How Much Can Wineries Businesses Get in SBA Loans?
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 4.5% historical default rate.
NAICS 312130 (Wineries) received 1,521 SBA loans worth $796.2M across 5+ states. Average loan $523K, average term 158 months, default rate 4.5%.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).
Is SBA Lending Growing for Wineries?+20% growth
FY2026 Manufacturing Fee Waivers Active
The SBA has waived guaranty fees for manufacturers (NAICS 31-33) through September 30, 2026:
504 loans — all guaranty fees waived for manufacturing
7(a) loans up to $950K — guaranty fee waived
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?
What Is the Best SBA Loan for Wineries?
Versatile funding for working capital, equipment, and expansion — guaranty fee waiver on loans up to $950K in FY2026
Where Are Wineries SBA Loans Most Common?
Top SBA Lenders for Wineries
These banks have funded the most SBA loans for wineries businesses (NAICS 312130). PeerSense routes deals to lenders with proven appetite in your industry.
| # | Lender | Loans | Volume |
|---|---|---|---|
| 1 | Live Oak Banking Company(NC) | 69 | $98.3M |
| 2 | Wells Fargo Bank National Association(SD) | 57 | $13.6M |
| 3 | The Huntington National Bank(OH) | 54 | $8.6M |
| 4 | Columbia Bank(OR) | 47 | $14.6M |
| 5 | Banner Bank(WA) | 44 | $10.1M |
Wineries Industry Context
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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.
Frequently Asked Questions — Wineries SBA Loans
What is the average SBA loan size for wineries businesses?
Which SBA loan program is best for a wineries business?
How many lenders fund SBA loans for wineries?
Are there SBA fee waivers for manufacturing businesses in 2026?
How does PeerSense help wineries businesses get SBA loans?
Related Manufacturing Industries
Breweries
Retail Bakeries
Commercial Bakeries
All Other Miscellaneous Food Manufacturing
Coffee and Tea Manufacturing
Ice Cream and Frozen Dessert Manufacturing
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.