SBA 7(a) Brewery, Winery and Distillery Feasibility Study in Kentucky

What Kentucky data for SBA 7(a) brewery, winery and distillery lending

$25.7 million in gross dollars, spread over 33 loans in the 7(a) program for brewery, winery and distillery projects in Kentucky, is what SBA approved in Kentucky from FY2017 to FY2026. Measured by approvals, Kentucky takes position 27 for brewery, winery and distillery in this program, and inside Kentucky the class is 14 of 39. The median brewery, winery and distillery loan in Kentucky is $325,000; against the national midpoint for brewery, winery and distillery loans under SBA 7(a), 1.30x is the ratio, so Kentucky projects take heavier loans as the nation does. The middle half of Kentucky approvals run from $100,000 to $800,000. Franchised borrowers account for 3.0% of the 33 loans. Neither the $325,000 median nor any other metric across 33 Kentucky brewery, winery and distillery loans stands out from both parents, so Kentucky's institutions, counties and years carry the brewery, winery and distillery page.

Where the Kentucky loans sit

Kentucky's brewery, winery and distillery loans sort by county as follows: Jefferson with 13, Fayette with 4, Kenton with 3 and Scott with 3. On the calendar for Kentucky, approvals peaked at 6 loans, worth $5.0 million, in FY2025, and FY2026 brings 3 loans worth $943,800 as the last year in the data, while FY2017 began the run with 3.

Kentucky brewery, winery and distillery: what to make of the outcome floors

No figure appears for the Kentucky brewery, winery and distillery cancellation rate, as the 33 loans leave the FY2017 to FY2024 cohort too thin; read the Kentucky gap as a withheld figure and never as zero brewery, winery and distillery cancellations. Too few of the 33 brewery, winery and distillery loans funded in Kentucky between FY2017 and FY2021 to justify a brewery, winery and distillery charge-off rate, which is why we withhold that figure and the brewery, winery and distillery gap is not a zero. Readers must take these Kentucky rates, drawn from 33 loans, as floors, never as settled outcomes. Keep this caveat while reading Kentucky's 33 loans: what Kentucky operator does with a tasting room and events can't be read from SBA's files; it names only a making of alcohol, while wineries join this group through our own grouping.

Testing a Kentucky brewery, winery and distillery loan application

Under 7(a), a Kentucky brewery, winery and distillery request, one of 33, is judged by the Kentucky originating lender, whose guaranteed brewery, winery and distillery loan rests on Kentucky repayment capacity and the real estate the Kentucky study has to support. Sales for a Kentucky brewery, winery and distillery splits between distribution, on-site visits and events, and our work tests every stream. Equipment lead times, water and drainage needs and licensing steps sit in the Kentucky brewery, winery and distillery cost plan. The coverage test must run on $325,000 and again at $800,000, with a slower case, so a Kentucky lender can see where brewery, winery and distillery coverage thins. An appraiser will separate special-purpose building and trade fixtures, and the study does that split.

Loan Analytics reads the 33 Kentucky approvals as SBA's Kentucky records, not a projection for any brewery, winery and distillery project; a brewery, winery and distillery study signed by Daniel Smith, MAI, tests Kentucky conditions first, and Kentucky approvals promise nothing.