USDA Loan Wineries

USDA B&I Loans for Wineries and Vineyards

Wineries and vineyards require people with highly specialized skills, as well as the equipment and science necessary to transform grapes into potable art. From agricultural knowledge to cultivate crops to the chemistry to distill, turn, and age enchanting vintages, wineries need adequate capital to maintain and grow their operations. At Rushview Commercial Funding, we understand the challenges wineries and vineyards face when trying to secure the financing they need. Traditional lenders are placing more risk on borrowers by raising requirements while lowering loan amounts. For these reasons and more, Rushview Commercial Funding provides USDA Business and Industry loans for small wineries and vineyards throughout the United States. From the Finger Lakes of New York to the West Coast, the Gulf South Regions, and everywhere in between, wineries and vineyards use our USDA B&I loans for:

  • Working capital
  • Equipment
  • Hiring employees
  • Improving cash flow
  • Purchasing supplies and inventory

USDA loans from Rushview Commercial Funding feature:

  • Loan amounts up to $25 million
  • LTV up to 80% on loans less than $5 million
  • LTV up to 70% on loans from $5 million up to $10 million
  • LTV up to 60% on loans greater than $10 million
  • Up to 80% FMV for real estate
  • Up to 70% FMV for equipment and machinery
  • Up to 60% of book value for raw inventory and finished goods
  • Up to 60% of book value for receivables


  • Up to 30 years for real estate
  • Up to 15 years or the full life-cycle of the equipment, whichever is less
  • Up to 7 years for working capital
  • Full amortizations
  • No balloon payments
  • Interest-only payments for the first 3 years


  • The ability to repay the loan
  • Principals must demonstrate good credit history
  • New businesses will be required to provide a feasibility study from a recognized independent source
  • New businesses must hold a balance sheet equity position of at least 20% at the time of closing
  • Existing businesses must hold a balance sheet equity position of at least 10% at the time of closing
  • Corporate and personal guarantees are required from all principals with interest of 20% or greater, with the exception of limited partners

Contact Us

If you need efficient and accessible financing for your winery or vineyard, contact Rushview Commercial Funding today and ask about our USDA loans.

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