The Jera Wine Loan

At Jera, we offer advantageous loan terms secured by fine wine. Recognizing wine as a valuable asset that appreciates over time, we provide financial solutions that respect and harness its growing worth.

Our Loan Offerings: Tailored Financial Solutions

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.

* Larger loans are subject to specific conditions. Please contact us for more details.

Loan Conditions: Security and Trust

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 designated climate-controlled, wine-specific warehousing facilities throughout the loan term.

Credit Assessment

Our process includes a thorough credit assessment to ensure a smooth transaction.

Terms, Interest, and Repayment

We offer clear terms and interest rates, and flexible repayment options, 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.