Brewery, Winery and Distillery Feasibility Study in the Sacramento-Roseville-Folsom, CA Metro Area

Above-parity weight and a hard cancellation floor

In the Sacramento-Roseville-Folsom area, breweries, wineries and distilleries carry more weight than the national mix: the quotient is 1.18x, though the class is 15 of 39 locally and the area is 21 of 443 nationally. SBA approved 39 loans from FY2017 to FY2026 for $22.4 million. The sharpest fact is cancellation: among approvals made FY2017 through FY2024 it reached 21.9% at the least, which is a floor. No ceiling variant is given, and the charge-off rate is absent.

El Dorado leads

El Dorado County has 18 loans and Sacramento County 15, a split that makes foothill wine country the center of the record, not the capital itself. Since 2026-11-10 the class has meant breweries, wineries and distilleries only, and the code does not reveal a taproom, tasting room or event business, which matters in El Dorado where visitor sales are central.

Loan size and program mix

A midpoint of $267,000 is 0.92x the national figure, and typical loans run from $145,650 to $636,000. By program, 7(a) has 32 loans and 504 has 7. Franchise share is 0.00%. No lender reaches the loan count at which SBA lets a name appear, so a producer cannot learn from this page which institutions have held these loans. Years printed are limited to two, because the others rest on too few loans.

Years

Only two years can be printed: FY2019, with 6 loans and $6.1 million, and FY2023, with 8 and $6.1 million. The two years carry the same dollar total, a coincidence of the data and not a pattern. The other years are hidden by small counts.

Studying a Sacramento-area producer

A study should separate production from visitor revenue. For production, put numbers on equipment, volumes, grape or grain supply and licensing. On the visitor side it should test traffic, event permits, county land-use rules in foothill locations and the seasonal pattern of tourism. Water, wastewater and fire access can decide a rural site. Distribution agreements and direct-to-consumer sales carry different margins. With cancellations at that level, confirm permits and zoning before leaning on an approval. Payments must be covered while volumes build, and the appraisal should apportion value among land, buildings and equipment.