Brewery, Winery and Distillery Feasibility Study in the Cincinnati, OH-KY-IN Metro Area

Brewery, winery and distillery lending in Cincinnati: where the area stands

Cincinnati, OH-KY-IN stands 11 of 443 among metro and micro areas, recording 54 SBA approvals across FY2017 to FY2026 worth $42.0 million. The brewery, winery and distillery share of Cincinnati's loans is 1.54x the national share: Cincinnati favors the class heavily. Among Cincinnati's classes it ranks 10 of 39, a core business. This Cincinnati area spans IN, KY and OH, so loans cross state lines.

The median Cincinnati loan comes to $317,000, with its middle half between $75,000 and $1.2 million. Our median is 1.09x the national class median, so Cincinnati tickets run bigger. For Cincinnati, SBA 504 accounts for 9 loans and SBA 7(a) for 45, shaping each request. With 504 in Cincinnati, the collateral is fixed assets. The franchised share of loans in Cincinnati is 0.00%, brand reliance in brief. Cincinnati borrowers can read that as context.

Cincinnati holders and counties for brewery, winery and distillery

Among 7(a) loans in Cincinnati, the leading holders recorded are The Huntington National Bank: 26 loans, $10.0 million. No 504 holder is listed for Cincinnati. Each Cincinnati row is an SBA record. The Cincinnati lenders named hold or held them. The Cincinnati table describes files, not practices. Nothing in Cincinnati shows what a lender will ask. Cincinnati place by place: Hamilton County, OH leads with 36 loans, followed by Warren County, OH at 10.

SBA prints these yearly approvals for Cincinnati: 11 loans and $8.0 million in FY2017, 7 loans and $3.5 million in FY2018, 11 loans and $3.6 million in FY2019, 6 loans and $3.0 million in FY2021, 6 loans and $13.4 million in FY2022, 5 loans and $4.2 million in FY2025 and 0 loans and $0 in FY2026. FY2020, FY2023 and FY2024 are held back for Cincinnati on thin counts, which makes Cincinnati's gaps silence, not nil. Among all FY2017 to FY2024 approvals in Cincinnati saw cancellation after approval of at least 10.2%. Undisbursed loans counted too, the ceiling is 10.2%. For charge-offs, the floor to date is 0.00% across a cohort of 33 loans, and 0.00% within five years of approval. Every Cincinnati figure follows the July 2023 delineation, and each Cincinnati project is placed by county, and Cincinnati omits unmatched counties. The Cincinnati code records only that the borrower is a maker of beer, wine or spirits, so a guest experience such as tastings is not visible in Cincinnati; the class covers only those three.

A brewery, winery and distillery study for Cincinnati: the tests

Cincinnati treats brewery, winery and distillery figures as background; a study decides. Each Cincinnati study must establish taproom, distribution and events, separately. For Cincinnati, we would first examine permits that gate the first sale. A Cincinnati study begins by testing tanks, stills and packaging line cost. Lenders in Cincinnati will look for aging time before product reaches market. In Cincinnati, underwriters will ask the study to address state rules on selling direct. Cincinnati tests demand, cost, coverage and value. No Cincinnati approval is promised here.