Private credit
is broken.
Opaque structures. Illiquid positions. Collateral nobody verifies. Borrowers wait months to access a fraction of what their stock is worth. Investors get quarterly PDFs and hope.
PAMGIA. Whisky-backed private credit.
Capital as refined as the asset behind it.
Private credit
Proprietary monitoring.
Comprehensive verification.
Traditional lenders sample 5% of collateral once a year. We inspect every cask. Higher accuracy, zero gaps.
The cracks in whisky
finance
80%
Of mature value lost when
distillers presell new-make spirit
distillers presell new-make spirit
22M
Casks maturing in Scottish
warehouses, billions in untapped equity
warehouses, billions in untapped equity
95%
Of cask inventory goes uninspected
each year by traditional lenders
each year by traditional lenders
13%
Margin of error in traditional
collateral audits
collateral audits
All figures are approximations.
Unlock the capital
maturing in your warehouses.
Traditional
Pamgia
Cost-basis lending vs. market-value lending
3–5x
More Capital
Traditional lenders use cost basis. We lend on market value, unlocking the appreciation your stock has earned.
<7
days
Our target: funded in under a week. Banks take 90+ days.
100%
ownership
Your whisky. Your upside. Full ownership retained.
Free Cask Intelligence
ABV, fill levels, phenol content, ester profiles, wood extractives. Delivered with every loan.
Real collateral. Full visibility.
Real transparency.
Appreciating Collateral
Competitive, risk-adjusted returns backed by Scotch whisky, a physical asset that appreciates with age.
Loan
LTV
Status
Highland 12yr
62%
Speyside 8yr
58%
Islay 15yr
52%
Full Portfolio Visibility
Every loan, every term, every collateral value. Visible when you need it, not buried in static reports.
Sell
Buy
Liquidity by Design*
Designed for secondary market access. No 7-year lockups.
Stacked layers: management + carried interest + fund admin + placement
One transparent fee schedule. No stacked layers.
Radically Simpler Fees
We replaced the intermediaries with smart contracts. The savings go to you.
Positions are restricted securities subject to applicable holding period requirements under SEC rules. Secondary transfers are subject to platform availability and regulatory conditions.
Built on verification,
not trust.
MARKET
Speyside 18yo Sherry Cask
Market-Based Valuations
Collateral priced on market data, not outdated book values.
Pledge Backed
Collateral legally pledged to you
Fully Insured
Collateral fully insured
Custody Tracking
Verified from day one
Collateral Protection
Every cask is pledged, insured, and tracked.
Industry Standard
5% sampled annually
20x
Pamgia
100% verified annually
20x More Verification
Our proprietary technology achieves near-zero measurement error per barrel, making traditional auditing obsolete.
Let's Talk
Whether you're looking to unlock liquidity or invest in maturing whisky, we'd like to hear from you.
No commitment. Confidential conversation. Response within 48 hours.
For accredited investors only.