Brewery, Winery and Distillery Feasibility Study in the Philadelphia-Camden-Wilmington, PA-NJ-DE-MD Metro Area

90 beverage manufacturing (breweries, wineries, distilleries) loans in Philadelphia-Camden-Wilmington

Philadelphia-Camden-Wilmington records 90 approved beverage manufacturing (breweries, wineries, distilleries) loans over FY2017 to FY2026, worth $40.8 million gross. Loans center near $251,850, and the middle half fall between $75,000 and $496,250. Beside the class nationally, Philadelphia's median is 0.87x of the national median, below it.

Rank 5 of 443: mix and counties in Philadelphia

7(a) is the larger program here: 85 loans in 7(a), 5 in 504. Fixed-asset spending in Philadelphia-Camden-Wilmington is tied to the 5 loans under 504, while the other 85 are 7(a) loans. Franchise loans are 0.00% of the Philadelphia-Camden-Wilmington record. On rank, Philadelphia-Camden-Wilmington is 5 of 443 nationally for beverage manufacturing (breweries, wineries, distilleries), and beverage manufacturing (breweries, wineries, distilleries) is 11 of 39 among the classes in the area. A location quotient of 1.20x puts beverage manufacturing (breweries, wineries, distilleries) taking a bigger share of Philadelphia lending than it does nationally. Philadelphia County, PA tops the county list at 22 loans; Montgomery County, PA follows with 18, then Chester County, PA with 13. With DE, MD, NJ, PA all inside the Philadelphia area, rules and costs can vary across one project search.

Who holds the 90 Philadelphia loans

Annual loans peak in FY2017 at 16 ($4.0 million) and bottom out in FY2024 at 7 ($2.2 million). The Philadelphia trend omits any year too thin to print, and no omitted year means zero lending. Philadelphia 7(a) holders, ranked by loans: 23 loans and $3.0 million at Manufacturers and Traders Trust Company; 10 loans and $7.3 million at Univest Bank and Trust Co; 9 loans and $2.5 million at First Commonwealth Bank. Manufacturers and Traders Trust Company holds the most loans, while Univest Bank and Trust Co holds the most dollars. For Manufacturers and Traders Trust Company, the $3.0 million sums the 23 loans SBA lists against it. Cancellation reached at least 6.8% of approvals in the area, and the true share could be higher. A loss rate for beverage manufacturing (breweries, wineries, distilleries) in Philadelphia-Camden-Wilmington needs a larger disbursed cohort than 90 loans supply, so the rate stays withheld.

The Philadelphia-Camden-Wilmington study: demand, cost, coverage, appraisal at $496,250

A Philadelphia study starts with state permits, distribution reach and shelf space against bigger producers; the 90-loan record cannot sit in for them. Then Philadelphia costs: brewing or production equipment, packaging and cold storage and tanks, each checked for Philadelphia-Camden-Wilmington and compared with the $251,850 median loan. Stress Philadelphia earnings with a $75,000 loan and a $496,250 loan, then check where coverage weakens. Philadelphia-Camden-Wilmington appraisers will value the facility, operating permits and inventory in process one at a time, so the Philadelphia, PA study ought to do the same. A $40.8 million record cannot approve a Philadelphia-Camden-Wilmington project, and the figures promise no outcome.

Method for Philadelphia-Camden-Wilmington's 90 loans

The project county puts each of Philadelphia, PA's 90 loans in the area. County names, Philadelphia County, PA among them, are paired to Philadelphia, PA using the July 2023 delineation. The code behind the 90 Philadelphia loans covers businesses that produce beer, wine or spirits, and the code does not show whether a site also welcomes visitors on the premises, and wineries are counted with breweries and distilleries. Rates in Philadelphia name their own cohort years in Philadelphia, PA, and the two outcome rates are measured over different spans of years.