SBA 7(a) • CDC/504 • Express • USDA B&I

Funding Solutions for Wineries | SBA Business Loans

Funding options for wineries companies including working capital and expansion financing.

SBA Financing for Production Equipment, Storage, and Growth in Wineries

Wineries can have diverse financing needs that include production equipment, bottling lines, storage tanks, tasting room improvements, inventory support, and working capital. Whether the winery focuses on wholesale distribution, direct-to-consumer sales, hospitality, or a blended model, SBA financing may help support expansion and strengthen the business infrastructure needed for sustainable growth.

SBA 7(a) financing may be used for crush equipment, fermentation tanks, bottling systems, labeling equipment, barrels, refrigeration, furniture, delivery vehicles, and eligible refinancing. If the business is purchasing or improving an owner-occupied production facility, warehouse, or tasting room property, SBA-backed real estate financing may also be relevant. For wineries, the right loan structure can help align large fixed investments with longer-term revenue development.

  • Production equipment for crushing, fermentation, bottling, labeling, and storage
  • Working capital for inventory aging, labor, packaging, marketing, and operating expenses
  • Facility improvements for tasting rooms, hospitality areas, production space, and warehousing
  • Distribution support including vehicles, logistics, and market expansion costs
  • Real estate financing for owner-occupied winery operations and related facilities

A lender will often review revenue streams, inventory cycle, margin profile, management experience, and how the requested capital strengthens production, customer experience, or long-term business value.

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Whether you are evaluating an acquisition, owner-occupied real estate purchase, equipment need, or working capital request, we can help you assess the next step.

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