SBA 504 Brewery, Winery and Distillery Feasibility Study in Florida

How large Florida brewery, winery or distillery loans run

Counting FY2017 to FY2026, Florida shows 32 SBA 504 approvals for breweries, wineries and distilleries, adding up to $37.2 million in gross dollars. From $428,500 to $1.4 million covers the middle half of the Florida loans, around a median of $636,000. Set beside the nationwide breweries, wineries and distilleries median under SBA 504, Florida reads 1.03x, larger than the nationwide breweries, wineries and distilleries book carries. No Florida breweries, wineries and distilleries loan is flagged as a franchise, so Florida's share reads 0.00%.

Florida breweries, wineries and distilleries take rank 4 against other states under SBA 504, and 18 of 39 when set against Florida's other classes. Volume crested in FY2021: 8 loans, $8.2 million; and no loans appear for FY2026. Florida stands at rank 4 among states for 504 craft beverage lending, and loans run near the national median, so this cell describes a large state with a typical loan size.

At the head of the Florida holder list is Florida First Capital Finance Corporation, Inc.: 26 loans and $24.7 million. After it, SBA shows Florida Business Development Corporation (5 loans, $7.8 million). Florida First Capital Finance Corporation, Inc. heads Florida's list in SBA's file on 32 loans: a record of breweries, wineries and distilleries loans held, rating no lender. Escambia holds the most Florida loans among counties, 5, followed by Brevard at 3 and Duval at 3. Smaller counts appear in Hillsborough 3, Leon 3 and Lee 2.

Cancellation and loss figures for Florida breweries, wineries and distilleries

Given just 32 loans in Florida, Florida cancellations after approval stay unprinted, and here no Florida charge-off rate is shown. Read both gaps as unknowns. For Florida, the code names a producer of beer, wine or spirits; a taproom or event space is invisible, which leaves hospitality income unmeasured. Only loans in SBA's Florida files appear.

Testing a Florida production facility

A 504 request buys or builds the plant, so the file should show the building, the land and the heavy equipment as separate lines, each with a quote. Then show demand: which taprooms, shops and distributors near Escambia will carry the output, and at what margin each channel pays. Fermenters, stills and bottling lines sit idle until product ships, so cash for the first aging cycle belongs in the plan. Federal and state permits set the opening date, and revenue should not start before them. An appraiser discounts specialized tanks heavily, which leaves the real estate to carry a loan near $636,000.