Lines of Credit for Winery

Reviewed by Malik Samara · Updated May 2026

Manu helps winery owners across the United States get matched with the right lender — fast. Pre-qualify in minutes through Manu's partner application — access a 75+ lender network with real, competitive offers, no hard credit check.

Disclosure: Manu is a loan partner, not a direct lender, and may earn a referral fee on funded loans. This does not change the rate or terms you receive.

$2B+Funded via Our Network

75+Lenders in Our Network

10K+Businesses Funded

How winery businesses use this financing

Common uses of funds:

Fermentation tanks, presses, and oak barrel programs
Vineyard planting, trellising, and harvest equipment
Tasting room and event-venue build-out
Working capital for bottling, labeling, and aging

Typical loan size: Most winery loans fall between $100K and $1M, with vineyard acquisitions and full production facilities running $2M to $6M.

Seasonality: Wineries generate most cash from the fall harvest and crush plus tasting-room tourism in summer and the holiday gifting season, with multi-year aging delays on revenue.

Most common reason for decline: Lenders most often decline wineries due to long vintage aging timelines, weather-dependent harvest yields, or large land and equipment debt loads.

Best-fit products for winery: Equipment Financing, SBA Loans, Term Loans.

Capital use cases for winery businesses

Crush equipment upgrade: A $100K–$400K equipment loan funds presses, fermentation tanks, and an oak barrel program, financed over 5–7 years to expand fall crush capacity.
Vineyard acquisition: Owners borrow $500K–$3M via an SBA loan to acquire vineyard land and tasting facilities, repaid over 10–25 years as production and tourism revenue grow.
Bottling and aging capital: A $75K–$250K term loan funds bottling, labeling, and barrel aging between vintages, repaid over 3–5 years as the aged wine reaches market.

Funding options for winery businesses

Small Business Loans

$10K–$10M with terms up to 5 years. Funding in 1–3 days. FICO 580+.

SBA Loans

$50K–$5M government-backed financing up to 25 years at Prime + 1–2.75%.

Lines of Credit

$10K–$5M revolving capital with same-day funding. FICO 600+.

Equipment Financing

$10K–$5M to purchase or lease equipment. Up to 5 years. FICO 550+.

Merchant Cash Advance

$10K–$10M against future sales. Same-day funding, no minimum FICO.

A/R & Inventory Financing

Borrow up to 95% of receivables or 85% of inventory value.

Why Winery owners choose Manu

Same-day to 1–3 day funding

Lines of credit and merchant cash advances can fund the same day. Most winery loans wire in 1–3 business days.

75+ lenders, one application

Apply once through Manu's partner application — your file is shopped across a 75+ lender network so winery owners get the best terms available.

Soft credit check only

Pre-qualifying takes about 3 minutes and won't affect your credit score. Just basic business details and your recent bank statements.

Lower credit accepted

Equipment financing accepts FICO 550+. Merchant cash advances and A/R financing have no minimum FICO when revenue is strong.

How winery business loans work with Manu

Apply in 3 minutes

Tell us about your winery business and share your recent bank statements to pre-qualify.

Compare offers

Manu's partner application matches you with lenders that fund winery businesses and shows you real numbers.

Get funded

Accept the offer that fits, sign electronically, and receive funds in as little as 24 hours.

Ready to fund your Winery business?

Get matched with offers in minutes — no hard credit check.

See My Offers

Other industries we fund

Ethnic Grocery Halal Market Kosher Market Asian Grocery Latin Grocery Health Food Store Organic Grocery Farmers Market Vendor Bookstore Comic Book Store Game Store Toy Store Sporting Goods Store Outdoor Gear Store

Other funding options for winery businesses

Winery Loan Winery SBA Loan Winery Cash Advance Winery Revenue Financing Winery Working Capital Winery Equipment Loan Winery Term Loan Winery Factoring

Frequently asked questions

What kind of business loans can Winery owners qualify for?

Through Manu's partner application, winery owners can access small business loans ($10K–$10M), SBA 7(a) and 504 loans ($50K–$5M), business lines of credit, equipment financing, merchant cash advances, accounts receivable financing, and inventory lines. Terms are tailored to your revenue and time in business.

How fast can a Winery business get funded?

Lines of credit and merchant cash advances can fund the same day for qualifying winery businesses. Small business loans and equipment financing typically fund in 1–3 business days. SBA loans take 4–10 weeks due to government underwriting.

What credit score do I need for Winery financing?

Minimum FICO depends on the product: equipment financing starts at 550, small business loans at 580, lines of credit at 600, and SBA loans at 660. Merchant cash advances and accounts receivable financing have no minimum FICO — they're underwritten on revenue and receivables instead.

Will applying hurt my credit score?

No. Pre-qualification uses a soft credit check that does not affect your credit score. A hard pull only happens if you accept a final offer from a lender.

What documents do Winery businesses need to apply?

To pre-qualify, you'll share basic business information plus your most recent 3 months of business bank statements. To finalize an offer, most lenders ask for 3–6 months of bank statements in total. Larger loans may also require tax returns or financial statements.

Sources & references

Loan-product criteria, funding-speed ranges, and credit-score thresholds on this page are validated against current lender requirements and the following primary sources: