Brewery, Winery and Distillery Feasibility Study in the Madison, WI Metro Area

Madison: brewery, winery and distillery lending

In Madison, between FY2017 and FY2026, SBA approved 34 brewery, winery and distillery loans, worth $29.2 million in gross approvals. Inside Madison, brewery, winery and distillery lending is placed 5 of 39 in the local class table; Madison stands at 25 of 443 against metro and micro areas ranked by brewery, winery and distillery loans. Madison's location quotient is 3.34x: more weight than nationally. The median loan for Madison comes to $330,000. The central half of Madison loans extends from $109,050 to $943,200, and the median stands at 1.14x of the nationwide class median. A location quotient of 3.34x makes beverage manufacturing a heavy category in the Madison book, ranked 5 of 39. The printed years climb in dollars from $1.3 million in FY2017 to $9.8 million in FY2021, with a dip to $3.3 million in FY2020, and then nothing is printed for either FY2025 or FY2026, which are zero years. SBA 504 carries a notable block of the record, as the first holder named shows.

Of Madison's 34 loans, 23 are SBA 7(a), 11 SBA 504. The franchise share of Madison loans stands at 0.00%, so no franchise brands figure in this Madison cell. The Madison lender tables show that WBD, Inc. holds $22.0 million across 11 SBA 504 loans, and Bank of Sun Prairie appears with $1.3 million in 5 SBA 7(a) loans. Madison's holder entries list present holders only. Madison applicants learn nothing of institution requirements here. County by county: Dane County, WI has 29 loans.

Madison: years, floors and limits

For Madison, only some years can be given: FY2017 shows 5 loans valued at $1.3 million; FY2018 shows 7 loans valued at $2.9 million; FY2019 records 6 loans valued at $5.5 million; FY2020 has 5 loans valued at $3.3 million; FY2021 has 5 loans totalling $9.8 million. In FY2025 and FY2026, Madison records 0 loans and $0. Madison's FY2026 is a full fiscal year. The Madison years not shown: FY2022 to FY2024. The years held back for Madison do not mean none. At least 17.6% of Madison's approvals through FY2024 ended in cancellation. Madison's 17.6% is only a floor. The matching Madison ceiling is withheld. The charge-off rate in Madison: not given, short of 30 loans. Madison's cut-off is Loan Analytics' own. Madison has a small FY2017 to FY2021 cohort. Madison is drawn on the July 2023 list. Madison places each loan by county. Madison omits unmatched loans. Madison's class is makers of beer, wine or spirits. Madison: taproom or event use is not visible. Madison counts these three makers only, wineries included.

Madison: what to test

Makers planning a Madison plant should lay out production capacity, equipment cost, the sales channels for the product and the revenue of any taproom as its own line, since the loan data cannot see a taproom. Sales must clear the instalments on a loan near the $330,000 median with room to spare, and the cancellation floor of 17.6% is a reminder that permits, equipment delivery and build-out can all slip before funding. Because a brewing or distilling building has few other uses, the appraiser will rely heavily on the income case.