LOANS ON FINE WINE
We offer short term loans against fine wine with competitive interest rates and no impact on affordability. Loans available from £20,000 to £2 million with terms from 3 to 24 months.
BRIDGE LOANS
Use your fine wine as security for a loan. This prevents you from having to sell your luxury asset(s) as it is returned to you once the loan is repaid. This offers an alternative to a traditional bank loan or property bridging loan.
SALE ADVANCE LOANS
Sell your fine wine and receive funds immediately rather than waiting for the sale to take place. Our experts work with you to find the best sales channel to sell your luxury asset and you receive a large proportion of the auction reserve price immediately.
ACQUISITION LOANS
Take advantage of fine wine investment opportunities when they arise. You can bid at auction, settle the purchase with our loan and then take possession of the asset at a later date.
WHY US
A solution to your short term liquidity challenges.
FAST
We provide loan funding in as little as 1-3 days from application.
CONFIDENTIAL
We maintain the highest ethical standards and utmost client discretion.
FAST
We provide loan funding in
as little as 1-3 days from application.
CONFIDENTIAL
We maintain the highest ethical standards and utmost client discretion.
EXPERT
The group we are part of has lent over £200 million against luxury assets since 2010.
FLEXIBLE
We provide clients with a personal service and tailor loan terms around their needs.
EXPERT
The group we are part of has lent over £200 million against luxury assets since 2010.
FLEXIBLE
We provide clients with a personal service and tailor loan terms around their needs.
OUR PROCESS
We can come to you or you can come to us.
1. ENQUIRY
Send an enquiry to our Business Development team by completing one of our short enquiry forms or by emailing us. Our team aim to respond to your enquiry within 1 hour and aim to provide an indicative offer the same day.
2. APPRAISAL
You are contacted by your allocated account manager to discuss your loan requirements and arrange an appraisal with our specialists. We offer an online, home visit or alternative location appraisal service.
3. COLLECTION
Our in house logistics team arrange for your asset(s) to be safely collected by us, a courier service or one of our specialist logistics partners. The transportation method depends on location and asset type. Alternatively, you can arrange an appointment and bring your assets to us.
4. AGREEMENT
Your allocated account manager will work with you to structure a tailored loan agreement and confirm all the details with you. We also verify your identity to comply with anti-money laundering regulations.
5. COMPLETION
After the loan agreement has been finalised and signed, the funds are transferred to your bank account. The loan can then be redeemed anytime during the term. If you need to renew or extend, contact your allocated account manager to discuss your options.
We lend against a wide selection of fine wine ranging from Château Pétrus to Romanée Conti. Whether you have a large or small collection, we can provide you with an accurate valuation. We consider many variables when appraising your fine wine. Some of the key influences are:
- Vintage – Wines from the best vintages and older wines can command higher prices.
- Scarcity – Rare bottles of wine can demand a premium.
- Condition – Damage to the bottle, cork or label can negatively impact the value.
- Provenance – Paperwork or any other purchase documentation can increase value.
It is advised that fine wine is collected by one of our specialist logistics partners. During transportation, fine wine is fully insured against theft, damage, and wear. Your wine collection is then stored at one of our specialist partner facilities in the appropriate climate-controlled conditions.
In certain cases, if fine wine is already in storage with a professional wine storage facility, we may be able to leave it there for the duration of the loan, rather than move it to one of our partner’s facilities.
CONTACT US
Our Business Development team is available to help with your enquiries.
FRequently asked questions
Your questions answered.
WHAT INFORMATION DO I NEED TO PROVIDE ABOUT MY FINE WINE?
Please provide a short description of your fine wine including the name, vintage, number of bottles or cases, where the wine is currently stored, the storage conditions, any auction or wine merchant purchase information and a photograph. This will help us provide you with a valuation more quickly.
Do you conduct credit checks?
We do not carry out any credit checks or affordability checks as the loan is secured against your fine wine.
What LUXURY assets do you accept?
We accept a wide range of luxury assets including, but not limited to luxury and classic cars, fine art, watches, jewellery and diamonds, fine wine, antiques and gold.
HOW MUCH CAN I BORROW AGAINST MY FINE WINE?
We can lend you between 50 to 70% of the value of your fine wine whereas other fine wine lenders will only lend you up to 50% of the value. For example, if you own a collection of Château Mouton-Rothschild valued at £150,000, we could lend you up to £105,000 (70% loan-to-value).
Who will APPRAISE my Fine WINE?
Our appraisals team have worked for the world’s most prestigious auction houses including Christie’s and we have an established network of fine wine merchants, independent wine advisors, and auction houses who we work with to ensure our valuations are accurate.
How much will it cost?
Terms
All our loans are for 3 to 24 months. Maximum APR (including all fees) is 44.7%.
Representative Example
Loan amount of £100,000. Admin fee of 3%. Loan term of 6 months. Interest rate of 2% per month. 3 months paid interest upfront of £6,000. Net advance of £91,000. Total interest of £15,000 over 6 months. Representative APR is 36.4% (including all fees).
Call us today on 0800 038 5974
.CASE STUDIES
Examples of how we have supported clients.
Aston Martin Used to Solve Short Term Liquidity Challenge
Aston Martin Used to Solve Short Term Liquidity ChallengeChannel: Mortgage BrokerClient: Parent,...
Fine Wine Used to Fund a Business Opportunity
Fine Wine Used to Fund a Business OpportunityChannel: Business Finance ConsultantClient:...
Watch Collection Used to Cover a SME Tax Bill
Watch Collection Used to Cover a SME Tax BillChannel: Financial AdviserClient: Lawyer, 61 years...
We Helped This Collector Acquire Antiques at Auction
WE HELPED THIS COLLECTOR ACQUIRE FINE ART AT AUCTIONChannel: Auction HouseClient: Fine Art...
Financing an Art Gallery Owner’s Stock Purchase
Financing an art gallery owner's stock purchaseChannel: Commercial Finance BrokerClient: Gallery...
Jewellery Used to Complete Property Transaction
JEWELLERY USED TO COMPLETE PROPERTY TRANSACTIONChannel: DirectClient: Property developer, 41 years...
We are a specialist lending company providing loans secured against luxury assets. The group we are part of has lent over £200 million against luxury assets since 2010, and we are funded by Crestline Investors, Inc.(‘Crestline’), an institutional alternative asset manager.
Official Finance Partner of the Aston Martin Owners Club
© 2023 Suros Capital – all rights reserved. Suros Capital is a trading name of Hopkins & Jones Limited who are authorised and regulated by the Financial Conduct Authority. Firm reference number 731198. Hopkins & Jones Limited is registered in England under company number 433606. Registered office: 88 Fleet Street, London EC4Y 1DH. VAT number: 238 8280 37.
Official Finance Partner of the Aston Martin Owners Club
© 2023 Suros Capital – all rights reserved. Suros Capital is a trading name of Hopkins & Jones Limited who are authorised and regulated by the Financial Conduct Authority. Firm reference number 731198. www.suroscapital.co.uk is a site operated by Hopkins & Jones Limited, registered in England under company number 433606. Registered office: 88 Fleet Street, London EC4Y 1DH. VAT number: 238 8280 37.
Call us today on 0800 038 5974
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