Food and Beverage Manufacturing Financing Nationwide, Equipment, Cold Chain and Facilities
🥫 Financing Built for Food and Beverage MakersI’m Kevin Kermeen, a nationwide commercial loan broker, not a bank. Food and beverage manufacturing financing fits the most specialized corner of manufacturing: high-ticket processing and packaging lines, a capital-heavy cold chain, and food-grade facilities that cost more to build because they have to meet HACCP, FDA and USDA standards. I finance the mixers, ovens, fillers, bottling and canning lines and refrigeration with the equipment as collateral, and for the plant itself I have conventional commercial real estate financing up to $100 million* to buy or build, no SBA paperwork. Co-packer scaling or perishable-inventory cash gap? Covered. I match you to lenders who fund food and beverage producers.
Food and Beverage Manufacturing Financing for Every Part of Production
Whether you’re financing a bottling line, building a food-grade plant, or funding the ingredients for a big retail order, there’s a path built for it. Here’s what food and beverage manufacturing financing commonly covers.
Processing and Packaging Equipment
Finance mixers, ovens, fillers, bottling and canning lines, pasteurizers and packaging, with the equipment as collateral.
Cold Chain and Refrigeration
Finance walk-in coolers, freezers, blast chillers and cold-storage space, the capital-heavy refrigeration food and beverage demands.
Food-Grade Facility (to $100M*)
Buy or build a food-grade plant with conventional real estate financing, sanitary surfaces, drainage and HACCP-ready construction.
Co-Packing and Contract Scale
Scale a co-packing or contract manufacturing operation, the equipment and working capital to make product for other brands.
Perishable Inventory and Ingredients
Front the ingredients and packaging for a big retail or distributor order before you get paid, working capital for the perishable cash gap.
Expand, Acquire and Modernize
Add a second line, buy a competitor or co-packer, or modernize the plant, growth and acquisition financing for food and beverage.
A Co-Packer Financed a Full Bottling Line and Cold Storage to Win a National Retail Account
A beverage co-packer landed a national retail account, but only if it could add a high-speed bottling line and cold storage to meet the volume. The equipment ran into the high six figures, the perishable ingredients had to be bought up front, and the bank wanted collateral and history the growing company could not show.
They called me. I matched the company to equipment financing on the bottling line and refrigeration, with the machines as collateral, plus a working-capital line to front the ingredients before the retailer paid. The line went in, the account was won, and the order grew the business instead of straining it.
That’s what the right food and beverage match looks like. Don’t Beg the Bank! Get funded instead.
Food and Beverage Manufacturing Financing, the Right Tool for Each Need
Food and beverage manufacturing financing isn’t one product. The right structure depends on whether you’re funding equipment, refrigeration, the plant, or the perishable cash gap. I match you to the one that fits, tap any to explore it.
Equipment Financing
Processing lines, fillers, ovens, bottling, canning and refrigeration, with the equipment as collateral.
See SBA 7(a)Commercial Real Estate
Buy or refinance a food-grade plant with conventional financing up to $100 million* on qualified deals.
See commercial real estateSBA 504 and Real Estate
Own the food-grade plant your production runs in with long-term, fixed-rate commercial real estate financing.
See SBA 504Working Capital
Front perishable ingredients and packaging before the retailer or distributor pays you.
See working capitalConstruction and Development
Build a new food-grade plant or expand, ground-up construction and development drawn in stages.
See working capitalLine of Credit
Revolving capital for perishable ingredients and order swings, draw only what you need.
See lines of creditQualifying for Food and Beverage Manufacturing Financing
Food and beverage financing mixes equipment, real estate and working capital, and the right lenders understand the cold chain, food-grade build-outs and the perishable cash cycle. On equipment the machine is the collateral; on the plant, conventional lenders underwrite the property and the deal. So a producer with real orders, solid equipment or a good facility has strong options. I qualify deals honestly.
✅ What helps you qualify
- ✔An operating or planned food or beverage production business.
- ✔Real orders and solid equipment or a plant, the foundation a food and beverage lender wants.
- ✔A production business and a deal a lender can verify.
- ✔A down payment or contribution, which a parent or family member can help with.
💡 Straight talk
- →Processing and refrigeration equipment is financed with the machine as collateral.
- →The food-grade plant runs on conventional real estate up to $100 million*, no SBA needed.
- →Credit is flexible, there’s no single hard FICO floor; stronger credit means better terms.
- →A past bank rejection does not disqualify you; the deal and your credit matter more.
Get Your Food and Beverage Financing Options
A quick, no-pressure pre-qualification. I personally review every submission, no call center, no junior rep.
Got it. I’m on it.
Your food and beverage financing request landed in my inbox. I personally review every submission and most responses go out within one business hour.
Watch for a call from me, Kevin Kermeen, I call directly, I don’t text.
Recent Food and Beverage Manufacturing Financing From My Desk
A snapshot of the food and beverage manufacturing financing I match to lenders nationwide, line by line. Every producer is different, yours starts with a conversation.
Food and Beverage Manufacturing Financing · Bottling Line
A co-packer financed a high-speed bottling line and cold storage to win a national retail account.
Cold Chain Expansion
A frozen-food maker financed blast chillers and freezer space to expand capacity for a distributor contract.
Food-Grade Plant
A producer bought a food-grade facility on conventional real estate financing for a new product line.
How I Match Food and Beverage Manufacturing Financing to the Right Lender
Food and beverage manufacturing financing is its own world. The cold chain, food-grade build-outs and perishable cash cycle scare off generalist lenders but are routine for the right ones. I work with many, so I match your food and beverage manufacturing financing to the lender who understands processing equipment, refrigeration, food-grade plants and the perishable order cycle, and I review the options with you before you commit.
Here’s the reality for a food or beverage producer. You carry costs no other manufacturer does. Your processing and packaging equipment, mixers, ovens, fillers, bottling and canning lines and pasteurizers, runs into six and seven figures, and it finances cleanly with the machine as collateral. Your cold chain, walk-in coolers, freezers, blast chillers and cold storage, is capital-heavy and central to the business. Your plant has to be food-grade, with sanitary surfaces, proper drainage and HACCP, FDA and USDA-compliant construction, which makes the facility more expensive to buy or build, and that is exactly where conventional commercial real estate financing up to $100 million* fits, fast and without SBA paperwork. And your cash cycle is sharper than most, because you buy perishable ingredients and produce before the retailer or distributor pays, with spoilage risk in between, so working capital and a line of credit matter more here than almost anywhere. According to the U.S. Small Business Administration, its 7(a) program is also available for equipment and expansion when you want a government-backed route.
The right structure depends on what you’re doing. The equipment usually runs through SBA 7(a) loan, and broader options live across the SBA loan programs. Processing lines, fillers and refrigeration are best matched to equipment financing with the machine as collateral, the food-grade plant to conventional commercial real estate or construction financing, and the perishable cash gap to working capital or a line of credit. If you want to own the building, an SBA 504 loan or commercial real estate loan gives long-term, fixed-rate terms. Needing the plant points to facility and real estate financing, and the ramp-up months are covered by working capital loans or a business line of credit.
So tell me what you make and what you need, a processing line, cold storage, a food-grade plant, or working capital for a big order, and I’ll tell you honestly which food and beverage manufacturing financing fits, match you to a lender who knows the industry, and stay with you through closing. For other manufacturing financing, see my manufacturing business loans hub, or compare every option on my loan programs page. Don’t Beg the Bank! Get funded instead.
Sources: U.S. Small Business Administration, 7(a) loan program and 504 loan program.
Straight Answers Before You Apply
What is food and beverage manufacturing financing?
How do I finance food processing and packaging equipment?
Can I finance cold storage and refrigeration?
How do I pay for ingredients before a big order pays out?
Do I have to use SBA to buy a food-grade plant?
What does it cost to work with you?
A Broker Who Knows Which Lenders Fund Food and Beverage
I’m Kevin Kermeen, the nationwide commercial loan broker behind 75BizLoans.com, not a bank and not a lead-selling portal. Food and beverage manufacturing financing has lenders who understand the cold chain, food-grade build-outs and the perishable cash cycle, and matching you to the right one, for equipment, refrigeration, the plant or working capital, is the whole point of working with me. I personally review every application, I call you directly, and I never text. For program details, see the SBA’s 7(a) loan program.
Don’t Beg the Bank!
Get Funded Instead.
Banks hand out umbrellas when the sun is shining, not when you’re weathering the storm … and they’ll choke on the cold chain and food-grade build-out. I match you to food and beverage manufacturing financing built for production … finance the processing line and cold chain with the equipment as collateral, buy or build a food-grade plant on conventional real estate up to $100 million*, fund the perishable cash gap, and get a same-day callback from a broker who reviews every deal himself.
Loan amounts, terms, rates and funding speed shown reflect typical lender programs, not guarantees, and vary by lender, creditworthiness, the equipment or property, collateral and structure. Food and beverage manufacturing financing for equipment and working capital generally ranges from $10,000 to $5 million, with conventional commercial real estate, construction and development available up to $100 million* on qualified facility transactions. *Equipment and conventional real estate financing are commonly financed through SBA 7(a); SBA loans follow standard SBA timelines and eligibility, and “no two years of history needed” refers to acqequipment loans underwritten on the machine as collateral rather than the borrower’s prior’s prior business history. Credit is considered along with other factors; there is no single hard minimum FICO simply to apply, but stronger credit supports better rates and terms, and not all applicants are approved. *Conventional commercial real estate, development and construction financing up to $100 million applies only to qualified transactions; terms, leverage and timing vary by lender, the property and the deal. SBA 504 and 7(a) loans are capped at $5 million and are separate government-backed programs with their own rules and timelines set by the SBA. Tax treatment including 100% bonus depreciation depends on your situation and current law; consult your tax advisor. No upfront fees refers to fees payable to 75BizLoans.com; I am compensated by the lender at closing. Some partner lenders may require a commitment fee or deposit upon your acceptance of their term sheet; any such fee is the lender’s, is disclosed before you commit, and is separate from any compensation to me. Final eligibility, rate, term and structure are determined by the lender. This is not a commitment to lend. Same-day approvals are common when the application reaches me before 9am Arizona Time.