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

The median SBA approval in NAICS 312140 is $250,000, with the middle 80% of loans between $47,000 and $1,440,000. Across all industries the median is $180,000.

Which lenders are most active in distilleries?

By dollars approved: Live Oak Banking Company, TowneBank, The Huntington National Bank, Manufacturers and Traders Trust Company, Old National Bank. 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 distilleries considered a risky industry by SBA lenders?

Of FY2010-FY2019 approvals in this industry that have reached a terminal status, 4.5% were charged off, versus 7.6% across all SBA lending. That is below average, which generally makes lenders more comfortable with the sector.

NAICS 312140 · Manufacturing

SBA loans for distilleries

769 SBA loans worth $432.2M have been approved in this industry since FY2010 - the #245 most-financed NAICS code in the country.

Median loan

$250,000

+39% vs all industries

Typical range

$47K-$1.4M

Middle 80%

Median rate

6.25%

7(a) initial note rate

Median term

10 yr

Charge-off rate

4.5%

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	31	$37.5M
TowneBank	16	$12.8M
The Huntington National Bank	42	$9.9M
Manufacturers and Traders Trust Company	31	$9.1M
Old National Bank	5	$8.5M
Newtek Small Business Finance, Inc.	4	$8.0M
Empire State Certified Development Corporation	11	$7.8M
Alloy Development Co., Inc.	5	$7.8M
Capital Access Corporation - Kentucky	3	$7.5M
Newtek Bank	14	$7.4M

Geography

Where these loans were made

State	Loans	Share
New York	60
California	53
Michigan	41
Colorado	37
Ohio	37
Washington	36
Texas	35
Minnesota	35

Approvals by fiscal year

’10

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Loan count. Final bar is a partial fiscal year.

Loan sizes

Under $50K
11%
$50K - $150K
22%
$150K - $350K
28%
$350K - $1M
24%
$1M - $2M
9%
Over $2M
7%

Nearby

Other manufacturing industries

See the sector

Breweries4,377 · $265,000 Retail Bakeries2,557 · $150,000 Commercial Bakeries1,411 · $150,000 Wineries1,122 · $210,000 All Other Miscellaneous Food Manufacturing1,008 · $300,000 Coffee and Tea Manufacturing804 · $127,750 Apparel Accessories and Other Apparel Manufacturing782 · $200,000 Ice Cream and Frozen Dessert Manufacturing508 · $170,000

Common questions

How much do SBA lenders typically lend to a distilleries business?: The median SBA approval in NAICS 312140 is $250,000, with the middle 80% of loans between $47,000 and $1,440,000. Across all industries the median is $180,000.
Which lenders are most active in distilleries?: By dollars approved: Live Oak Banking Company, TowneBank, The Huntington National Bank, Manufacturers and Traders Trust Company, Old National Bank. 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 distilleries considered a risky industry by SBA lenders?: Of FY2010-FY2019 approvals in this industry that have reached a terminal status, 4.5% were charged off, versus 7.6% across all SBA lending. That is below average, which generally makes lenders more comfortable with the sector.

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