Wineries: SBA business acquisition loan data
30 SBA 7(a) loans since FY2018 financed the purchase of an existing business classified as Wineries (NAICS 312130), totaling $39.4M. Median loan $805,750, 25% higher than the all-acquisition median.
The purchase agreement decides what you bought, not the loan approval.
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Reading this industry's numbers
- Deal size. The loan excludes the buyer's equity and any seller note and may include working capital. A loan request far above $2,000,000 would be in the top quarter of SBA acquisition loans in this industry.
- Share of all acquisitions. This industry is 0.1% of all SBA-financed business purchases, ranking #227 of 300 industries tracked.
- Geography. California leads with 5 loans; the top five states account for 53% of the industry's acquisitions.
- Jobs. Lenders reported 287 jobs supported across these loans, about 9.6 per acquisition, a rough proxy for the size of business changing hands.
Wineries acquisitions by year
| Fiscal year | Loans | Total approved | Median loan | |
|---|---|---|---|---|
| FY2018 | 1 | $3.2M | $3,195,000 | |
| FY2019 | 3 | $3.2M | $230,000 | |
| FY2020 | 2 | $4.4M | $2,204,150 | |
| FY2021 | 2 | $2.5M | $1,231,700 | |
| FY2022 | 8 | $8.8M | $1,019,500 | |
| FY2023 | 4 | $2.1M | $326,100 | |
| FY2024 | 2 | $515K | $257,500 | |
| FY2025 | 3 | $4.4M | $500,000 | |
| FY2026 | 5 | $10.3M | $1,452,000 |
How often do these acquisition loans fail?
Fewer than 20 Wineries acquisition loans are old enough to measure losses reliably, so no charge-off rate is shown. The benchmark across all SBA acquisition loans in the FY2018 to FY2021 cohort is 3.5% by count. Non-acquisition 7(a) loans (every other stated purpose) approved FY2018 to FY2021 charged off at 6.2%.
"Charged off" is the SBA's final loss action on a defaulted loan after collection efforts. It lags default by a year or more, which is why only older cohorts are measured. It is not the same as a delinquency rate, and loans still outstanding can still fail. See charge-off in the glossary.
Seller note standby terms and third-party consents are reviewed before closing.
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Top states
| # | State | Loans | Share | Dollars | |
|---|---|---|---|---|---|
| 1 | California | 5 | 16.7% | $6.5M | |
| 2 | New Jersey | 3 | 10.0% | $9.2M | |
| 3 | Wisconsin | 3 | 10.0% | $1.9M | |
| 4 | Iowa | 3 | 10.0% | $1.8M | |
| 5 | Virginia | 2 | 6.7% | $5.2M | |
| 6 | Florida | 2 | 6.7% | $3.4M | |
| 7 | Washington | 2 | 6.7% | $3.2M | |
| 8 | North Carolina | 2 | 6.7% | $2.2M | |
| 9 | Colorado | 1 | 3.3% | $2.7M | |
| 10 | Arizona | 1 | 3.3% | $1.4M |
Most active lenders
| # | Lender | Loans | Share | Dollars | |
|---|---|---|---|---|---|
| 1 | Live Oak Banking Company | 4 | 13.3% | $5.1M | |
| 2 | TowneBank | 4 | 13.3% | $2.6M | |
| 3 | First Internet Bank of Indiana | 2 | 6.7% | $4.4M | |
| 4 | The Stephenson National Bank and Trust | 2 | 6.7% | $1.8M | |
| 5 | Unity Bank | 1 | 3.3% | $4.8M | |
| 6 | Beacon Bank and Trust | 1 | 3.3% | $3.2M | |
| 7 | SouthState Bank, National Association | 1 | 3.3% | $3.2M | |
| 8 | Customers Bank | 1 | 3.3% | $3M | |
| 9 | UMB Bank, National Association | 1 | 3.3% | $2.7M | |
| 10 | Harborstone CU | 1 | 3.3% | $2M |
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Questions buyers ask
How much is a typical SBA loan to buy a business in Wineries?
Median $805,750 across 30 acquisition loans (FY2018 to FY2026); the middle half ran $231,350 to $2,000,000. That is 25% higher than the $645,250 median for all SBA-financed acquisitions.
Which lenders finance the most Wineries acquisitions?
Live Oak Banking Company (4), TowneBank (4), First Internet Bank of Indiana (2), The Stephenson National Bank and Trust (2), Unity Bank (1).
Are businesses in Wineries often franchised?
Rarely. Only 0% of acquisition loans in this industry involved a franchised business; most are independent operators.
How risky are SBA loans for buying a business in Wineries?
Too few loans are old enough to measure for this industry. The all-acquisition benchmark is 3.5%.
What loan terms are common for Wineries acquisitions?
Median term 12.5 years, average initial rate 7.47% at approval (blended across years and fixed/variable structures). Terms longer than 10 years usually indicate real estate was included in the purchase.
Seller note standby terms and third-party consents are reviewed before closing.
Submit Transaction DetailsAlex Lubyansky leads every engagement.
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