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

The New Hampshire brewery, winery and distillery (SBA 7(a)) record in detail

SBA's files show 31 approvals under 7(a) for brewery, winery and distillery projects in New Hampshire from FY2017 to FY2026, worth $5.8 million. Of all the states, New Hampshire sits at 28 for brewery, winery and distillery lending under SBA 7(a) on count, and within New Hampshire brewery, winery and distillery takes spot 10 of 39. Midpoint size: $100,000. Relative to SBA 7(a) brewery, winery and distillery loans nationwide, New Hampshire runs at 0.40x on the median, a smaller loan size. The middle half of New Hampshire loans fall from $41,500 to $225,000. The franchise share of New Hampshire loans is 0.00%. New Hampshire brewery, winery and distillery lending blends into its parents across 31 loans: nothing in New Hampshire clears the distinctness margin, so New Hampshire readers should use New Hampshire's lender, county and timing detail.

For New Hampshire brewery, winery and distillery: lenders and local spread

Among New Hampshire institutions, the leaders here are Primary Bank (5 loans, $1.5 million) and Rockland Trust Company (5 loans, $1.3 million). The New Hampshire brewery, winery and distillery table follows whoever holds each New Hampshire loan; the originator of those 5 loans can differ. By county, Rockingham with 12, Merrimack with 6, Hillsborough with 5 and Strafford with 5 top the brewery, winery and distillery approvals in New Hampshire. Timing tells a clear story for brewery, winery and distillery in New Hampshire: approvals peaked at 7 loans, worth $842,000, in FY2017, and the latest year, FY2026, ends with 1 loans and $85,000.

New Hampshire: floors for cancellation and loss, with one brewery, winery and distillery coding caveat

A minimum of 10.0% for cancellations, with the ceiling at 10.0%, covers FY2017 to FY2024 New Hampshire brewery, winery and distillery approvals, and undisbursed loans add no figure. Losses get no printed rate for New Hampshire brewery, winery and distillery: the FY2017 to FY2021 disbursed cohort, drawn from 31 loans, is too small for a figure, so the New Hampshire figure is held back, and a held-back figure is not a zero for brewery, winery and distillery. Readers must take these New Hampshire rates, drawn from 31 loans, as floors, not as final outcomes. One coding limit shapes New Hampshire brewery, winery and distillery figures: SBA's code records only that the borrower makes alcohol, so a New Hampshire taproom, tasting room or event use stays invisible in these loans; vineyards are placed into this class under our own grouping.

Issues an SBA 7(a) brewery, winery and distillery study in New Hampshire has to pass

A 7(a) loan for a New Hampshire brewery, winery and distillery project, one of 31 on record, is made by a New Hampshire participating lender, with SBA guaranteeing part of the brewery, winery and distillery loan; the study must answer to that New Hampshire lender's credit matters, from how the money is used to brewery, winery and distillery repayment. Sales for a New Hampshire brewery, winery and distillery splits into wholesale, taproom visits and tasting-room traffic, so the study tests every channel. Production lines, vessels and permit steps drive brewery, winery and distillery budgets in New Hampshire. Debt service coverage for New Hampshire brewery, winery and distillery must be tested at the $100,000 median and again near $225,000, the upper end of the New Hampshire middle half, with a slower brewery, winery and distillery scenario beside both. An appraiser will split special-purpose real estate from trade fixtures, and the study keeps the same. Lenders such as Primary Bank appear in this New Hampshire record; the record is history, and what Primary Bank or any other New Hampshire lender wants from a brewery, winery and distillery study is its own to state.

Treat the New Hampshire brewery, winery and distillery history above, 31 loans, as background: a brewery, winery and distillery study from Loan Analytics for New Hampshire, signed by Daniel Smith, MAI, for brewery, winery and distillery, does the site-specific New Hampshire testing, and nothing here assures New Hampshire approval of a brewery, winery and distillery loan.