WineCredit is a specialist finance company dedicated to lending against fine wine. It is the oldest dedicated wine financing company, in business since 2013.

NEXUS Premier members can use eligible wine in their collection as security without moving it from its existing storage location. You retain ownership, while NEXUS controls movements from the secured account in accordance with WineCredit’s instructions.

NEXUS takes no commission from loans provided by Wine Credit.

Contact WineCredit

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

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Indicative terms

• Facilities generally from approximately $250,000
• Facilities of around $5 million or more may be considered
• Up to 60% loan-to-value
• Initial terms of up to two years
• Extensions provided automatically for performing loans
• Variable interest typically at SOFR plus 5–6.5% per year
• No lender arrangement fee
• Interest is paid quarterly in arrears with no compounding
• Interest may be capitalized without penalty, capacity on the credit line permitting

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

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How it works

Contact WineCredit

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

Collection assessment

WineCredit assesses the collection and agrees the proposed collateral and loan terms. With your authority, NEXUS can provide the inventory, ownership, insurance and storage information required.

Condition images are not normally required, although WineCredit may request additional information for particularly rare or valuable wines.

Receive an offer

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

Secure the collection

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

NEXUS enters into an attornment agreement with WineCredit. This acknowledges WineCredit’s security and requires NEXUS to obtain its approval before releasing or moving secured wine.

You retain access to your collection information and may request movements, subject to WineCredit’s approval.

Funds are released

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

When the loan has been repaid and WineCredit releases its security, NEXUS removes the restrictions 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;
• the arrangement can cover wine held across NEXUS storage locations;
• verified inventory, insurance and storage information can be supplied efficiently;
• you retain ownership and visibility of your collection; and
• NEXUS can administer WineCredit’s movement controls.

Normal NEXUS storage and membership charges remain payable by the account holder unless a different account structure is agreed.

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 WineCredit

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

Contact WineCredit

You will leave the NEXUS website. WineCredit 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, due diligence, documentation and WineCredit’s final approval. SOFR is a variable US interest-rate benchmark, so the interest payable may rise or fall during the facility.

Loans can be denominated natively in USD, EUR and GBP without additional exchange rate costs. The currency of the loan should be confirmed with WineCredit. Where a loan is denominated in a currency different from the borrower’s income or intended expenditure, exchange-rate movements may increase its effective cost.

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.

Applicants should obtain independent legal, tax and financial advice before proceeding.

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

NEXUS takes no commission from loans provided by Wine Credit.

Get in touch about Wine Finance with WineCredit