Brewery, Winery and Distillery Feasibility Study in the San Diego-Chula Vista-Carlsbad, CA Metro Area

San Diego beverage producers: loans above the national median

San Diego accounts for 52 approved beverage manufacturing loans from FY2017 through FY2026, totaling $42.7 million. Nationally, San Diego sits 13 of 443 for beverage manufacturing loans; within San Diego, the class is 12 of 39. Relative to the national mix, beverage manufacturing is modestly overweight in San Diego, with a location quotient of 1.11x. The county on file is San Diego County, CA, with 52 loans.

San Diego loans center on $342,500, with an inner half from $146,800 up to $1.1 million. Beside the country's median, San Diego comes to 1.18x, a sign of heavier projects. In San Diego, 7(a) covers 46 loans and 504 covers 6. Producers here are independent businesses, not brand units. Franchised units account for 0.00% of San Diego loans.

Two lenders on the record

Live Oak Banking Company shows the larger average loan, well above the median. Live Oak Banking Company (8 loans, $14.7 million) and California Bank of Commerce, NA (5 loans, $6.6 million) hold the 7(a) loans shown. Holder counts for San Diego come from SBA bookkeeping, without claiming what lenders require.

The FY2017 to FY2024 cohort in San Diego shows cancellations of 17.1% at the least. Loan Analytics withholds the San Diego ceiling that adds undisbursed loans. Charge-offs in San Diego are unmeasured here: the rate is withheld. The yearly record includes FY2017 (7 loans, $1.6 million), FY2019 (7 loans, $9.4 million), FY2021 (6 loans, $8.3 million), and FY2024 (8 loans, $4.1 million). San Diego years not shown stay suppressed. The industry code says the business brews, ferments or distils, and shows nothing of any hospitality side, so that side cannot be seen in these figures. Wineries belong to this class. San Diego totals follow the July 2023 delineation, leaving unplaceable projects out.

Where a San Diego study must dig

Production and hospitality are separate businesses, so the study should price the brewhouse, stills or cellar apart from the taproom or tasting room and show how many visitors and wholesale cases each must carry. Tanks, barrels and bottling lines make equipment the heaviest line of cost, and federal and state licensing must be scheduled before the first sale. Cash stays tied up while inventory ages, so debt service has to be sized for months with no finished product to sell. A valuation must split the building, the specialized equipment and the inventory, since a plant with floor drains and heavy utilities suits few buyers beyond other producers.