What is the SBA loan default rate for Wineries?

At 7.2%, Wineries sits well below the 15.4% all-industry SBA default rate (charged-off as a share of resolved loans), low default risk relative to other SBA industries. The rate is measured on the resolved loans (paid in full or charged off), loans that have reached a final outcome. 406 lenders actively fund this industry.

Which SBA program is best for Wineries?

The SBA 7(a) program is the most commonly used for Wineries businesses, accounting for the majority of approved loans. The SBA 504 program is popular for larger real estate and equipment purchases.

NAICS 312130ManufacturingFY2026 Fee WaiversLending Growing

How Much Can Wineries Businesses Get in SBA Loans?

Name: Wineries SBA Loan Performance Data (NAICS 312130)
Creator: PeerSense
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1,521 SBA loans totaling $796.2M have been approved for wineries businesses (NAICS 312130). The average approved SBA loan is $523K, which is 54% above avg the $340K national average. 406 active lenders fund this industry with a 7.2% default rate on the matured 2018-2021 loan cohort.

Low default risk7.2% vs 15.4% all-industry avg

At 7.2%, Wineries sits well below the 15.4% all-industry SBA default rate (charged-off as a share of resolved loans), low default risk relative to other SBA industries. Lenders price this risk into rate and structure, which is why matching the file to the right lender matters.

Quick Answer

NAICS 312130 (Wineries) received 1,521 SBA loans worth $796.2M across 5+ states. Average loan $523K, average term 158 months, 7.2% default rate (resolved-loan basis).406 active SBA-approved lenders fund this industry. Manufacturers (NAICS 31-33) qualify for FY2026 SBA fee waivers and the new MARC revolving credit program. There are approximately 4,494 U.S. establishments in this industry (Census 2022).

1,521

Total SBA Loans

$796.2M

Total Volume

$523K

Avg Loan Size

54% above avg

406

Active Lenders

158 mo

Avg Term

22% above avg

11,547

Jobs Supported

Is SBA Lending Growing for Wineries?+20% growth

$53.5M

$55.9M

$43.9M

$34.7M

$25.2M

$40.5M

$62.4M

$40.3M

$46.9M

$39.8M

FY2026 Manufacturing Fee Waivers Active

The SBA has waived guaranty fees for manufacturers (NAICS 31-33) through September 30, 2026:

$0 Fees

504 loans: all guaranty fees waived for manufacturing

$0 Fees

7(a) loans up to $950K: guaranty fee waived

$5M MARC

Revolving credit line: manufacturers only (new Oct 2025)

The proposed Made in America Manufacturing Finance Act (H.R. 3174) would double SBA limits to $10M for domestic manufacturers, currently passed House, awaiting Senate vote.

Which SBA Program Do Wineries Businesses Use Most?

SBA 7(a)1,293 (85%)

SBA 504228 (15%)

What Is the Best SBA Loan for Wineries?

SBA 7(a)

Versatile funding for working capital, equipment, and expansion. Guaranty fee waiver on loans up to $950K in FY2026

Industry avg loan: $523K

Typical term: 158 months

Historical avg rate: 7.01%

406+ lenders active in this industry

Default rate (2018–21 matured cohort): 7.2%

Where Are Wineries SBA Loans Most Common?

429 loans

$364.8M

125 loans

$37.1M

106 loans

$29.5M

67 loans

$13.2M

66 loans

$32.3M

SBA Lending Activity in Wineries

406 SBA lenders have funded 1,521 loans to wineries businesses (NAICS 312130). Which lender approves your deal depends on your location, loan size, credit profile and time in business, not on who funded someone else. PeerSense makes the introduction.

Loans funded

1,521

Active lenders

406

Total volume

$796.2M

Avg loan size

$523K

Browse all SBA lenders Best SBA lenders 2026

Wineries Industry Context

U.S. Establishments

4,494

U.S. Census Bureau · 2022

SBA Penetration

33.85%

SBA loans per establishment

Ready to Fund Your Wineries Business?

PeerSense places SBA loans for wineries businesses nationwide. We match you with the right capital source. Referral fee at closing.

Retainers

10%

Down with SBA 7(a)

25yr

Terms Available

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Tell us your loan amount and use of funds. We route you to the lender most likely to fund a deal in your industry.

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How Does SBA Lending Work for Wineries Businesses?

Across all SBA loan programs, 1,521 loans have been approved for businesses classified under NAICS 312130 (Wineries), representing $796.2M in total capital deployed. The average approved loan of $523K is 54% above avg the national SBA average of $340K, with typical repayment terms of 158 months.

SBA lending for wineries is accelerating. Loan volume has grown approximately 20% over recent fiscal years. This upward trajectory suggests expanding access to capital and growing lender confidence in this sector. Peak activity occurred in FY2017.

The industry sees a balanced mix of SBA programs, with 15% of loans using the 504 program for fixed asset acquisition and the majority using 7(a) for its flexibility across working capital, equipment, and business acquisition uses. SBA 7(a) loans offer up to $5M with terms up to 25 years for real estate.

As a manufacturing business under NAICS 31-33, you qualify for enhanced SBA incentives through September 30, 2026. The SBA has fully waived guaranty fees on all 504 loans and on 7(a) loans up to $950,000 for manufacturers. Additionally, the MARC (Manufacturers' Access to Revolving Credit) program launched in October 2025, offering up to $5M in revolving credit exclusively for domestic manufacturers, a first for SBA lending.

SBA Loan Guide SBA Calculator SBA Lender Directory Best SBA Lenders 2026 Industry Data Hub Current SBA Rates Contact Us MARC Program

Frequently Asked Questions: Wineries SBA Loans

What is the average SBA loan size for wineries businesses?

Based on 1,521 approved SBA loans, the average loan size for wineries (NAICS 312130) is $523K. This compares to the national SBA average of $340K across all industries.

Which SBA loan program is best for a wineries business?

SBA 7(a) is the most commonly used SBA program for wineries businesses. Versatile funding for working capital, equipment, and expansion. Guaranty fee waiver on loans up to $950K in FY2026. PeerSense can analyze your specific deal to determine the optimal program.

How many lenders fund SBA loans for wineries?

406 different SBA-approved lenders have funded loans in this industry. Not all lenders are equally active in every industry. PeerSense matches your deal with lenders who have experience and appetite in the wineries sector.

Are there SBA fee waivers for manufacturing businesses in 2026?

Yes. Through September 30, 2026, the SBA has waived guaranty fees on all 504 loans and on 7(a) loans up to $950,000 for manufacturers (NAICS 31-33). This can save borrowers thousands in upfront costs. The MARC program also offers revolving credit up to $5M exclusively for manufacturers.

How does PeerSense help wineries businesses get SBA loans?

PeerSense is a capital advisory firm, not a lender. We analyze your deal (loan amount, down payment, business financials) and match you with SBA-approved lenders experienced in the wineries industry. Our referral fee is established upfront in our agreement and paid at closing.

Related Manufacturing Industries

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Commercial Bakeries

All Other Miscellaneous Food Manufacturing

1,481 loans · N/A

Avg: $634K

Coffee and Tea Manufacturing

1,016 loans · N/A

Avg: $304K

Ice Cream and Frozen Dessert Manufacturing

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Avg: $318K

Data aggregated from SBA loan records (1992–2025). Wineries defined by NAICS code 312130. Not financial advice. PeerSense is a capital advisory firm, not a lender. Consult a lending professional before making financial decisions.