SBA 504 Brewery, Winery and Distillery Feasibility Study in New York
What SBA's own loan files show about SBA 504 lending to beverage manufacturing (breweries, wineries, distilleries) projects in New York, and what a feasibility study for an SBA 504 loan there has to test.
Reading the New York brewery, winery and distillery cell
For brewery, winery and distillery in New York, this page slices SBA's brewery, winery and distillery record: SBA 504 loans to brewery, winery and distillery projects. They number 29, with $24.5 million approved from FY2017 to FY2026. New York is 7 among states on brewery, winery and distillery loan count; the class is 7 of 39 among New York financed classes. The New York median of $701,000 stands at 1.13x of what brewery, winery and distillery borrowers take nationally under SBA 504, and $340,000 to $1.1 million spans the middle half; 0.00% of New York brewery, winery and distillery loans carry franchise flags.
Where the brewery, winery and distillery loans sit
Empire State Certified Development Corporation (24 loans, $20.9 million) head the New York brewery, winery and distillery holder table. New York brewery, winery and distillery holders are as SBA reports today. New York brewery, winery and distillery counties: Monroe 4, Erie 3, Kings 3, Ontario 3, Essex 2.
The yearly New York pattern
New York brewery, winery and distillery volume moved around: 6 loans in FY2018, 2 in FY2020, 3 in FY2022 and 1 in FY2025 worth $818,000. The New York high mark, 6, came in FY2018. FY2026 show no New York brewery, winery and distillery approvals.
What the brewery, winery and distillery floors say
New York brewery, winery and distillery cancellation has no rate here; the New York cohort is too small, and brewery, winery and distillery lenders should not read that as zero. New York brewery, winery and distillery charge-off rates rest on few brewery, winery and distillery loans funded in New York for FY2017 to FY2021; New York lenders find it held back, never zero.
New York producers financed through SBA 504
The large, dense market in New York makes distribution and tasting-room traffic both plausible, so the study should say which channel carries the plan. It should document licensing, production capacity and equipment, set the budget against the $701,000 median, and test coverage during the build-up of volume. Real estate cost can dominate near large cities, and the appraiser will price the building separately from the brand.
New York drinks makers: what the class hides
Taproom and event income cannot be seen here: the class tags a borrower only by trade: brewing, winemaking or distilling.
SBA 504 beverage manufacturing (breweries, wineries, distilleries) loans in New York
| Loans approved, FY2017 to FY2026 | 29 |
|---|---|
| Gross dollars approved | $24.5 million |
| Median loan | $701,000 |
| Middle half of loans, from | $340,000 |
| Middle half of loans, to | $1.1 million |
| Franchise share of loans | 0.00% |
| Rank among states for SBA 504 beverage manufacturing (breweries, wineries, distilleries) loans, by number of loans | 7 |
| Rank of beverage manufacturing (breweries, wineries, distilleries) among classes in New York | 7 of 39 |
| Median loan against the national SBA 504 median for the class | 1.13x |
Cancellation and charge-off
| Cancelled after approval, FY2017 to FY2024 approvals (a floor) | not reported: fewer than 30 loans in the cohort |
|---|---|
| Charged off to date, FY2017 to FY2021 disbursed loans (a floor) | not reported: fewer than 30 loans in the cohort |
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 504 beverage manufacturing (breweries, wineries, distilleries) loans approved in New York, by fiscal year
| Fiscal year | Loans | Dollars |
|---|---|---|
| FY2017 | 3 | $2.8 million |
| FY2018 | 6 | $6.4 million |
| FY2019 | 5 | $3.1 million |
| FY2020 | 2 | $3.3 million |
| FY2021 | 5 | $2.6 million |
| FY2022 | 3 | $1.7 million |
| FY2023 | 3 | $3.5 million |
| FY2024 | 1 | $146,000 |
| FY2025 | 1 | $818,000 |
| FY2026 | 0 | $0 |
Most active SBA lenders
| Lender | Loans | Dollars |
|---|---|---|
| Empire State Certified Development Corporation | 24 | $20.9 million |
Where the loans are, by county
| County | Loans |
|---|---|
| MONROE | 4 |
| ERIE | 3 |
| KINGS | 3 |
| ONTARIO | 3 |
| ESSEX | 2 |
| SARATOGA | 2 |
| ULSTER | 2 |
| ALBANY | 1 |
| CAYUGA | 1 |
| DUTCHESS | 1 |
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.
Source: U.S. Small Business Administration, 7(a) and 504 loan-level FOIA files (data.sba.gov), as of 2026-09-30; Loan Analytics loan-outcome cell SAP-NY-C08-504.
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