Winery & Vineyard Loans | North Avenue Capital

Winery & Vineyard Loans


USDA Business &
Industry Loans

$2 Million - $25 Million
Loan Amounts

Populations of
50,000 or Fewer







More than 10,000 varieties of grapes exist on our green earth. Each of them features its own distinct attributes – textures, flavor profiles, and characteristics. 

For winemakers who plant them, harvest them, and turn their juices into refined beverages, funding a winery or vineyard can be as complex as some of the world's most prized vintages. 

At North Avenue Capital, our rural lending experts have winery and vineyard funding down to a science. While traditional lenders are often unfamiliar with the rural locations occupied by the country's leading winemakers, NAC knows them well. As you serve your best in homes and restaurants around the world, our lending specialists are standing by to serve you.

Interested in financing from NAC?

  • Minimum Loan Amount: $2 Million
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Lending Solutions for Wineries & Vineyards

AcquisitionFor many, purchasing a winery or vineyard represents the culmination of a lifelong dream. But it also comes with unique challenges for financing. Our rural lending experts will help you evaluate specialized funding opportunities especially well-suited for wineries and vineyards.

ConstructionFulfill your dream of launching a winery or vineyard without compromising on the rates or terms of your financing. Your winery could qualify for specialty construction funds from
NAC and the USDA.

RefinanceIf your original winery or vineyard loan wasn’t a government-guaranteed USDA loan, you could qualify for lower rates and better terms when you refinance with North Avenue Capital.

EquipmentThe equipment required to maintain a thriving vineyard or
winery can be expensive to acquire and maintain. A
USDA-backed loan could cover the purchase of vital
equipment used for growing, harvesting, or bottling your offerings.

Meet NAC Borrower, Hidden Lake Winery

Owners, Steve and Angela Gorazd, had more than 30 years under their belt working for someone else before refusing to climb another rung of the corporate ladder. Steve explained, "As wine aficionados, my wife and I have visited wineries for many years and dreamed of one day being in the business ourselves." This is their story:

What Can a USDA Business Loan Do for Your Winery?

Purchase Equipment & Fixtures

Increase your output by upgrading your equipment.

Refinance Existing Debt

Increase your margins by lowering
your interest payments.

Expand Your Facility

Ramp up production by increasing
your production space.

Upgrade Your Packaging

Give your brand a boost by finessing your bottling and labeling.

Hire New Employees

Attract the talent you need and
keep the talent you have.

Marketing & Advertising

Expand your brand’s awareness
with new marketing efforts.

Why Choose North Avenue Capital?

Availability of CapitalAs a rural business, your vineyard or winery could qualify for up to $25 million in funding per project – substantially more than is available through traditional lenders. 

Interest-Only OptionsNAC’s interest-only
construction loans free
borrowers from redundant
closings while reducing
uncertainty, shifting terms,
and equity calls.

Startup-FriendlyNAC partners with
businesses of all varieties,
including well-established
corporations, startup
enterprises, and everything
in between.

Simplified StructureNAC can consolidate
multiple types of debt into a single, amortized, non-callable, balloon-payment-free loan structure.