Working capital for wineries.
Harvest, barrels, and aging all demand cash years before the vintage is ready to sell. Serving wineries nationwide.
We know how wineries really run.
Financing built around your industry's real cash-flow rhythm — not a one-size-fits-all bank box.
How each option works
The programs our lending partners actually offer businesses like yours. Not sure which one? Check your options and we'll match the structure to the deal.
Equipment Financing
Get the equipment. Keep your cash.
See terms & details →Inventory Financing
Turn inventory into working capital.
See terms & details →Working Capital Loan
Money for payroll, stock, and the slow months.
See terms & details →SBA 7(a) Loan
The most flexible SBA loan there is.
See terms & details →Want the full picture first? Get a free Capital Position Report — where your business stands and what it likely qualifies for.
The pressure points we solve
The cash-flow squeezes we hear about most — and the fair fix for each.
The squeezeHarvest costs hit all at once each year.
The fair fixFast funding to cover crush and harvest labor before the season overwhelms your cash.
The squeezeBarrel aging ties up cash for years.
The fair fixWorking capital to carry aging inventory without draining your day-to-day funds.
The squeezeTasting room upgrades are costly.
The fair fixFixed, predictable payments to build out your tasting room, not a daily debit draining you.
What vintners use it for
Put the capital where it moves the needle most.
Crush & press equipment
Oak barrels & tanks
Bottling & corking lines
Tasting room build-outs
Harvest & cellar labor
Distribution & shipping
Related industries
Businesses with a similar cash-flow rhythm, and the financing we see them use.
Tools and guides for wineries
Run the numbers
Compare side by side
Guides & related financing
From our insights
What it takes to qualify
Most deals here are secured by equipment, trucks, receivables, or property — but if you need cash-flow financing, that path qualifies differently.
Real Estate & Assets
- Credit generally 620+ (equipment) to 640+ (rental property)
- Equity or down payment — typically up to ~75% loan-to-value
- The property's income covers the payment (DSCR programs)
- No tax returns required on most DSCR programs
- Entity docs, insurance, and a purchase contract or payoff statement
Business Capital
- Operating at least a few months under current ownership
- Roughly $17,000+ per month in business revenue
- Personal credit around 575+ on most programs
- Not over-extended on existing cash advances
- Bank statements usually enough to start — no tax returns to check options
Guidelines are typical ranges across our lender network, not a commitment to lend — every deal is reviewed individually.
Ready to fund your winery?
Two minutes, no obligation, no credit impact. Or call (337) 270-2036.
