NEW YORK · NAICS 3121
New York brewery, distillery, and winery deals are projection-heavy by nature, with production capacity, taproom revenue, and inventory cycles all entering the lender model. Studies separate production economics from hospitality revenue, document distribution agreements, and align the file with the state's craft beverage regulatory framework.
FEASIBILITY TRIGGER
Production capacity, taproom revenue, and inventory cycles make these projection-heavy deals where studies are routinely required.
From FY2010 through FY2026, New York recorded 339 SBA-disbursed brewery, distillery, and winery loans across the 7(a) and 504 programs, representing $121.7 million in approved financing at an average loan size of $359,000. The state sits at rank #2 of 38 for brewery, distillery, and winery SBA lending volume and holds 4.2% of the national brewery, distillery, and winery dollar pool. 7(a) accounts for 90.6% of the count, 504 for the rest, with 27 fresh approvals dated FY2024 or later.
| Disbursed loans (FY2010–FY2026) | 339 |
| Approved volume | $121.7 million |
| Average loan size | $359,000 |
| 7(a) share | 90.6% |
| Approvals since FY2024 | 27 |
| State rank by loan count | #2 of 38 |
Among the 277 seasoned loans in this segment (approvals FY2010–FY2021), 6.1% 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 below the national benchmark for this asset class, a credit-positive signal for lenders.
Source: SBA 7(a) and 504 FOIA loan-level data, as of March 31, 2026. Disbursed loans only. See data methodology.
A 6.1% adverse-resolution rate below the national brewery, distillery, and winery benchmark of 8.1% supports the credit story for well-underwritten New York projects in this class. Across 339 SBA loans averaging $359,000, that track record does not eliminate the need for a third-party feasibility study, but it means a rigorous study reinforces rather than defends the projections.
Every New York 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 New York brewery file against 5,393 disbursed SBA brewery loans.
New York projects 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, while SBA 7(a) covers acquisitions, working capital, and equipment. From July 4, 2026 eligible borrowers can combine 7(a) and 504 for up to $10 million in total program credit.
The Finger Lakes and Western New York craft cluster ties production economics to wine trail and tourism demand.
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.
Compare neighboring markets: New Mexico, North Carolina, Texas.
Public SBA and CDC program records, cited as program evidence
SBA 504 through Pursuit with M&T Bank as partner lender
Brewery locations in Orchard Park and Lockport, program evidence
Erie and Niagara Counties, New York
SBA 504 purchase and historic barn renovation through Pursuit
Named Small Business of the Year by the Landmark Society of Western New York, program evidence
Seneca Lake, Finger Lakes region, New York
Fifteen-minute scoping call, written proposal inside one business day, firm fixed fee before you sign.
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