Brewery, Winery and Distillery Feasibility Study in the Detroit-Warren-Dearborn, MI Metro Area
What SBA's own loan files show about beverage manufacturing (breweries, wineries, distilleries) lending in the Detroit-Warren-Dearborn, MI Metro Area, and what a feasibility study for a project there has to test.
Detroit makers: low share, steady size
Count areas and Detroit, Warren and Dearborn is 21 of 443 for beverage in Detroit manufacturing (breweries, wineries, distilleries); count classes and beverage manufacturing (breweries, wineries, distilleries) is 16 of 39 in Detroit, Warren and Dearborn. The 0.58x location quotient puts brewers, vintners and distillers at barely over half their national weight. The files hold 39 loans for $20.4 million, FY2017 to FY2026. Against the countrywide beverage maker median, Detroit, Warren and Dearborn posts $312,600, or 1.08x, and a $55,000 to $794,400 band holds the usual beverage maker loan.
Oakland County contributes 15, as well as Wayne County contributes 15. SBA 7(a) holders printed: The Huntington National Bank (14 loans, $4.5 million). Each Detroit, Warren and Dearborn lender figure as whichever lender holds the paper, and nothing about The Huntington National Bank’s standards. A record, not a policy. Across Detroit, Warren and Dearborn beverage maker lending, the cohorts FY2017 to FY2024 got cancelled, floor 19.4%, a lower bound only.
Around Detroit, Warren and Dearborn, beverage maker lending has nothing prints for any charge-off figure, the ceiling that counts undisbursed loans, franchise ownership, as well as the 7(a)-to-504 breakdown for want of enough loans; absence is not nil. In FY2017, 6 approvals worth $3.8 million; in FY2018, 6 approvals worth $2.5 million; and in FY2023, 6 approvals worth $957,100.
Detroit beverage: class scope and a study
A Detroit, Warren and Dearborn brewery, winery or distillery is identified by its code alone; whether it runs a tasting room cannot be known from these records. The Detroit, Warren and Dearborn beverage maker count is built via a project county lookup under the July 2023 county list. Outside the map, nothing counts. A study should test production volume against distribution, equipment, state licensing, excise treatment, any tasting-room sales, and a payment that holds through seasonal swings. A reader should also note that the cell is split evenly between Oakland County and Wayne County,. Capacity, equipment and licensing questions matter more than the county, and the study should state whether the maker is a brewery, a winery or a distillery, how much of its volume is sold wholesale, and what the plan assumes about the first full year of output. This record is context for a beverage maker venture within Detroit, Warren and Dearborn; credit is never pledged.
SBA beverage manufacturing (breweries, wineries, distilleries) loans in the Detroit-Warren-Dearborn, MI Metro Area
| Loans approved, FY2017 to FY2026 | 39 |
|---|---|
| Gross dollars approved | $20.4 million |
| Median loan | $312,600 |
| Middle half of loans, from | $55,000 |
| Middle half of loans, to | $794,400 |
| SBA 7(a) loans | withheld |
| SBA 504 loans | withheld |
| Franchise share of loans | withheld |
| Rank among metro and micro areas for beverage manufacturing (breweries, wineries, distilleries) loans | 21 of 443 |
| Rank of beverage manufacturing (breweries, wineries, distilleries) among the classes in this area | 16 of 39 |
| Location quotient (share of loans against the national share) | 0.58x |
| Median loan against the national median for the class | 1.08x |
Cancellation and charge-off
| Cancelled after approval, FY2017 to FY2024 approvals (a floor) | 19.4% |
|---|---|
| The same, counting loans still undisbursed as cancelled (a ceiling) | withheld |
| Charged off to date, FY2017 to FY2021 disbursed loans (a floor) | withheld |
Both rates are floors. SBA withholds the status of open loans, so a loan counts as charged off only once SBA reports it; a rate needs at least 30 loans in its cohort and is otherwise not reported.
SBA beverage manufacturing (breweries, wineries, distilleries) loans approved in the Detroit-Warren-Dearborn, MI Metro Area, by fiscal year
| Fiscal year | Loans | Dollars |
|---|---|---|
| FY2017 | 6 | $3.8 million |
| FY2018 | 6 | $2.5 million |
| FY2019 | withheld | withheld |
| FY2020 | withheld | withheld |
| FY2021 | withheld | withheld |
| FY2022 | withheld | withheld |
| FY2023 | 6 | $957,100 |
| FY2024 | withheld | withheld |
| FY2025 | withheld | withheld |
| FY2026 | withheld | withheld |
Most active SBA lenders
| Lender | Loans | Dollars |
|---|---|---|
| The Huntington National Bank | 14 | $4.5 million |
Lenders with 5 or more loans here; a lender with fewer is not listed, and loans SBA or a receiver holds are counted but never listed as a lender.
Where the loans are, by county
| County | Loans |
|---|---|
| Oakland County, MI | 15 |
| Wayne County, MI | 15 |
Counties with 5 or more loans; smaller ones are not listed.
Metro is the CBSA (metropolitan or micropolitan statistical area) of the loan's project county, July 2023 delineation (OMB Bulletin 23-01). The county is matched by name (manifests/ld2/county-cbsa-map.csv); a loan whose county cannot be placed in a 2023 CBSA is left out of every metro.
The code says the borrower makes beer, wine or spirits; a taproom, tasting room or event use is not visible. The class holds breweries, wineries and distilleries only; the rest of manufacturing is not in it.
Shared code: Wineries are in this class.
A value marked withheld rests on fewer than 5 loans, or is withheld so that such a figure cannot be derived from other published figures.
Source: U.S. Small Business Administration, 7(a) and 504 loan-level FOIA files (data.sba.gov), as of 2026-09-30; areas from the U.S. Census Bureau CBSA delineation, July 2023 (OMB Bulletin 23-01); Loan Analytics metro cell MA-19820-C08.
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