SBA 504 Brewery, Winery and Distillery Feasibility Study in Pennsylvania

Brewery, winery and distillery borrowers under SBA 504 in Pennsylvania

Borrowers received 30 SBA 504 approvals for brewery, winery and distillery during FY2017 to FY2026, a gross $25.1 million. State rank for brewery, winery and distillery loan volume is 5, and within Pennsylvania the class stands 4 of 39. The typical Pennsylvania brewery, winery and distillery ticket, $465,000, sits below the national median for brewery, winery and distillery under SBA 504 (0.75x), and half of approvals land between $353,250 and $690,500. Franchise-flagged brewery, winery and distillery loans make up 0.00% of the Pennsylvania cell.

Lenders and counties in Pennsylvania

Holders of these loans: Empire State Certified Development Corporation, 8 loans, $11.8 million | NEPA Alliance Business Finance Corporation, 6 loans, $2.3 million | Regional Development Funding Corporation, 5 loans, $2.4 million. Brewery, winery and distillery holder names are SBA's. In Pennsylvania, Allegheny has 7, Lancaster has 3, Butler has 2, Pike has 2 and Washington has 2 brewery, winery and distillery loans.

The FY2017 to FY2026 brewery, winery and distillery run

For Pennsylvania brewery, winery and distillery, year by year, FY2022 is busiest, with 9 loans and $7.1 million; FY2017 had 2, FY2024 had 3 and FY2026 had 2.

Pennsylvania cancellations and charge-offs

For Pennsylvania brewery, winery and distillery approvals the cancellation rate is withheld: Pennsylvania has too few brewery, winery and distillery approvals ; SBA 504 publishes no stable brewery, winery and distillery rate, and brewery, winery and distillery readers should assume none. The Pennsylvania brewery, winery and distillery loss record is likewise withheld: the Pennsylvania cohort is too small, with scant brewery, winery and distillery lending in Pennsylvania, and a missing number is no clean brewery, winery and distillery record for FY2017 to FY2021.

Pennsylvania brewers and distillers: the 504 view

A producer in Pennsylvania financed under SBA 504 is buying a building and heavy equipment, so the study has to link capacity to sales. It should show wholesale distribution, taproom and event revenue, and shipping rules, set the build and equipment budget against the $465,000 median, and test coverage through the ramp and a weak year. Excise and licensing steps take time, which delays revenue. The appraiser will price the real estate separately from brand value.

Pennsylvania production, not hospitality

The class identifies producers; space for tastings or events does not show. Wineries are counted in it, so Pennsylvania totals speak to making drinks, not serving them.