Brewery, Winery and Distillery Feasibility Study in the Atlanta-Sandy Springs-Roswell, GA Metro Area

Large producer loans, light local weight

The Atlanta-Sandy Springs-Roswell record for beverage manufacturing is one of large loans and light local weight. Across FY2017 to FY2026 there are 54 such loans, with $49.5 million approved. At $537,700 the median runs 1.85x the nationwide level, bracketed by $227,500 and $1.1 million at the quartile edges. The location quotient of 0.66x says breweries, wineries and distilleries take less than their national share of Atlanta lending, and the class is only 18 of 39 locally, though Atlanta is 11 of 443 across all areas for volume.

All 7(a)

Every one of the 54 loans is 7(a), with 0 under 504. Franchise share is 0.00%. Wine producers are counted in the same class as beer and spirits producers. The code names beer, wine or spirits as the product; whether any of the 54 loans funded a taproom, tasting room or events business is not recorded.

Counties and the single listed holder

Gwinnett County, GA has 12 loans, Cobb County, GA and Fulton County, GA have 10 each, Forsyth County, GA has 6 and DeKalb County, GA has 5, so the loans are spread over five counties. Only Community Bank of Pickens County reaches the listing line, with 7 loans and $6.4 million; the figure counts SBA-recorded holdings and judges nothing about the bank. Printed years: FY2018, 5 loans and $5.9 million; FY2019, 7 and $9.7 million; FY2021, 12 and $12.0 million; FY2026, 0 loans and $0. FY2017, FY2020 and FY2022 through FY2025 are withheld.

What is withheld

The 54 Atlanta loans print neither of the two loss rates; Loan Analytics withholds both, since neither cohort reaches 30 loans, and blank here never stands for zero. Gwinnett, Cobb, Fulton, Forsyth and DeKalb stand behind the 54 Atlanta loans, each placed by matching its name to the 2023 area list.

The Atlanta producer's study

Loan sizes here run large, so a study should make the capital plan explicit: tanks or stills, canning or bottling, build-out of a production hall and the permits that gate opening. Demand must be tested separately for taproom visits, local retail and distribution, because the code cannot show which a loan funded. Debt service should be run at $537,700 and again near $1.1 million, with the appraiser pricing specialized equipment on its own line.