Brewery, Winery and Distillery Feasibility Study in the Riverside-San Bernardino-Ontario, CA Metro Area

The beverage producer record in Riverside

From FY2017 to FY2026, Riverside had 30 SBA-approved beverage producer loans worth $27.8 million. Riverside, on beverage producer loans, holds place 29 of 443 among areas. Inside Riverside, beverage producer places 19 of 39. Riverside has a quotient of 0.52x, beverage producer below the national share.

Riverside: loan size and franchise

Riverside shows half its loans at or under $277,800, with the middle half spanning $84,925 up to $728,750. Riverside loans sit at 0.96x of the national class median. In Riverside, borrowers draw smaller loans than nationally. Riverside counts 23 loans under SBA 7(a). Riverside counts 7 under SBA 504. Riverside finances fixed assets through 504. In Riverside, 7(a) is the broader program. Riverside's split shows its financing mix. Riverside loans show a 0.00% franchise share. Riverside shows a smaller median. Riverside projects were modest in scale. In Riverside, budget comparisons should note it.

Riverside: lenders and counties

Riverside lists no lender. Beverage producer holders in Riverside are many. Riverside borrowers open with the study itself. The Riverside rows by county read 22 in Riverside County, CA, then 8 in San Bernardino County, CA.

Riverside floors, limits and yearly record

Few Riverside years print. Riverside shows 6 loans, $3.0 million, in FY2019. Riverside shows 5 loans, $2.8 million, in FY2024. Riverside shows 0 loans, $0, in FY2026. Other Riverside years are withheld. Thin counts leave Riverside totals unknown. In Riverside, no blank is a zero, and Riverside treats FY2026 as complete. Floors in Riverside follow Loan Analytics' own rule. The Riverside cohort holds fewer than 30 loans. Riverside disbursements cover FY2017 to FY2021. No Riverside cancellation floor prints. No Riverside charge-off floor prints either. Riverside blanks are no zero. Riverside blanks are no clean book. Each Riverside rate is a floor. Riverside borders come from the July 2023 list. Riverside places each loan by project county. Riverside drops loans with unplaceable counties. Riverside note: This class pools makers of beer, wine and spirits, wineries included, and because the code follows what a borrower produces, taproom, tasting room or event income cannot be seen.

Riverside: beverage producer feasibility questions

Riverside modelling starts from the $277,800 median, against the project in Riverside. We would test the Riverside cost of grain, fruit, packaging and aging inventory, which ties up cash well before the first sale. The appraisal in Riverside separates the building, the production equipment and the brand, and a study tests each against its own evidence. A Riverside study should model a slow ramp, with debt service covered while inventory builds and distribution is still being won. Daniel Smith, MAI, signs every Riverside beverage producer study. For Riverside, demand and cost are tested. In Riverside, coverage and value are tested. Riverside borrowers are promised no approval here.