JERA provides specialist loans secured against investment-grade fine wine, allowing collectors to release capital without selling their collection.

For NEXUS Premier members, the wine can remain in its existing NEXUS account. You retain ownership throughout the loan, while NEXUS manages the necessary restriction over the secured collection.

NEXUS takes no commission from any loan arrangement made with JERA.

Contact JERA

Your enquiry will go directly to JERA, with NEXUS recorded as the referring partner.

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Indicative terms

• Loans generally from £100,000
• Terms from 1 to 3 years
• Indicative interest of 11–12% per year
• Up to 65% loan-to-value
• 2% arrangement fee
• Early repayment available, subject to the agreed terms

Every facility is considered individually. The amount available will depend on the quality, value and marketability of the collection, as well as JERA’s assessment of the borrower.

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How it works

Contact JERA

Use the NEXUS referral link to contact JERA directly and provide some initial information about your borrowing requirement and collection.

Collection assessment

JERA assesses the quality, liquidity and value of the eligible wine and carries out its credit checks. With your authority, NEXUS can provide the inventory, ownership and storage information required.

Receive an offer

If the application is approved, JERA provides an individual offer setting out the loan amount, interest rate, term, fees and repayment conditions.

Secure the collection

The wine remains in your name and in your existing NEXUS account. No physical transfer is normally required.

NEXUS applies a restriction preventing the secured wine from being withdrawn, transferred or sold without JERA’s written consent.

Funds are released

Once the documentation and security arrangements are complete, JERA releases the funds directly to you.

When the loan has been repaid and JERA releases its security, NEXUS removes the restriction from your collection.

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The NEXUS advantage

Because your collection is already held and managed by NEXUS:

• no physical movement of the wine is normally required;
• verified inventory and storage information can be supplied efficiently;
• you retain ownership and visibility of your collection;
• NEXUS can administer the restriction over the secured wine; and
• JERA will cover the standard £100 NEXUS setup charge.

Normal NEXUS storage and membership charges remain payable by the account holder.

This custody and administration service is available only to active NEXUS Premier members. If you are not currently a Premier member, you will need to join or upgrade before the facility can be completed.

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Speak directly to JERA

Contact JERA to discuss your collection, borrowing requirement and likely eligibility.

Contact JERA

You will leave the NEXUS website. JERA will receive your enquiry directly and NEXUS will be identified as the referrer.

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All terms shown are indicative only and are subject to valuation, credit assessment, due diligence, documentation and JERA’s final approval. The value of fine wine can fall as well as rise. Failure to repay a secured loan could result in some or all of the wine being sold.

NEXUS Wine Collections Ltd acts as custodian and facilitator. NEXUS is not the lender, financial adviser or guarantor and does not make lending decisions.

Coterie Amphorae Company Limited, trading as JERA, provides asset-backed lending to corporate borrowers, individuals borrowing for business purposes where the credit exceeds £25,000, and qualifying certified high-net-worth individuals. JERA is not authorised or regulated by the Financial Conduct Authority. Borrowers should obtain independent legal advice before entering into a loan agreement.

NEXUS takes no commission from any loan arrangement made with JERA.