Brewery, Winery and Distillery Feasibility Study in the New York-Newark-Jersey City, NY-NJ Metro Area

The New York record for craft beverage producers

SBA's records show 105 loans for craft beverage producers in New York over FY2017 to FY2026, worth $63.7 million in gross dollars committed. Loan size here centers on $340,000; which is 1.17x the nationwide class median, a larger typical loan. A location quotient of 0.42x, means craft beverage producers take a smaller share of loans in New York against the national pattern. The middle half of loans sit between $143,000 and $770,000. By rank, New York is 2 of 443 within metro and micro areas, and craft beverage producers hold 16 of 39 within this area's asset classes.

The New York lender and program record

In the 504 table in New York, Empire State Certified Development Corporation leads at 5. The franchise share of New York approvals is 0.00%. For 7(a) approvals in New York, the largest holder is Manufacturers and Traders Trust Company, with 11 loans and $3.4 million; New York Business Development Corporation ranks second at 9, and TD Bank, National Association follows at 8. The 7(a) program accounts for 95 loans and the 504 program for 10, which makes 7(a) the route most breweries, wineries and distilleries here have used. These institutions are the present holders of the paper as SBA shows them, so the table shows who holds the loans now, not who made the initial credit call and never what any of them demands.

Counties and years in New York

19 loans sit in Kings County, NY, 17 in Monmouth County, NJ and 13 in Suffolk County, NY. By year, on this record, FY2017 is the high mark for beer, wine and spirits makers in New York (17 approvals, $3.8 million) and FY2024 the low (7 loans, $4.0 million). FY2021 and FY2022 are blank for craft beverage producers in New York; neither year has enough loans for Loan Analytics to publish, so read the gap as missing, not as zero.

Reading the New York floors with care

New York is a county-built figure: the project county SBA records, matched by name to 2023 boundaries, decides which loans enter for breweries, wineries and distilleries. The class code shows only that a borrower produces spirits, wine or beer; whether a taproom, tasting room or event side carries the revenue in New York is not visible. The disbursed FY2017 to FY2021 cohort in New York gives too thin a base for any charge-off rate, and no loss figure should be inferred. A lower bound of 15.9% of brewery, winery and distillery approvals in New York were cancelled after approval across FY2017 to FY2024, a floor; counting loans still undisbursed as cancelled brings it to 15.9%, an upper bound.

The questions a New York study of beer, wine and spirits makers must answer

Any feasibility work on craft beverage producers in New York starts with demand: shelf space against rivals, and volume through distributors. The 105 approvals are evidence that lenders have funded the class in New York; as reported, they do not show a supplied site clears the same bar. Cost comes next, counting tanks, stills or presses and floor space and utilities, set against the New York median loan of $340,000. Value questions for breweries, wineries and distilleries in New York include equipment against building value and inventory that ages in value. The coverage test should assume a slow initial period, since New York shows brewery, winery and distillery loans that did not run as approved.