For U.S. vineyard, winery & rural-property owners

Vineyard & winery property financing.

Explore a property purchase, refinance, operating-capital need, or debt-restructuring scenario with public industry information in view.

Start a vineyard financing scenario

Anonymous public request · No account required

Choose the financing purpose

Start with the move you are considering.

The public scenario form includes these four purposes. Add the property type, location, amount, timeline, and context that help describe the situation.

01

Purchase financing

Share the property location, intended use, amount under consideration, and the context around a vineyard or winery purchase.

02

Refinancing

Describe the property and the existing financing situation you want to discuss, including what has changed.

03

Operating capital

Outline the operation and the amount and timing of an operating-capital scenario.

04

Debt restructuring

Explain the property, debt context, and what you are hoping to explore in a restructuring scenario.

Third-party industry information

Public programs offer useful points of comparison.

The sources below describe USDA, SBA, and Farm Credit programs. They do not establish C 45 Group products or vineyard-specific qualification. Eligibility, terms, and underwriting are determined by each program or lender.

USDA · Farm Service Agency

Farm ownership and operating programs

  • Farm Ownership Loans are listed up to $600,000 for eligible borrowers.
  • Farm Operating Loans are listed up to $400,000 for eligible borrowers; USDA describes direct operating-loan terms from one to seven years.
  • The USDA Loan Assistance Tool helps visitors explore FSA options and steps.

These are USDA program figures, not C 45 Group limits or a finding that a vineyard qualifies.

Sources: USDA farm-loan overview · Operating-loan Q&A

U.S. Small Business Administration

Business financing for real estate and fixed assets

  • SBA 7(a) proceeds may be used for real estate acquisition, refinancing, or improvements, as well as working capital and certain existing business debt.
  • SBA’s program comparison lists up to 25 years for 7(a) real-estate financing; the 504 program maximum is $5.5 million for eligible projects.
  • SBA program criteria and lender review apply.

SBA program amounts and maturities are separate from C 45 Group’s published scenario range and are not C 45 Group loan terms.

Sources: SBA 7(a) · program comparison · SBA 504

Farm Credit System

Agricultural and rural lending institutions

  • The Farm Credit Administration describes authority for agricultural real-estate, agricultural production, and intermediate-term loans.
  • The System also serves certain farmer-owned agricultural processing facilities and farm-related businesses through institutions with local service territories.
  • Use the Farm Credit locator to identify an institution serving a location.

The FCA overview does not set vineyard-specific rates, terms, or eligibility; those details depend on the institution and borrower.

Source: Farm Credit Administration overview · Farm Credit System lender locator

C 45 Group · public scenario request

Put the property and financing purpose in context.

Choose “Vineyard or winery” and then Purchase, Refinance, Operating capital, or Debt restructuring in the anonymous scenario form. Submitting a scenario does not promise eligibility, approval, rates, loan terms, or a timeline.

Open the anonymous scenario request

Sources and further reading