Your stock is worth more than your lender thinks.
Market-value lending. Your casks stay yours.
More capital. Faster funding. Full ownership.
Your casks appreciate every year they mature, but most lenders still value them at what you paid. Pamgia lends against what your whisky is worth today, moves in days, and never asks you to give up a single cask.
Traditional lenders advance against cost. Pamgia values your casks at what they're worth today.
Know exactly what you're sitting on.
Most distilleries hold millions in maturing stock and have no clear picture of it. Pamgia gives you cask-level data on your inventory as part of every loan, so you can make better decisions about blending, bottling, and production.
Every cask, accounted for
Fill levels, storage conditions, and maturation progress across your full portfolio. Live data always available, and monthly reports, at no extra cost to you.
Valuations that reflect the market
Your casks are worth more than what you paid for them. Pamgia's assessments track current market value, not historical cost, giving you a clearer picture of your position.
Interest that preserves your cash flow
Maturing whisky doesn't generate revenue yet. Payment-in-kind options let interest accrue against the loan to better align your interest payments with the cash flow from maturing casks.
Portfolio visibility you can act on
See your stock by age, volume, and projected value. Identify what to bottle, what to hold, and where the gaps are.
Reporting that works for your business
Monthly reporting structured around your actual inventory. Use them for planning, or share them with your board and stakeholders.
From first conversation to funded. Four steps.
Getting capital against your whisky stock should be straightforward. No drawn-out applications, no months of waiting, no surprises halfway through.
Initial conversation
Tell us what you need. We respond within 24 hours and work with you to see if Pamgia can help.
Cask and financial review
We review your casks across fill levels, storage conditions, and market valuations, alongside your financials. That full picture determines whether we can lend and on what terms.
Offer and funding
You receive a clear term sheet with no hidden fees and no last-minute conditions. Once accepted, funds are in your account within days.
Repayment matched to your casks
We structure repayment around when your whisky generates revenue, so it tracks your stock's maturation. Once the loan is settled, your casks are fully unencumbered.
Straight answers to fair questions.
Before any conversation, you deserve clarity. These are the questions we hear most often.
I already have a lender. Why would I switch?
You may not need to. Pamgia can work alongside existing facilities. But if your current lender values your stock at cost basis, caps your borrowing at 30-50% of that figure, and takes three months to approve, you are leaving capital on the table. Many of our borrowers maintain bank relationships for operational credit while using Pamgia specifically for inventory-backed lending where the valuation difference is most significant.
Is Pamgia a crypto company?
No. Pamgia is a lending business. We use tokenized infrastructure to manage loans, much like a bank uses software to manage mortgages. You will never need to own, buy, or interact with cryptocurrency. Your loan is denominated in pounds, your repayments are in pounds, and your casks remain in HMRC bonded warehouses under established Scottish legal frameworks. The technology is on our side of the table, not yours.
Is my collateral safe?
Your casks remain in their current HMRC bonded warehouse throughout the loan. Pamgia holds a Delivery Order as security, which is standard practice in whisky finance. Warehouses are bonded and regulated by HMRC, independently insured, and subject to quarterly verification by Pamgia. You retain full legal ownership; the Delivery Order simply prevents disposal during the loan term. When the loan is repaid, the Delivery Order is released and your casks are fully unencumbered.
What are the interest rates?
Rates depend on loan size, stock profile, maturation stage, and term length. We provide rate indications after an initial conversation because every portfolio is different. What we can tell you is that our rates reflect the quality of your collateral; better stock, better terms. We also offer payment-in-kind options for borrowers whose stock is still maturing, so you are not forced to make cash payments before your whisky generates revenue.
How much can I borrow?
Pamgia lends on market value, not cost basis. For most portfolios, this means significantly more capital than a traditional bank would offer against the same stock. Minimum loan sizes and advance rates depend on your specific inventory profile. The best way to find out is a confidential initial conversation; we can assess your stock and provide a clear indication within 24 hours.
Ready to see what your stock is worth?
Find out in one conversation. No commitment, no pressure, no surprises.
Response within 24 hours. Your information stays between us.