- Client Type: UK-based entrepreneur and experienced wine collector
- Asset Type: Fine wine collection stored across multiple jurisdictions
- Funding Requirement: Immediate liquidity for business opportunity
- Loan Type: Specialist wine-backed lending facility
Our client was an English entrepreneur with a long-established international fine wine portfolio, comprising a range of premium European labels held in bonded storage across multiple jurisdictions. When a time-sensitive business opportunity arose, he required liquidity without selling or moving his wine, preserving the collection’s long-term investment potential.
The collection was spread across multiple jurisdictions, with each facility professionally managed. Standard lenders typically require relocation or consolidation of assets, which was unacceptable to the client due to logistical, administrative, and risk concerns. Valuation and provenance verification also needed to accommodate cross-border storage.
Enness introduced the client to a specialist lender experienced in cross-border wine-backed lending. A temporary administrative adjustment of bonded accounts allowed the lender to secure its position without moving the wine. Independent experts verified condition, provenance, and storage standards across all locations. The facility structure mirrored a transfer-of-ownership approach for the loan term, enabling legal certainty and competitive interest rates.
The client accessed immediate liquidity at 11% per annum, funding the business opportunity without selling any wine or disrupting storage. The collection remains fully intact, continues to appreciate, and demonstrates how asset-backed lending can preserve long-term value while unlocking capital efficiently.
Information contained in our case studies is for market and illustrative purposes only. In some cases, these may be made up of multiple cases and are for illustrative purposes only.
Some case studies are made up of enquiries that have come into the business, not all business completes, and the posting of a case study does not represent a completed piece of business.
Property values can fall as well as rise, and you may not get back the amount originally invested. Property investments can be illiquid and may take time to sell. Where borrowing is used, your property may be repossessed if you do not keep up repayments on a mortgage or other loan secured against it.
