Wineries & Vineyards financing
The vintage you're paying for won't sell for five years.
Planting to first crop runs three to five years, and reds sit in barrel one to three more — cash is committed for the better part of a decade before a bottle sells. Meanwhile the land payment, the vineyard crew, and the cellar all carry monthly.
The financing reality
Your money moves on a cycle. So should your capital.
Planting and developing 10 new acres of vines runs roughly $300,000–$500,000 before the first commercial harvest.
A typical situation, not a quote.
What usually fits
Top financing for wineries & vineyards.
Three products that match this industry's cash-flow pattern — with the honest reason for each.
SBA Loans
Long terms that match a crop that takes years to become revenue.
- Approval range
- $50K – $5M
Term Loans
A defined raise for planting, barrels, or a tasting-room build.
- Approval range
- $25K – $10M
Business Line of Credit
Carry harvest and bottling costs while the vintage ages.
- Approval range
- $10K – $2M
Agriculture
Related industries
Wineries & Vineyards financing
Capital that fits how you actually get paid.
Tell us about your business once. One advisor maps your cash-flow cycle to the right partners — and shows the true cost of every option.