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. Pamgia was built to close that gap: lending at market value, in days, with full ownership retained.

A £5.4 billion 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: an asset class worth billions with limited access to fair financing.

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22 Million Casks

Maturing across Scotland's bonded warehouses, representing 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.

Structurally Underserved

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