Fine Wine Lending: Access Capital Without Uncorking Your Collection
Fine wine has long been considered a prestigious and appreciating asset class—one that combines passion, legacy, and investment potential. For collectors, investors, and estates holding valuable wine cellars, these bottles can represent more than indulgence—they can be a source of short-term liquidity. At LONO Fine Asset Lending, we help you unlock capital from your fine wine collection while preserving its long-term value.
Why Borrow Against Fine Wine?
The global market for fine wine continues to grow, with established indexes and rising interest from investors and collectors alike. But unlike stocks or property, wine is rarely leveraged as a financial tool—until now.
LONO clients use fine wine as collateral when:
They need fast, private access to funds without selling prized vintages.
They’re managing estate or inheritance logistics and require liquidity.
They’re funding time-sensitive investments or business opportunities.
They want to retain ownership of appreciating collections during market growth.
Rather than selling into the market or waiting on auction results, wine-backed lending offers a discreet and timely alternative.
How Fine Wine Lending Works
Submit Your Collection – Provide inventory details including wine name, vintage, format, condition, provenance, and storage location.
Valuation & Loan Offer – We partner with trusted wine appraisers and auction houses to assess market value and offer a loan—typically up to 50% of fair market value.
Fast Funding – Once terms are accepted, we wire funds within 48–72 hours.
Storage & Return – Wine is stored in bonded, temperature-controlled facilities. Once the loan is repaid, your collection is returned intact.
We typically work with collections valued at $40,000 to $1,000,000+, whether they’re stored in your cellar or a bonded warehouse.
Why Choose LONO for Wine-Backed Loans?
Specialized Expertise – We understand the nuances of fine wine investing and collateralization.
Preserve Your Portfolio – Keep long-term holdings intact and capitalize on growth opportunities.
Secure, Professional Storage – Assets are maintained in optimal conditions throughout the loan term.
Flexible, Transparent Terms – Tailored loan structures that respect the uniqueness of your collection.
Ideal for Collectors, Estates & Family Offices
We work with wine collectors, estate executors, private investors, and financial advisors who understand that a cellar can be more than a source of pride—it can be a source of financial power. Whether you’re consolidating debt, funding an investment, or managing an inheritance, LONO provides a smart and dignified lending solution.
Let Your Cellar Work For You
Your wine collection holds more than taste—it holds tangible value. With LONO, you can unlock capital without uncorking a single bottle.