Wine & Spirits Loans. Keep the cellar. Borrow against it.
Fine wine and rare spirits are valued on provenance and storage as much as label. Borrow against your collection without selling it, with specialist inspection, a bottle-level record and professional temperature-controlled storage.
What We Lend Against
Don’t see your bottles? Tell us about it — significant pieces are reviewed case by case.
Same bottles. Same condition.
Wine is only as valuable as its storage history. The record documents every bottle before storage, locks the collection while a loan is open, and confirms it bottle by bottle at return.
Purchase source, prior storage and chain of custody are recorded for each lot.
Fill level, label, capsule and cork condition are photographed and noted.
Original wooden cases and cartons are recorded, since unopened cases often command a premium.
Temperature and humidity are monitored for the full term of storage.
Verify once. Borrow when you choose.
Send a list of bottles or cases, photos of labels and capsules, and any purchase records or storage history.
A wine and spirits specialist inspects bottles, labels, capsules and fill levels, and documents provenance and storage history. Appraisal is billed at cost.
Professional collection and transport to temperature- and humidity-controlled, insured storage. Your collection is insured at full replacement value from the moment it leaves your hands.
Receive a confidential, no-obligation term sheet. Repay at any time and your collection is returned or stored with its record intact.
Wine & Spirits Loan FAQ
Can I borrow against my wine collection?
Yes. Fine wine and rare spirits serve as collateral for loans of $25,000 to $2 million, with terms from 1 to 36 months. You keep ownership and the collection is returned or stored when the loan is repaid.
How much can I borrow against wine?
Loan-to-value typically ranges from 25% to 75% of the appraised value, based on recent auction and trade prices. Provenance, storage history and condition carry significant weight.
My wine is already in professional storage. Does it need to move?
Not always. Collections already held in a professional facility may be able to stay there with the lender’s interest recorded, which avoids transport risk. We confirm this case by case.
Do you lend against a single bottle?
Our minimum loan is $25,000, so most loans are against a case or a collection. A single bottle of that value is reviewed case by case.
Do you check my credit?
No. The decision is based on the collection, not your credit history or income.
Is the loan non-recourse?
Non-recourse terms are available on qualifying loans, meaning the collection is the lender’s only remedy. Your term sheet states plainly whether your loan is non-recourse.
Can I repay early?
Yes. Generally, there is no prepayment penalty. Repay at any time and your collection is returned or stored with its record intact, ready if you want to borrow again.
Keep the cellar. Use its value.
NON-FUGAZI is invitation-only. Tell us what you own and we'll respond confidentially with next steps.
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