From Vine to Bottle — Financing That Understands Both.
Oregon and California wine country demands a lender who can look at both the real estate and the enterprise — and underwrite the full value of what you've built.
$750K – $20M+
Loan Range
Vineyard + Winery
Property Types
DTC, Wholesale, Hospitality
Income Sources
Enterprise + Real Estate
Underwriting
Overview
Winery Financing That Sees the Full Picture
Oregon's Willamette Valley and California's wine regions are home to some of the most complex — and most valuable — agricultural properties in the country. A winery is simultaneously a farm (the vineyard), a manufacturing facility (the winery), a retail business (direct-to-consumer), and often a hospitality operation (tasting room, events). Most lenders see that complexity and step back. We lean in.
We underwrite winery and vineyard acquisitions by combining real estate value, grape contract income, DTC wine sales, wholesale distribution revenue, and tasting room/hospitality income into a unified picture. Liquor licensing history (Oregon OLCC, California ABC) is never penalized in our analysis. We understand the wine industry — and we finance it seriously.
Who This Is For
Key Features
What Makes This Program Work
Vineyard Acquisition
Finance established vineyards with existing grape contracts and varietal plantings — grape revenue is counted as farm income in our analysis.
Winery Facility Financing
Purchase or refinance bonded winery facilities including crush pads, barrel rooms, fermentation cellars, and tasting rooms.
DTC & Wholesale Income
Direct-to-consumer wine club revenue, tasting room sales, and distributor wholesale agreements are all underwritten as operating income.
Hospitality Revenue
Tasting room events, wine club memberships, weddings, and agri-tourism income factor into our blended income underwriting.
Working Capital Lines
Revolving lines for harvest inputs, barrel purchases, bottling costs, and DTC marketing expenses — structured around wine production cycles.
Crop Insurance Considered
Vineyard crop insurance policies, frost protection coverage, and comprehensive farm policies factor into our income stability analysis.
The Process
How It Works
Operation Profile
We start by understanding your vineyard acreage, varietal plantings, production volume, sales channels, and facility details.
Income Documentation
We gather 2–3 years of winery P&L, Schedule F (if farming the vineyard), DTC sales data, wholesale contracts, and grape purchase agreements.
Blended Underwriting
Our team constructs a combined income analysis from all revenue streams — vineyard, production, DTC, wholesale, and hospitality — to determine global DSCR.
Specialized Appraisal
A MAI-certified appraiser with winery and vineyard specialty evaluates the property using the income, sales comparison, and cost approaches.
Loan Structuring
We present a loan structure reflecting the full complexity of the transaction — real estate, production assets, and operational goodwill all considered.
Close & Uncork
Efficient closing with documentation appropriate to a licensed agricultural and commercial real estate transaction.
Requirements
General Qualifications
Get in Touch
Ready to chat with one of our Ag specialists?
Schedule a consultation by calling us directly or completing the contact form — we'll get back to you within one business day to review your operation, walk through your options, and identify every program you qualify for. No cost, no obligation.
Call Us
503-966-9255
Mon – Fri, 8 am – 6 pm PT
Licensed in Oregon & California · NMLS #1498678 · Agricultural Lending Division
Send Us a Message
We'll get back to you within one business day
Related Programs
Grass Seed Farmers
Another Oregon specialty — grass seed operations in the Willamette Valley benefit from dedicated ag financing.
Agribusiness & Processing Loans
Large-scale wine production facilities may qualify under our agribusiness and processing program.
Vineyard Loan Calculator
Model vineyard acquisition payments under typical 25–35% down ag terms and stress-test cash flow scenarios.
FAQ
Common Questions
From the Blog
Further Reading
AgriculturalAgricultural Loans: Financing Farm & Ranch Property in Oregon
Financing agricultural land is fundamentally different from a standard home purchase. Here's what Oregon farmers, ranchers, and rural property buyers need to know.
AgriculturalAg Equity Lines of Credit: Unlocking Farm and Ranch Equity Without Selling an Acre
An Agricultural Equity Line of Credit gives farmers and ranchers revolving access to up to $10 million in land equity — with no annual maintenance fee, no minimum usage requirement, and interest-only semi-annual payments during a 5 or 10 year draw period. Here's how it works and what you can do with it.
What Our Clients Say
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Your Land. Your Terms.
Let's Build the Right Loan.
Our ag loan specialists will review your scenario, walk you through every option, and structure financing around how your operation actually works — with full transparency from first call to close.