Whisky appreciates. Its financing should too.

Scotland's distillers and bottlers hold billions in maturing whisky. Traditional lenders value it at cost, not what it's worth. We built Pamgia to close that gap: lending at market value, in days, with full ownership retained.

A £5.4 billion export industry, structurally underserved.

Scotch whisky is one of the UK's largest export categories. The producers behind it hold significant maturing inventory, but traditional lenders undervalue the collateral, move slowly, and inspect infrequently. The result: billions in collateral — and limited access to fair financing for the producers who hold it.

Learn how we lend

22 Million Casks

Maturing across Scotland's bonded warehouses — billions in untapped collateral value.

£5.4B in Annual Exports

Scotch whisky remains one of the UK's largest export categories (2024), with consistent global demand driving long-term value.

The Lending Gap

Traditional lenders value whisky at cost, not market price; many won't lend against it at all, and those that do cap borrowing at 30–50% of cost. Mid-market producers need a better option.