How much do SBA lenders typically lend to a wineries business?

The median SBA approval in NAICS 312130 is $210,000, with the middle 80% of loans between $25,000 and $1,794,000. Across all industries the median is $180,000.

Which lenders are most active in wineries?

By dollars approved: Live Oak Banking Company, Poppy Bank, Mortgage Capital Development Corporation, Nano Banc, Newtek Small Business Finance, Inc.. A lender's experience in your NAICS code matters - underwriters who have seen a hundred deals like yours ask better questions and move faster.

Is wineries considered a risky industry by SBA lenders?

Of FY2010-FY2019 approvals in this industry that have reached a terminal status, 4.0% were charged off, versus 7.6% across all SBA lending. That is below average, which generally makes lenders more comfortable with the sector.

NAICS 312130 · Manufacturing

SBA loans for wineries

1,122 SBA loans worth $693.7M have been approved in this industry since FY2010 - the #186 most-financed NAICS code in the country.

Median loan

$210,000

+17% vs all industries

Typical range

$25K-$1.8M

Middle 80%

Median rate

6.25%

7(a) initial note rate

Median term

10 yr

Charge-off rate

4.0%

vs 7.6% all industries

Source: U.S. Small Business Administration, SBA 7(a) and 504 FOIA data, as of 2026-06-30. Approvals from FY2010 onward. How we calculate this.

Lenders

Most active in this industry

Lender	Loans	Approved
Live Oak Banking Company	75	$107.5M
Poppy Bank	10	$26.6M
Mortgage Capital Development Corporation	13	$25.5M
Nano Banc	6	$21.1M
Newtek Small Business Finance, Inc.	13	$20.9M
Bay Area Employment Development Company	11	$19.3M
Summit State Bank	9	$12.4M
Enterprise Bank & Trust	5	$12.3M
Wells Fargo Bank	31	$11.5M
Celtic Bank Corporation	17	$11.0M

Geography

Where these loans were made

State	Loans	Share
California	306
Washington	101
New York	64
Wisconsin	53
Ohio	51
Pennsylvania	46
Oregon	43
Michigan	41

Approvals by fiscal year

’10

’11

’12

’13

’14

’15

’16

’17

’18

’19

’20

’21

’22

’23

’24

’25

’26

Loan count. Final bar is a partial fiscal year.

Loan sizes

Under $50K
14%
$50K - $150K
23%
$150K - $350K
23%
$350K - $1M
21%
$1M - $2M
9%
Over $2M
9%

Nearby

Other manufacturing industries

See the sector

Breweries4,377 · $265,000 Retail Bakeries2,557 · $150,000 Commercial Bakeries1,411 · $150,000 All Other Miscellaneous Food Manufacturing1,008 · $300,000 Coffee and Tea Manufacturing804 · $127,750 Apparel Accessories and Other Apparel Manufacturing782 · $200,000 Distilleries769 · $250,000 Ice Cream and Frozen Dessert Manufacturing508 · $170,000

Common questions

How much do SBA lenders typically lend to a wineries business?: The median SBA approval in NAICS 312130 is $210,000, with the middle 80% of loans between $25,000 and $1,794,000. Across all industries the median is $180,000.
Which lenders are most active in wineries?: By dollars approved: Live Oak Banking Company, Poppy Bank, Mortgage Capital Development Corporation, Nano Banc, Newtek Small Business Finance, Inc.. A lender's experience in your NAICS code matters - underwriters who have seen a hundred deals like yours ask better questions and move faster.
Is wineries considered a risky industry by SBA lenders?: Of FY2010-FY2019 approvals in this industry that have reached a terminal status, 4.0% were charged off, versus 7.6% across all SBA lending. That is below average, which generally makes lenders more comfortable with the sector.

We are a publisher, not a lender or broker. We never take applications and are never paid by borrowers. Read the full disclosures.