Brewery, Winery and Distillery Feasibility Study in the Tampa-St. Petersburg-Clearwater, FL Metro Area

Tampa-St. Petersburg-Clearwater: where brewery, winery or distillery lending stands

Beverage producers are a mid-table class around Tampa Bay, 14 of 39 locally, but the loans they carry are large for the class, at 1.72x the national median. Loans for breweries, wineries and distilleries in Tampa-St. Petersburg-Clearwater, FL number 33, and $27.5 million was approved within FY2017 to FY2026. Locally the class stands 14 of 39, and Tampa-St. Petersburg-Clearwater, FL is 27 of 443 among all metro and micro areas. Tampa-St. Petersburg-Clearwater lending leans away from breweries, wineries and distilleries, with the location quotient at 0.77x. Tampa-St. Petersburg-Clearwater loan size runs high: $500,000 at the median, 1.72x the national median for breweries, wineries and distilleries.

Between $239,000 and $775,000 lies the middle half of the Tampa-St. Petersburg-Clearwater loans. A request well above $775,000 would be among the biggest in Tampa-St. Petersburg-Clearwater. Under SBA 7(a) sit 28 loans, and under SBA 504 sit 5. SBA's franchise flag gives breweries, wineries and distilleries a share of 0.00% in Tampa-St. Petersburg-Clearwater. A reviewer reads requests against $500,000. Ordinary requests fall in $239,000 to $775,000. The brand decision belongs in the study. Program choice is part of the case. Wineries sit in this class together with breweries and distilleries, and the data cannot show whether a visitor space was part of a project.

Holders, places and years in Tampa-St. Petersburg-Clearwater

The county table lists Hillsborough County, FL (18 loans), Pasco County, FL (10 loans) and Pinellas County, FL (5 loans). The years that print are FY2020 (6 loans, $2.7 million), FY2021 (7 loans, $7.0 million), FY2022 (5 loans, $2.7 million), FY2023 (5 loans, $6.5 million) and FY2026 (0 loans, $0). Every other year is held back. Thin loan counts explain the gaps. They are undefined, never zero. Borrowers can use the Tampa-St. Petersburg-Clearwater record as context. Local evidence completes the picture.

Underwriting a brewery, winery or distillery in Tampa-St. Petersburg-Clearwater

Both loss rates (cancellation, charge-off) are hidden in Tampa-St. Petersburg-Clearwater. The cohort is under Loan Analytics' floor. A lender has no loss floor here. Areas are federal groupings, 2023 edition. Loans reach an area via county. The match is made on name alone. Unmatched loans appear in no area. The Tampa-St. Petersburg-Clearwater total is 33 loans and $27.5 million. A study supplies what totals cannot. The study behind a brewery, winery or distillery loan request in Tampa-St. Petersburg-Clearwater should test inventory that ties up cash; visitor uses as a separate revenue stream; margin per unit after excise and packaging; distribution and shelf access; cost of the building and fit-out set beside the $500,000 median loan; the market within reach of the site; cash flow while inventory ages; and the appraisal of a production building. This page offers no assurance to brewery, winery or distillery sponsors. Context is all that the record gives.