Brewery Winery Distillery Financing Nationwide for Craft Producers, $10K to $5M
🍺 Financing Built for Craft ProducersI’m Kevin Kermeen, a nationwide commercial loan broker, not a bank. Brewery winery distillery financing funds the most capital-heavy corner of food and drink, the fermenters, brewhouse, tanks, stills and bottling lines, the build-out, and the taproom that turns your product into retail margin. Banks see a six-figure equipment list and a TTB permit still pending, and they freeze. I match you to lenders who fund craft producers and understand both the equipment and the licensing timeline.
Brewery Winery Distillery Financing for Every Part of the Build
Whether you’re installing a brewhouse, scaling production, or opening a tasting room, there’s a path built for it. Here’s what brewery winery distillery financing commonly covers.
Brewhouse, Tanks and Fermenters
Finance the brewhouse, fermentation and brite tanks, the six-figure heart of a production brewery, with the gear as collateral.
Stills, Barrels and Tanks
Finance distillery stills, winery tanks, barrels and aging inventory, the production assets behind every bottle.
Bottling and Canning Lines
Finance bottling, canning and packaging lines, the equipment that turns your batch into product you can sell.
Taproom and Tasting Room
Fund the taproom or tasting-room build-out that turns wholesale-margin product into high-margin direct retail.
Build-Out, Glycol and Utilities
Finance the facility build-out, glycol cooling, floor drains, power and the heavy utilities production demands.
Working Capital and Aging Inventory
Carry the long gap between production and sale, aging spirits and wine tie up cash for months or years.
A Brewery Doubled Its Tanks for a Distribution Deal the Bank Couldn’t Underwrite
A successful craft brewery landed a regional distribution deal that would double its volume, but only if it could double its fermentation capacity fast. The new tanks ran well into six figures, and the bank balked at the cost, the licensing layer and a craft model it did not understand, even with signed distribution in hand.
They called me. I matched them to brewery winery distillery financing that financed the new tanks and fermenters with the equipment as collateral, plus working capital to carry the extra production until distribution revenue caught up. It funded, the capacity doubled, and the brewery filled the distribution deal instead of turning it down.
That’s what the right match looks like for a craft producer. Don’t Beg the Bank! Get funded instead.
How I Fund Craft Producers, the Right Tool for Each Need
Brewery winery distillery financing isn’t one product. The right structure depends on equipment, real estate or cash flow. I match you to the one that fits, tap any to explore it.
Equipment Financing
Brewhouse, tanks, stills and bottling lines, financed with the production equipment as collateral.
See SBA 7(a)SBA 7(a) Loans
Start, buy or expand a brewery, winery or distillery, bundling equipment and build-out, often limited money down.
See SBA 7(a)SBA 504 and Real Estate
Own the building your production runs in with long-term, fixed-rate commercial real estate financing.
See SBA 504SBA 504 and Real Estate
Own the production facility and taproom with long-term, fixed-rate real estate financing.
See SBA 504Working Capital
Carry payroll, ingredients and aging inventory through the long gap before product sells.
See working capitalLine of Credit
Revolving capital for the ups and downs of running production, draw only what you need.
See lines of creditQualifying for Brewery Winery Distillery Financing
Brewery winery distillery financing has a real anchor: the production equipment is expensive but holds strong resale value as collateral, and a signed distribution or wholesale deal is provable demand. Lenders who know the craft space weigh your licensing status, your equipment and your sales pipeline. A producer with a TTB permit in hand or in process, a solid plan and decent credit has real options. I qualify deals honestly.
✅ What helps you qualify
- ✔A TTB permit, in hand or in process, and a plan to produce and sell.
- ✔A TTB permit and decent credit, the foundation a craft lender wants.
- ✔A TTB permit in hand or in process and production equipment to anchor it.
- ✔A down payment or contribution, which a parent or family member can help with.
💡 Straight talk
- →Production equipment is financed with the gear as collateral, anchoring the deal.
- →A signed distribution or wholesale deal is provable demand that strengthens the file.
- →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 Brewery Winery Distillery 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 brewery winery distillery 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 Brewery Winery Distillery Financing From My Desk
A snapshot of the brewery winery distillery financing I match to lenders nationwide, producer by producer. Every producer and product is different, yours starts with a conversation.
Brewery Winery Distillery Financing · Tanks
A brewery doubled fermentation capacity to fill a distribution deal, tanks financed as collateral.
Distillery and Taproom
A distillery financed stills and a tasting-room build-out to add high-margin direct retail sales.
Winery Working Capital
A winery used working capital to carry aging inventory through the long gap before the vintage sold.
How I Match Brewery Winery Distillery Financing to the Right Lender
Most lenders have no framework for a craft producer, expensive equipment, a federal permit and a long cash-conversion cycle, but the lenders who specialize in the space do. I work with many, so I match your brewery winery distillery financing to the lender that funds your goal, production equipment, a build-out, real estate or working capital, and I review the options with you before you commit.
Here’s the reality for a craft producer. A brewery, winery or distillery is the most capital-intensive food-and-drink business there is: the brewhouse, tanks, stills and bottling lines run well into six figures, you need a federal TTB permit plus state licensing before you can sell a drop, and your cash sits tied up in product that ages for months or years before it earns. A generalist bank chokes on all three. Specialist lenders see it clearly: they finance the production equipment with the gear itself as collateral, since it holds strong resale value, wrap the build-out into an SBA loan, fund the real estate through SBA 504, and use working capital to carry aging inventory and the licensing gap. A signed distribution or wholesale deal makes the file even stronger. According to the U.S. Small Business Administration, the 7(a) and 504 programs are designed precisely for this kind of equipment, real estate and expansion financing.
The right structure depends on what you’re doing. Production equipment usually runs through SBA 7(a) loan, and broader options live across the SBA loan programs. The brewhouse, tanks, stills and bottling lines are best matched to equipment financing, where the production gear is the collateral. If you want to own the building, an SBA 504 loan or commercial real estate loan gives long-term, fixed-rate terms. Launching a brand-new producer points to restaurant startup financing, and the ramp-up months are covered by working capital loans or a business line of credit.
So tell me what you produce and what you’re building, equipment, a taproom, real estate or working capital, and I’ll tell you honestly which brewery winery distillery financing fits, match you to a lender who knows the craft space, and stay with you through closing. Other food and drink businesses, see my restaurant financing 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 brewery, winery and distillery financing?
Can I get financing before my TTB permit is approved?
How do I finance tanks, stills and bottling lines?
How do I finance a taproom or tasting room?
How much can I borrow for a brewery, winery or distillery?
What does it cost to work with you?
A Broker Who Knows Which Lenders Fund Craft Producers
I’m Kevin Kermeen, the nationwide commercial loan broker behind 75BizLoans.com, not a bank and not a lead-selling portal. Craft production lending lives with a small group of lenders who understand expensive equipment, TTB licensing and long aging cycles, and matching you to the right one 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 freeze at a tank farm with a permit still pending. I match you to brewery winery distillery financing built for craft production … fund the tanks and stills with the gear as collateral, build the taproom through SBA, carry the aging inventory, 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, production and sales performance, collateral and structure. Brewery, winery and distillery financing generally ranges from $10,000 to $5 million depending on equipment and need. *Production equipment and build-out are commonly financed through SBA 7(a); SBA loans follow standard SBA timelines and eligibility, and “no two years of history needed” refers to acqloans underwritten on the production equipment and sales pipeline rather than the borrower’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. *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.