GEORGIA · NAICS 3121
Georgia brewery, distillery, and winery projects anchor Atlanta and Athens craft density with the North Georgia wine corridor adding tasting-room economics tied to mountain tourism. Studies translate production capacity, taproom revenue, distribution growth, and inventory cycles into defensible projections.
FEASIBILITY TRIGGER
Production capacity, taproom revenue, and inventory cycles make these projection-heavy deals where studies are routinely required.
Between FY2010 and FY2026, SBA lenders approved and disbursed 89 7(a) and 504 loans for brewery, distillery, and winery projects in Georgia, totaling $73.2 million in approved financing at an average of $822,000 per loan. Georgia ranks #21 of 38 states tracked for brewery, distillery, and winery SBA lending volume and accounts for 2.5% of national brewery, distillery, and winery SBA dollar volume. 93.3% of these loans were made under the 7(a) program, the remainder under 504. 7 loans have been approved since FY2024.
| Disbursed loans (FY2010–FY2026) | 89 |
| Approved volume | $73.2 million |
| Average loan size | $822,000 |
| 7(a) share | 93.3% |
| Approvals since FY2024 | 7 |
| State rank by loan count | #21 of 38 |
Among the 63 seasoned loans in this segment (approvals FY2010–FY2021), 20.6% reached adverse resolution — purchased, liquidated, or charged off. The national benchmark for brewery, distillery, and winery is 8.1%, against 7.3% across all industries. That performance runs above the national benchmark for this asset class, which is a factor lenders weigh in their credit decision.
Source: SBA 7(a) and 504 FOIA loan-level data, as of March 31, 2026. Disbursed loans only. See data methodology.
A 20.6% adverse-resolution rate against the national brewery, distillery, and winery benchmark of 8.1% tells credit committees to scrutinize revenue projections and coverage assumptions closely on Georgia deals in this class. A rigorous third-party feasibility study — built on documented demand, defensible pricing, and stressed coverage — carries meaningful weight in that underwriting conversation, particularly at an average loan size of $822,000 across 89 loans.
Every Georgia breweries, distilleries and wineries project we underwrite follows the same lender ready process: independent market analysis, site and technical review, and financial projections tested against SBA SOP 50 10 8 standards. Our SBA feasibility study consultants guide explains scope, timing, deliverables, and what lenders and CDCs expect in the report.
The national SBA brewery feasibility study tests practical capacity, on-site coverage, distribution law and aging-inventory funding. Its lending ledger benchmarks a Georgia brewery file against 5,393 disbursed SBA brewery loans.
Georgia projects most often fit SBA 504 where owner-occupied real estate anchors the deal, with the 50/40/10 structure delivering up to 90 percent financing at a fixed debenture rate. SBA 7(a) covers acquisitions, working capital, and equipment, and from July 4, 2026 eligible borrowers can combine 7(a) and 504 for up to $10 million in total program credit.
Atlanta and Athens anchor the state's craft density, with the North Georgia wine corridor adding tasting-room economics tied to mountain tourism.
For a national view of this asset class, see our brewery, distillery, and winery SBA feasibility overview, and read our related analysis in the brewery, distillery, and winery lending research on our blog.
Public SBA and CDC program records, cited as program evidence
$2.8M SBA 504 ground-up through Florida First Capital plus $300K state working capital
7,500 square foot brewery, taproom, restaurant, and event space, national program evidence
Bradenton, Manatee County, Florida
Fifteen-minute scoping call, written proposal inside one business day, firm fixed fee before you sign.
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