Brewery, Winery and Distillery Feasibility Study in the Portland-South Portland, ME Metro Area
What SBA's own loan files show about beverage manufacturing (breweries, wineries, distilleries) lending in the Portland-South Portland, ME Metro Area, and what a feasibility study for a project there has to test.
Portland beverage: maine makers at three times the national weight
Inside Portland and South Portland the beverage manufacturing (breweries, wineries, distilleries) class ranks 7 of 39; against all areas, Portland and South Portland ranks 23 of 443 for beverage manufacturing (breweries, wineries, distilleries). A location quotient of 3.04x is the cell's mark: beer, wine and spirits makers carry about three times their national share in southern Maine. The files hold 38 loans for $11.7 million, FY2017 to FY2026. Beverage maker borrowers in Portland and South Portland see a $137,500 median, 0.47x of the national beverage maker figure; ordinary loans run $51,500 to $306,750. Small loans, then, many of them: this reads like craft-scale producers.
0.00% of Portland and South Portland beverage maker loans carry a franchise brand. Cumberland County: 31 loans and York County: 7 loans. On the 504 side, the holders listed are Granite State Economic Development Corporation: 7 loans, $6.1 million. Among 7(a) holders, SBA names 5 loans ($400,000) held by Maine Community Bank. The Portland and South Portland lender table as the institution now carrying notes, and no verdict on Maine Community Bank is implied. Only holdings count. In the Portland and South Portland beverage maker cell, the program mix cannot be shown as no rate fits so few loans; a blank is not zero.
In the Portland and South Portland beverage maker cell, a cancellation figure plus a charge-off rate cannot be shown as no rate fits so few loans; a blank is not zero. FY2017 (11 loans, $5.6 million); FY2021 (7 loans, $1.9 million); and FY2023 (5 loans, $543,600).
A 504 lender and a 7(a) bank are both named, which fits makers that buy equipment and buildings as well as needing working capital; a study should map the proposed use of funds to the right program.
Portland beverage: class scope and a Maine plan
Three kinds of maker make up the Portland and South Portland class, wineries among them, and the code hides taprooms, tasting rooms and events. In Portland and South Portland, a beverage maker loan counts from the project county named measured on the July 2023 map. Unplaceable counties drop out. A study should test production capacity, the tasting-room trade the code cannot show, seasonality, equipment cost, and a payment that holds through the off-season. Loan Analytics gives this ahead of a beverage maker feasibility look at Portland and South Portland, authored by Daniel Smith, MAI, in person; approval is never promised.
SBA beverage manufacturing (breweries, wineries, distilleries) loans in the Portland-South Portland, ME Metro Area
| Loans approved, FY2017 to FY2026 | 38 |
|---|---|
| Gross dollars approved | $11.7 million |
| Median loan | $137,500 |
| Middle half of loans, from | $51,500 |
| Middle half of loans, to | $306,750 |
| SBA 7(a) loans | withheld |
| SBA 504 loans | withheld |
| Franchise share of loans | 0.00% |
| Rank among metro and micro areas for beverage manufacturing (breweries, wineries, distilleries) loans | 23 of 443 |
| Rank of beverage manufacturing (breweries, wineries, distilleries) among the classes in this area | 7 of 39 |
| Location quotient (share of loans against the national share) | 3.04x |
| Median loan against the national median for the class | 0.47x |
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 Portland-South Portland, ME Metro Area, by fiscal year
| Fiscal year | Loans | Dollars |
|---|---|---|
| FY2017 | 11 | $5.6 million |
| FY2018 | withheld | withheld |
| FY2019 | withheld | withheld |
| FY2020 | 0 | $0 |
| FY2021 | 7 | $1.9 million |
| FY2022 | withheld | withheld |
| FY2023 | 5 | $543,600 |
| FY2024 | withheld | withheld |
| FY2025 | 0 | $0 |
| FY2026 | 0 | $0 |
Most active SBA lenders
| Lender | Loans | Dollars |
|---|---|---|
| Granite State Economic Development Corporation | 7 | $6.1 million |
| Lender | Loans | Dollars |
|---|---|---|
| Maine Community Bank | 5 | $400,000 |
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 |
|---|---|
| Cumberland County, ME | 31 |
| York County, ME | 7 |
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-38860-C08.
Related feasibility study pages
- Beverage manufacturing feasibility study consultant
- Feasibility Study Data for the Portland-South Portland, ME Metro Area
- Brewery, Winery and Distillery Feasibility Study in Maine
- Maine feasibility studies for SBA and USDA loans
- Feasibility Study Data by Metro Area
- Feasibility studies for SBA 7(a) and 504 loans
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Loan Analytics prepares the feasibility study a lender reads before it commits: for a beverage manufacturing (breweries, wineries, distilleries) project in the Portland-South Portland, ME 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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