we do not have historical and current market values of the wines you have submitted, the Jera team will conduct a manual search on the wine and provide you with an appraisal result based on our internal risk analysis policy.

Once the wines are taken into our facility and checked, if there is a discrepancy with condition of the wine, the number of bottles received or any other unforeseen changes to the portfolio, that alters the final valuation, an updated quotation will be provided as a final appraisal result. It is important to remember that appraisal is completed on each individual wine.

No. Any third party condition reports can be submitted to Jera, and will be taken into consideration for the initial appraisal, however, Jera will conduct their own physical inspection to determine the final appraisal value.

Your full wine collection will be returned to your desired location. Due to Jera having completed the condition report on your collection, you will be charged for the reports generated. You will have access to the full physical inspection documentation, and all photographs of your collection in your online Jera account. If you requested Jera to pick up and deliver your collection, transportation costs will apply which will vary according the amount of wine and the destination.

The fee is a standard 2% of the full loan amount. This includes a full condition report with complete documentation and photos that will be shared with you.

The LTV is on average between 50-60%, with 70% being the maximum. This is dependent on the type of portfolio and the range of wines that it contains. Each case will be looked at individually.

The minimum amount we lend is £60,260

For personal loans, we only lend to High Net Worth Individuals,, which is exempted from the Consumer Credit Act. (The UK Government definition of High Net Worth - Under the new thresholds, an individual must have income of at least £170,000 in the last financial year) Commercial Loans are not regulated under the Consumer Credit Act.

Your wines will be stored in a state of the art, purpose built, bonded wine storage facility near Ipswich. Coterie Vaults is one of the largest fine wine storage facilities in Europe, and is temperature and humidity controlled.

Yes, the borrower will be responsible for the storage cost during the term of the loan. The storage fees are charged quarterly in arrears, together with the interest payments. The current storage fees are : £10.92/ 12x75cl case/ year (Incl 20% VAT) The storage fees get updated from time to time, please check with your loan officer for the latest costing.

Loans are for a minimum of 1year and a maximum of 3yrs and can be repaid at any point during the term agreed. Interest rates range from 10%-12%, each application is judged on its own merit.

Currently we only accept wines that are stored in the United Kingdom.

With a Personal Loan - Whilst the wine is being held by us, it cannot be accessed. However if you wish to sell the wine during this period, this is possible, with all proceeds being applied to the principal balance of your loan. With a Corporate Loan - The value of the portfolio must remain constant, so although some wines will be sold/traded or changed, the base value of the collateral pool must remain the same.

Interest is paid quarterly, the payment dates will be listed on your loan agreement, and starts to accrue from the date of the first withdrawal. Interest is only charged on the actual amount withdrawn.

No, unfortunately once the loan agreement is effective, the loan amount is set and the collateral list is “locked”. You can submit a new loan application for additional wines that you want to borrow against. You may add wines to your collateral list at the start of the loan application process, and agree to a larger than perhaps needed loan, only drawing down on the amount you require, as and when you need it. This enables you to have access to more if required.