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loanLoan
Capital at risk
12
Months
15.0%
apr
Director
guaranteed
Capital at risk
Director guaranteed
Amount
£
You make
£
Minimum investment is £100
Total return
£
Monthly repayments
£

Wine & Something, founded by Rob and Dale, offers a diverse selection of handcrafted wines for all occasions, catering to individuals from wine enthusiasts to occasional sippers. What sets them apart is their exclusive portfolio, with 92% of their wines not available elsewhere, coupled with exceptional customer service. With a strong commitment to sustainability and their recent B-Corp application, they aim to be the most aspirational and environmentally friendly wine retailer in the UK.

Your Moments, Our Wines, Pure Magic

Five years ago, Dale and I embarked on a journey from the world of finance to the world of wine, and Wine & Something was born. This venture was fueled by my passion for lovingly made wine with incredible stories, and my desire to share these treasures with the world. Our mission is to curate an exceptional selection of wines for every occasion, enriching life's moments, all while championing sustainability.

Our inspiration comes from the small joys in life, those moments of celebration, laughter, and connection with loved ones. Whether it's a cozy evening with a loved one, a grand wedding, or a festive Christmas gathering, we believe that good wine has the power to elevate these experiences. But it's not just us. Our entire team shares this fervor. We've rigorously tested and curated our portfolio to suit diverse tastes, from wine connoisseurs to those who enjoy a glass on special occasions. What sets us apart is that 92% of our wines are exclusive to Wine & Something, making us your gateway to fabulous hidden gems.

Our commitment to sustainability drives our business forward. We are proud to have submitted our B-Corp application, becoming the first wine business to do so. This not only opens doors to a new corporate market but also underscores our dedication to leaving no environmental hangover. Sustainability is not just a buzzword for us; it's at the heart of what we do.
One of the cornerstones of our business is our commitment to working with family-owned, independent wine producers who share our passion, integrity, and personality. Robin, our Master of Wine, has scoured the globe, hand-picking over 300 wines from the most brilliant artisanal producers. Our dedication doesn't stop at the quality of our wines. We also understand the importance of prompt delivery. That's why our delivery is swift – no one likes to wait for good wine!

As Wine & Something continues to grow, so does the demand for our products. In essence, Wine & Something isn't just about wine; it's about enhancing life's greatest pleasures, one sip at a time. Whether you're celebrating a special occasion or simply unwinding after a long day, we're here to provide the perfect companion for your moments of joy.

Credit commentary:
This is our third funding with this business. The previous loans have been maintained to our entire satisfaction to date. The directors are providing a personal guarantee, which means that if the business fails the directors become personally liable for the loan. The directors have a medium financial profile. One of the directors is a homeowner whose property has been calculated at £962,000. The funds will be used to support our requirements for Christmas orders.

Inflation risk:
As the majority of lending to the business is at a fixed rate, they will not be immediately affected by interest rate increases.

X

Business keeps the raised amount even if target is not met.
Loan - product type
Maximum
£ 54k
Raised
£ 54k
Investors
117
Est close date
Funded 8 months ago in 1 day

Where will the funds go?

Stock Purchase
£27,174
Expansion
£27,174

Key people

Robert John Edwards
Director
Dale Agar
Director

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Business brand

Guildford, UK

"Your Moments, Our Wines, Pure Magic"

Incorporated
5 years, 6 months
Credit risk indicator

Risk warning

Past performance and forecasts are not reliable indicators of future results. Your capital invested is not covered for compensation in the event of a loss by the FSCS. Tax treatment will depend on the individual circumstances and may be subject to change. Please see our Risk section before making an investment decision.