If you are looking for a loan against wine, Edinburgh Asset Finance (EAF) provides one of the UK’s most specialist, discreet and accurate lending services for wine collectors, investors and high-net-worth clients. As a trusted luxury pawnbroker, we offer rapid valuations and highly competitive funding against both individual high-value bottles and full private collections, enabling you to unlock capital without selling or breaking up your cellar.

Unlike most lenders, we have direct experience working with fine wine as collateral, including single bottles valued at £5,000+, rare vintages, luxury Champagne, blue-chip Bordeaux, Burgundy and more extensive curated collections. Whether you need short-term liquidity for business, investment or personal use, we provide a fast and straightforward way to secure a business loan against wine assets or to release equity tied up in your cellar through a private, asset-backed loan.

We only lend where we can take physical possession of the wine. For this reason, we cannot lend against items held under bond or stored at third-party bonded warehouses. All bottles or cases must be delivered directly to us for inspection, verification and secure storage.

Our process is fast, confidential and handled by specialists who understand the fine wine market—its pricing, provenance requirements, and the unique characteristics that affect valuation. If you require a reliable, secure and expert-led loan against fine wine, EAF is one of the UK’s leading choices.

What Types of Wine Do We Lend Against?

We consider a broad range of fine wine and high-value bottles, including but not limited to:

High-Value Individual Bottles

  • First-growth Bordeaux
  • Blue-chip Burgundy domaines
  • Iconic Napa Valley producers
  • Prestige Champagne
  • Super Tuscans
  • Premium Rhône and rare allocations

Full Cases & Cellar Collections

We regularly secure loans against:

  • Original wooden cases (OWC)
  • Vertical and horizontal collections
  • Mixed premium cases (subject to bottle verification)
  • Curated investment cellars
  • Long-held private family collections

Wine should be in good condition, with appropriate fill levels, clean labels and sound provenance.

Why Choose Edinburgh Asset Finance for Loans Against Wine?

A loan secured against your wine provides one of the most efficient ways to release capital without permanently parting with your collection. Clients choose us because of our unmatched combination of expertise, speed and discretion.

Fast, Specialist Valuations

Wine markets move quickly, and accurate valuation requires real industry knowledge. We utilise:

  • Auction data
  • Trade insights
  • Provenance assessment
  • Market demand analysis
  • Private sale comparisons

This allows us to provide fair, realisable and trade-accurate valuations, not inflated retail pricing that other providers use. Our valuations are usually completed the same day we receive your wine, allowing us to issue an immediate loan offer.

Competitive Loan-to-Value (LTV)

We typically lend 60–70% of the realisable value, making our service ideal for clients who want meaningful liquidity without selling valuable holdings.

Immediate Funding Once Wine Is Received

As soon as we take possession of the bottles or cases, funds are released. Many clients receive their wine loan on the same day, making this one of the fastest ways to borrow against alternative assets.

Discreet, Secure & Climate-Appropriate Storage

Wine is extremely sensitive to environment and handling. We prioritise:

  • Stable, safe storage
  • Sensible temperature conditions
  • Secure, discreet facilities
  • Professional handling of all bottles, cases and packaging

You retain full ownership at all times while we store the wine under secure conditions for the loan term.

No Credit Checks or Financial Assessments

Because the loan is secured solely on the value of the wine, there are:

  • No credit checks
  • No affordability assessments
  • No intrusive financial reviews

This makes a pawn broker loan against wine ideal for clients who want a fast, flexible funding option without traditional lending barriers.

Ideal for Business or Personal Use

Many clients use wine-backed loans as a highly efficient alternative to commercial borrowing. Whether you are seeking:

  • A business loan against wine assets
  • Liquidity for a business opportunity
  • Cash flow support
  • Personal or investment capital

Our service offers unmatched speed and privacy. Please note we must always lend to the individual, but often we find company directors/owners using the loan to help the business.

How Our Loan Against Wine Service Works

Our process is simple, secure and designed for clients who value efficiency and discretion.

1. Initial Enquiry

You contact us with a description of your wine, including:

  • Producer
  • Vintage
  • Bottle size
  • Condition
  • Storage history
  • Photos

The more detail you can provide, the faster we can prepare an initial estimate. We must physically inspect all bottles or cases before issuing final paperwork, however we can usually offer an accurate valuation from the information provided, and provide a loan offer.

2. Deliver Your Wine to Us

You may:

  • Bring the wine to us in person
  • Use a private courier
  • Arrange secure transport

We will advise on the safest method based on your location and collection size.

3. Expert Valuation

Once the wine is received, we:

  • Inspect each bottle
  • Review provenance
  • Assess condition and packaging
  • Cross-reference trade and auction prices

We then confirm the initial valuation and loan offer (typically 60–70% LTV).

4. Instant Funding

As soon as the loan agreement is signed, funds are transferred. This often occurs the same day the wine arrives, making this one of the quickest ways to secure finance against luxury assets.

5. Secure Storage During the Loan

Your wine is stored safely and securely throughout the loan period. Bottles are kept under conditions that protect long-term quality and integrity.

6. Redeeming Your Wine

Simply repay the loan and interest to retrieve your bottles or collection. If you choose not to redeem, the wine is sold to settle the balance and any surplus (after all costs) is returned to you.

Why Fine Wine Makes an Excellent Collateral Asset

Wine has several characteristics that make it ideal for short-term lending:

  • Strong historical performance
  • Regular turnover in auctions and private sales
  • Global demand for blue-chip producers
  • Clear provenance pathways
  • Predictable pricing for many major regions
  • Broad acceptance as an alternative investment class

These factors allow us to provide fast valuations and meaningful loan amounts.

Start Your Loan Against Wine Today

If you want a discreet, efficient and specialist loan against wine, Edinburgh Asset Finance offers one of the UK’s most trusted services—ideal for collectors, investors and business owners seeking immediate liquidity without selling their assets. Whether you’re securing a business loan against wine assets, raising cash from a rare bottle, or unlocking value from an entire collection, we provide fast valuations, competitive lending and complete confidentiality.

Frequently Asked Questions – Loans Against Wine

What types of wine collections qualify for loans?

We consider individual high-value bottles, full cases, curated collections and investment-grade wines from prestigious producers. Blue-chip regions such as Burgundy, Bordeaux and Champagne are especially suitable.

Must the wine be professionally stored?

Not necessarily. While professional storage can enhance value, we usually lend against wine stored privately provided condition is sound and provenance can be verified.

How is provenance or authenticity verified?

We examine: Purchase history. Storage records. Auction or merchant documentation. Fill levels and label condition. Packaging (including original cases). This ensures accuracy and protects both parties.

Can mixed cases or collections be used as collateral?

Yes - provided each bottle can be individually inspected, authenticated and valued. Mixed premium cases are common among private collectors.

How is valuation determined for rare vintages?

Rare wines are valued using a combination of: Auction histories. Private sale data. Global trade demand. Recent market trends. Condition and provenance. This ensures an accurate reflection of realisable market value, not speculative pricing.

Contact Edinburgh Asset Finance today to arrange your private appointment.