Brewery, Winery and Distillery Feasibility Study in the Oklahoma City, OK Metro Area

What SBA's own loan files show about beverage manufacturing (breweries, wineries, distilleries) lending in the Oklahoma City, OK Metro Area, and what a feasibility study for a project there has to test.

Beverage producer loans in Oklahoma City at a glance

Oklahoma City reports FY2017 to FY2026 approvals: 27 beverage producer loans, $10.3 million gross. Oklahoma City, for beverage producer, ranks 35 of 443 in the area ranking. Within Oklahoma City, beverage producer ranks 9 of 39. Oklahoma City has a quotient of 1.94x, beverage producer above the national share.

Oklahoma City size and franchise status

Loan size in Oklahoma City centres on $264,400, and its middle half runs between $111,500 and $558,000. Oklahoma City stands at 0.91x against the national class median. Oklahoma City loans run below the national middle. Oklahoma City shows no 7(a) count. Oklahoma City shows no 504 count either. Oklahoma City: too few loans back either count. Oklahoma City loans show a 0.00% franchise share. Oklahoma City shows a smaller median. Oklahoma City projects were modest in scale. In Oklahoma City, budget comparisons should note it.

Oklahoma City loan holders and counties

Oklahoma City SBA 7(a) holder: 9 loans, $2.0 million, The Citizens Bank of Edmond. Holder in Oklahoma City: BancFirst, 8 loans, $2.7 million, SBA 7(a). Listed Oklahoma City names are current holders, per SBA. Oklahoma City rows speak to files, not requirements. Oklahoma City borrowers read the list as holders. Oklahoma City beverage producer lenders get first tests. Oklahoma City has one county, Oklahoma County, OK, with all 20 loans.

Oklahoma City years, floors and coding limits

Oklahoma City years print only in part. FY2019 brings Oklahoma City 5 loans, $1.6 million. FY2020 brings Oklahoma City 5 loans, $2.2 million. FY2021 brings Oklahoma City 0 loans, $0. FY2022 brings Oklahoma City 6 loans, $2.0 million. FY2023 brings Oklahoma City 0 loans, $0. FY2024 brings Oklahoma City 0 loans, $0. FY2026 brings Oklahoma City 0 loans, $0. Other Oklahoma City years are withheld. Thin counts leave Oklahoma City totals unknown. In Oklahoma City, no blank is a zero, and Oklahoma City treats FY2026 as complete. Floors in Oklahoma City follow Loan Analytics' own rule. The Oklahoma City cohort holds fewer than 30 loans. Oklahoma City disbursements cover FY2017 to FY2021. No Oklahoma City cancellation floor prints. No Oklahoma City charge-off floor prints either. Oklahoma City's blank floor is no zero. Oklahoma City borrowers learn little from it. Any Oklahoma City rate that prints is a floor. Oklahoma City follows July 2023 boundaries. Oklahoma City places loans by project county. Oklahoma City drops loans lacking a placeable county. Oklahoma City note: Beer, wine and spirits makers are counted together, which means Oklahoma City wineries sit beside breweries and distilleries, and any taproom or event use is invisible.

Oklahoma City: what a study must prove

Oklahoma City treats $111,500 to $558,000 as the range to explain in Oklahoma City. We would test the Oklahoma City distribution plan, because a producer without a route to buyers builds inventory it cannot sell. Water, waste and utilities in Oklahoma City are real costs for a producer, and the plan should show them line by line. In Oklahoma City, the study should show what the loan payment is against the revenue of the first full year of selling product. Daniel Smith, MAI, signs each Oklahoma City study. Oklahoma City demand and cost come first. In Oklahoma City, coverage follows, then the appraisal. Oklahoma City borrowers are promised no approval here.

SBA beverage manufacturing (breweries, wineries, distilleries) loans in the Oklahoma City, OK Metro Area

Loans approved, FY2017 to FY202627
Gross dollars approved$10.3 million
Median loan$264,400
Middle half of loans, from$111,500
Middle half of loans, to$558,000
SBA 7(a) loanswithheld
SBA 504 loanswithheld
Franchise share of loans0.00%
Rank among metro and micro areas for beverage manufacturing (breweries, wineries, distilleries) loans35 of 443
Rank of beverage manufacturing (breweries, wineries, distilleries) among the classes in this area9 of 39
Location quotient (share of loans against the national share)1.94x
Median loan against the national median for the class0.91x

Cancellation and charge-off

Cancelled after approval, FY2017 to FY2024 approvals (a floor)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 Oklahoma City, OK Metro Area, by fiscal year

0246FY2017FY2018FY2019FY2020FY2021FY2022FY2023FY2024FY2025FY2026Loans, FY2019: 5Loans, FY2020: 5Loans, FY2021: 0Loans, FY2022: 6Loans, FY2023: 0Loans, FY2024: 0Loans, FY2026: 0
Fiscal yearLoansDollars
FY2017withheldwithheld
FY2018withheldwithheld
FY20195$1.6 million
FY20205$2.2 million
FY20210$0
FY20226$2.0 million
FY20230$0
FY20240$0
FY2025withheldwithheld
FY20260$0

Most active SBA lenders

SBA 7(a): lenders by loans approved (the current holder of each loan, as SBA reports it)
LenderLoansDollars
The Citizens Bank of Edmond9$2.0 million
BancFirst8$2.7 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

CountyLoans
Oklahoma County, OK20

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-36420-C08.

Loan Analytics prepares the feasibility study a lender reads before it commits: for a beverage manufacturing (breweries, wineries, distilleries) project in the Oklahoma City, OK Metro Area, financed under SBA 7(a), SBA 504, USDA Business and Industry or a conventional bank loan. Tell us the project and the lender's deadline, and we reply with scope, timeline and fee.

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