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

Missouri brewery, winery and distillery lending in SBA's records

In Missouri, SBA 7(a) approved 52 loans in the brewery, winery and distillery class. Across FY2017 to FY2026 in Missouri that came to $21.2 million gross. Counting brewery, winery and distillery loans, Missouri ranks 22 across states for brewery, winery and distillery under this program, and brewery, winery and distillery sits 14 of 39 among Missouri classes. A median of $260,000 is 1.04x of the national brewery, winery and distillery median under SBA 7(a), so Missouri runs close to the norm. For brewery, winery and distillery in Missouri, the middle half spans $148,500 to $489,500, and franchise flags mark 0.00% of Missouri brewery, winery and distillery loans.

Who holds the brewery, winery and distillery loans, and where

The largest named brewery, winery and distillery holder in Missouri is OakStar Bank: 11 loans worth $4.4 million; behind it Southern Bank, 5 loans ($2.2 million). Holders in Missouri are those SBA currently lists. The Missouri brewery, winery and distillery county count starts with Greene at 11, Jackson at 10, Saint Louis City at 8, Saint Louis at 4, Cass at 3.

Timing of Missouri approvals

The Missouri brewery, winery and distillery calendar shows 4 loans ($755,000) in FY2019, then in Missouri 4 in FY2020 ($1.2 million), and in Missouri 7 in FY2021 ($3.7 million), 4 in FY2023 ($730,000) and 8 in FY2024 ($6.8 million) against Missouri's peak of 8 in FY2017. FY2026 show no Missouri brewery, winery and distillery approvals.

Brewery, winery and distillery cancel and charge-off floors

In Missouri, approval did not always mean a brewery, winery and distillery loan: of FY2017 to FY2024 Missouri approvals, at least 8.3% ended in Missouri cancellation, with 8.3% the ceiling if undisbursed brewery, winery and distillery loans are added. The brewery, winery and distillery cohort funded in Missouri is too small, so Missouri holds no stable charge-off rate for brewery, winery and distillery loans in Missouri funded FY2017 to FY2021; Missouri withholds the rate, and Missouri lenders should not read it as zero.

Missouri beverage producers: what a study has to prove

A brewery, winery or distillery is part manufacturer, part retailer, so a Missouri study must test both. It should show production capacity against realistic sales through distributors, taproom or tasting-room traffic, and direct shipping where the law allows, then compare equipment, building and licensing cost with loans of roughly $260,000. Coverage should be shown through the ramp-up before volume builds and through a poor harvest or weak summer. The appraiser values the real estate and equipment separately from brand goodwill, so the study should say which assets secure the loan.

Missouri producers: what the code leaves out

Nothing in the class describes taprooms or events; it flags production alone. Wineries are counted alongside breweries and distilleries here, so Missouri totals speak to production.