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🛒 RetailID: 9

Wine Retail

32,936.20USDC
65.87% of 50,000 USDC
Repaidon Jan 9, 2026
Funded date
Apr 14, 2025
Repaid date
Jan 9, 2026
Loan period
9 months
Annual interest
20.40 %
Repayment
Overview
Risk scoring
Financials
Collateral
Borrower
More premium wine and Champagne stock

Wine Way OÜ, a Tallinn retailer and wholesaler since 2008, is raising €50,000 of working capital to buy premium wines and Champagnes from houses such as Dom Pérignon, Krug and Veuve Clicquot.

32,936.20USDC
65.87% of 50,000 USDC
9 months20.40 %Repaid
Wine Retail

Wine Way OÜ has built a reputation as both a retail and wholesale supplier, catering to a broad range of customers with diverse needs. The company supplies top-tier wines and Champagnes to esteemed restaurants, luxury hotels, and specialized wine departments. It also collaborates with gourmet food stores, upscale markets, and dedicated wine retailers, offering an extensive selection tailored to each partner's unique clientele and brand positioning. Efficient logistics and reliable supply chains ensure prompt and seamless deliveries, helping wholesale clients maintain optimal stock levels and meet customer expectations.


Wine Way OÜ offers a unique opportunity for investors to enter the lucrative wine and Champagne market. With its established reputation, strategic expansion plans, and solid financial foundation, the company is poised for continued growth and success. The secured collateral, combined with the projected appreciation of the wine and Champagne stock, presents a compelling investment case with minimized risk.


Financial Overview and Strategic Growth


To support its planned expansion, Wine Way OÜ seeks to secure additional financing to purchase a variety of premium wines and Champagnes, including iconic brands such as Dom Pérignon, Krug, Screaming Eagle, Château Lafite Rothschild, and other world-renowned labels. This move is part of the company’s broader strategy to enhance its product offerings, attract a more diverse customer base, and position itself as a leader in the high-end wine and Champagne market.

Wine Way's total assets exceeded EUR 890,000 in 2023, with equity capital recently increased to EUR 288,000. The company’s turnover rose from EUR 360,000 in 2021 to EUR 578,000 in 2022, and EUR 726,000 in 2023, what indicates stable growth. To fund this expansion and further development, Wine Way is seeking EUR 50,000 in additional working capital, with a repayment term of 9 months. The majority of these funds will be allocated to purchasing top-tier wines and Champagnes.


It is also important to highlight that Wine Way has successfully repaid in full the loans raised in 2023, totaling EUR 185,000, and in 2024, amounting to EUR 584,000, along with all corresponding interest. This achievement further reinforces Wine Way's credibility and financial reliability.

Wine Way was foundedAug 18, 2008
Start of active work/productionAug 18, 2008
Min target25,000 USDC
Investors64
Interest paymentsmonthly
Principal repaymentsbullet
Total payments9 months

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Wine Way is currently seeking to raise EUR 50,000 in working capital to finance the purchase of additional wine and Champagne stocks from prestigious producers worldwide. The fundraising will be conducted in 1 round.


Key Financials and Investment Proposal


  • Loan Terms: Wine Way seeks a loan with an interest rate of 17.4% and a repayment term of 9 months.
  • Financial Health: As of the end of 2023, Wine Way’s total assets exceed EUR 890,000, with projected revenue of over EUR 910,000 by the end of 2024.
  • Cash Flow Projections: Estimated cash flow by the end of 2024 is EUR 935,000.
  • Creditworthiness: Wine Way exhibits a healthy working capital ratio of 1.0, based on its most recent financial statements, and holds a strong credit history ranking according to CreditInfo, an independent credit history aggregator.


Investment Security and Collateral Offering


To secure the necessary financing, Wine Way OÜ is prepared to offer its expanding wine and Champagne stock as collateral. The value of this stock is projected to appreciate by 25-30% annually, providing strong security for potential investors. Additionally, the company is willing to use its existing wine inventory, valued at over EUR 500,000, as supplementary collateral, further enhancing the investment's security profile.

Risk scoring

Total risk score8/10
Debt to equity1.89
LTV56%
Credit history10 / 10
Collateral typeCompany Assets

Rating A (the third tier) reflects a long-established retailer with steady growth — turnover rose from €360,000 in 2021 to €726,000 in 2023 — and a clean repayment record: loans of €185,000 in 2023 and €584,000 in 2024 were repaid in full with interest.

  • D/E (Debt-to-equity) of 1.89 is moderate;
  • LTV of 56% means the pledged stock is worth well above the loan;
  • Credit history score of 10/10.

Keep in mind:

  • the collateral is wine stock, whose price and resale speed depend on demand for premium labels;
  • the projected 25–30% annual appreciation of the stock is the company’s own estimate;
  • repayment relies on selling the additional stock within the 9-month term.

Financials

Turnover 2023€726,000
Total assets 2023€890,000+
Equity capital€288,000
Loan repaid in 2024€584,000
€ thousands
€360k360
+61%€578k578
+26%€726k726
+25%€910k*910*
2021202220232024F

* 2024 is the revenue projected at the time of the listing (over €910,000); no profit figures were published

Wine Retail

Wine Way has grown its turnover every year, through its shops, online store and wholesale clients.

Steady growth

  • Turnover rose from €360,000 in 2021 to €578,000 in 2022 and €726,000 in 2023.
  • Revenue was projected at over €910,000 for 2024.

Balance sheet

  • Total assets exceeded €890,000 in 2023.
  • Equity capital was recently increased to €288,000.

Market

The global wine and Champagne market is growing on consumer interest in premium products, luxury experiences and fine-wine investment. Demand for Champagnes such as Dom Pérignon and Krug and wines such as Château Lafite Rothschild comes from both traditional markets and emerging regions.

Financial overview

Metric, EUR202120222023
Turnover360,000578,000726,000

Turnover has grown steadily, from EUR 360,000 in 2021 to EUR 578,000 in 2022 and EUR 726,000 in 2023. Total assets exceeded EUR 890,000 in 2023, and equity capital was recently increased to EUR 288,000. Revenue was projected at over EUR 910,000 by the end of 2024, with estimated cash flow for 2024 of EUR 935,000.

Wine Way has a working capital ratio of 1.0 on its most recent financial statements and a strong credit history ranking from CreditInfo, an independent credit history aggregator. It has repaid in full, with all interest, the loans raised in 2023 (EUR 185,000) and in 2024 (EUR 584,000).

Market

The global wine and Champagne market is growing substantially, driven by consumer interest in premium products, luxury experiences and investment in fine wines. The high-end segment — Champagnes from houses such as Dom Pérignon and Krug, and wines such as Screaming Eagle and Château Lafite Rothschild — sees significant demand from both traditional markets and emerging regions.

Wine Way’s target customers include individual investors, wine funds, institutional investors and high-net-worth individuals seeking diversification and long-term investment potential. With a track record of successful wine sales and investments, the company is positioned to attract a broad client base in this market.

Collateral breakdown

Existing wine inventory (supplementary) · €500K
Existing wine inventory (supplementary)€500,000
Total pledged€500,000Stated value of the existing inventory (over €500,000); the stock bought with the loan is pledged on top.

The €50,000 loan is secured by Wine Way’s wine and Champagne stock.

1. Stock bought with the loan

  • Premium wines and Champagnes purchased with the funds.
  • The company projects this stock to appreciate by 25–30% a year.

2. Existing inventory — over €500,000

  • The existing wine inventory is offered as supplementary collateral.
  • On its own it is worth many times the loan amount.

Financing request and collateral

Wine Way is raising EUR 50,000 of working capital in one round, with a repayment term of 9 months. Most of the funds go to purchasing additional stocks of top-tier wines and Champagnes from prestigious producers worldwide.

To secure the financing, Wine Way OÜ offers its expanding wine and Champagne stock as collateral; the company projects the value of this stock to appreciate by 25–30% a year. It is also willing to use its existing wine inventory, valued at over EUR 500,000, as supplementary collateral.

Borrower

Wine WayTallinn, Estonia · founded 2008
Wine Way

Wine Way OÜ, a distinguished name in the alcoholic beverage market since 2008, is set to further enhance its offerings by expanding its wine and Champagne inventory. The company, known for its two prime retail locations in Tallinn and a comprehensive online store with reliable delivery services, serves a diverse clientele that includes local residents, tourists, wine enthusiasts, and collectors. Wine Way's product range includes a wide array of wines, Champagnes, wine accessories, and gourmet foods, all backed by a strong commitment to quality and customer service.


To capitalize on growing market demand and strengthen its position in the premium segment, Wine Way OÜ aims to acquire a substantial stock of renowned wines and Champagnes from prestigious producers around the world, including premium brands like Jacques Selosse, Perrier-Jouet, Krug, Moët & Chandon, Dom Pérignon, Veuve Clicquot etc. This strategic move is designed to meet the increasing needs of both retail and wholesale customers, including high-end restaurants, hotels, gourmet stores, and specialty wine shops.

Reg No: 11529652www.wineway.ee

About the company

Wine Way OÜ, a distinguished name in the alcoholic beverage market since 2008, runs two prime retail locations in Tallinn and a comprehensive online store with reliable delivery. It serves a diverse clientele of local residents, tourists, wine enthusiasts and collectors, with a range that includes a wide array of wines, Champagnes, wine accessories and gourmet foods.

The company has built a reputation as both a retail and a wholesale supplier. It supplies top-tier wines and Champagnes to esteemed restaurants, luxury hotels and specialised wine departments, and works with gourmet food stores, upscale markets and dedicated wine retailers, tailoring the selection to each partner’s clientele and brand positioning. Efficient logistics and reliable supply chains keep deliveries prompt, helping wholesale clients maintain optimal stock levels.

Strategy

To capitalise on growing demand and strengthen its position in the premium segment, Wine Way aims to acquire a substantial stock of renowned wines and Champagnes from prestigious producers, including Jacques Selosse, Perrier-Jouët, Krug, Moët & Chandon, Dom Pérignon, Veuve Clicquot, Screaming Eagle and Château Lafite Rothschild. The move is designed to meet the growing needs of both retail and wholesale customers — high-end restaurants, hotels, gourmet stores and specialty wine shops — and to attract a more diverse customer base in the high-end wine and Champagne market.

Repaidon Jan 9, 2026
32,936.20USDC
65.87% of 50,000 USDC
Funded date
Apr 14, 2025
Repaid date
Jan 9, 2026
Loan period
9 months
Annual interest
20.40 %