Brewery, Winery and Distillery Feasibility Study in the St. Louis, MO-IL Metro Area
What SBA's own loan files show about beverage manufacturing (breweries, wineries, distilleries) lending in the St. Louis, MO-IL Metro Area, and what a feasibility study for a project there has to test.
Beverage producer in St. Louis: the loan record
St. Louis gets 27 loans approved for beverage producer, $22.0 million gross, from FY2017 to FY2026. On beverage producer, St. Louis stands 35 of 443 among ranked areas. Within St. Louis, beverage producer is 14 of 39. St. Louis's quotient is 1.00x: beverage producer level with the national share. St. Louis spans IL and MO, so both feed the counts.
St. Louis: loan size and franchise
Loan size in St. Louis centres on $486,000, and its middle half runs between $267,750 and $735,800. St. Louis loans sit at 1.68x of the national class median. In St. Louis, borrowers draw bigger loans than nationally. St. Louis has 19 loans under 7(a). St. Louis has 8 under 504. St. Louis finances fixed assets through 504. In St. Louis, 7(a) is the broader program. St. Louis's split shows its financing mix. St. Louis loans show a 0.00% franchise share. St. Louis loans run bigger. In St. Louis, a study must prove the payment.
St. Louis holders and counties
No holder in St. Louis clears the listing bar. Beverage producer paper in St. Louis is spread thin. St. Louis borrowers open with the study itself. In St. Louis, by county, the loans are 10 in St. Louis city, MO and 7 in St. Louis County, MO.
St. Louis years and beverage producer coding limits
St. Louis prints only these fiscal years. In FY2019, St. Louis had 0 loans worth $0. In FY2021, St. Louis had 6 loans worth $2.7 million. In FY2022, St. Louis had 6 loans worth $2.2 million. In FY2026, St. Louis had 0 loans worth $0. Other St. Louis years are withheld. Thin counts leave St. Louis totals unknown. In St. Louis, no blank is a zero, and St. Louis treats FY2026 as complete. Floors in St. Louis follow Loan Analytics' own rule. The St. Louis cohort holds fewer than 30 loans. St. Louis disbursements cover FY2017 to FY2021. No St. Louis cancellation floor prints. No St. Louis charge-off floor prints either. St. Louis blanks are no zero. St. Louis blanks are no clean book. Each St. Louis rate is a floor. St. Louis follows July 2023 boundaries. St. Louis places loans by project county. St. Louis drops loans lacking a placeable county. St. Louis note: Since the code records only what is made, St. Louis taprooms, tasting rooms and event spaces cannot be told apart, and wineries are counted with brewers and distillers.
St. Louis: testing a beverage producer project
St. Louis treats $267,750 to $735,800 as the range to explain in St. Louis. A St. Louis appraisal has to treat special-purpose production space carefully, since few buyers could use it without changes. We would test whether the St. Louis plan depends on one product, one account or one season, and what happens if it falters. Seasonal sales in St. Louis should be tested month by month, so debt service is met even in the slowest stretch of the year. Daniel Smith, MAI, signs every St. Louis beverage producer study. For St. Louis, demand and cost are tested. In St. Louis, coverage and value are tested. St. Louis borrowers are promised no approval here.
SBA beverage manufacturing (breweries, wineries, distilleries) loans in the St. Louis, MO-IL Metro Area
| Loans approved, FY2017 to FY2026 | 27 |
|---|---|
| Gross dollars approved | $22.0 million |
| Median loan | $486,000 |
| Middle half of loans, from | $267,750 |
| Middle half of loans, to | $735,800 |
| SBA 7(a) loans | 19 |
| SBA 504 loans | 8 |
| Franchise share of loans | 0.00% |
| Rank among metro and micro areas for beverage manufacturing (breweries, wineries, distilleries) loans | 35 of 443 |
| Rank of beverage manufacturing (breweries, wineries, distilleries) among the classes in this area | 14 of 39 |
| Location quotient (share of loans against the national share) | 1.00x |
| Median loan against the national median for the class | 1.68x |
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 St. Louis, MO-IL Metro Area, by fiscal year
| Fiscal year | Loans | Dollars |
|---|---|---|
| FY2017 | withheld | withheld |
| FY2018 | withheld | withheld |
| FY2019 | 0 | $0 |
| FY2020 | withheld | withheld |
| FY2021 | 6 | $2.7 million |
| FY2022 | 6 | $2.2 million |
| FY2023 | withheld | withheld |
| FY2024 | withheld | withheld |
| FY2025 | withheld | withheld |
| FY2026 | 0 | $0 |
Where the loans are, by county
| County | Loans |
|---|---|
| St. Louis city, MO | 10 |
| St. Louis County, MO | 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-41180-C08.
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