Vineyard & winery capital · up to $1.5M · every wine region in America
The bank sees farmland.
We see the vintage.
No-doc capital for vineyard and winery real estate — underwritten on the appellation, the plantings, the water and the ground. 70% LTV, 680 credit, term sheet in 48 hours. Your K-1s stay in the drawer.
48 hrs
To a written term sheet
70%
Of appraised value — AVA premium included
0
Tax returns, P&Ls or case-volume reports
50
States — every AVA in America
Every situation, one program
Wherever you are in the life of a vineyard,
there's a version of this loan.
The block next door just listed
Vineyard ground trades between neighbors, quietly, once a generation. When the parcel you've pruned past for twenty years finally comes up, a 90-day bank process is how you lose it. Term sheet in 48 hours; close in 2–4 weeks.
Move on it →Buying planted acreage in an AVA
Established AVA fruit carries a premium banks struggle to underwrite — they see farmland, we see the appellation, the varietal, the water and the age curve of the vines. Up to 70% of appraised value, no tax returns.
How we underwrite vines →Buying a winery or tasting room
Production facility, tasting room, estate acreage — financed on the real estate alone. No case-volume analysis, no three years of P&Ls, no waiting on a bank committee that's never priced a crush pad.
Winery financing →Replanting after red blotch or phylloxera
Pulling infected blocks is expensive exactly when your income statement looks worst. A cash-out against the land funds rootstock, trellising and the three patient years to first harvest — without opening your books.
See what your land unlocks →Your balloon is due and the bank went quiet
The classic file: a five-year note amortized over thirty, the renewal that was “no problem” until it was. We refinance maturing vineyard debt in 2–4 weeks, against the asset, before default rates start.
Run your balloon numbers →1031 exchange into vineyard ground
Selling a rental building and rolling into an AVA parcel is a classic exchange — until financing eats the 180-day window. Our timeline fits inside your deadlines with weeks to spare.
Check your deadlines →Buying out a partner
Partnerships end — retirement, divorce, divergence. A loan against the vineyard's equity pays out the departing partner cleanly without selling the property or bringing in strangers.
Structure a buyout →Custom crush, ready for your own estate
You've built the brand renting someone else's tanks. Buying your own facility or planted ground is the leap — and it's a real-estate loan, not a business loan, which means your growth story doesn't need a banker's approval.
Make the leap →Refinancing a seller carry-back
The seller carried the note to get the deal done; now it's maturing, or they want out early. We take out carry-back debt against the land's current appraised value — which is often well above what you paid.
Take out the note →Expansion: water, trellis, equipment
Business-purpose cash-out against land you own free and clear — for wells and water development, new blocks, equipment, or the next opportunity. Your equity is capital wearing a fence.
Unlock equity →Your K-1 says loss.
Your cellar says otherwise.
Wine is a business of patient capital — vines that take three years, vintages that take five, depreciation schedules that make profitable estates look broke on paper. We underwrite the real estate, so none of that counts against you.
What we actually look at
Underwriting, by the row.
Appellation & site
AVA, elevation, aspect, frost history. The premium an established appellation carries is real value — we count it, banks average it away.
Plantings & age curve
Varietal, clone, rootstock, trellis system, and where each block sits on the yield curve. Mature producing vines are collateral, not decoration.
Water
Deeded rights, priority dates, district contracts, well capacity. On western ground, water is often the larger half of the appraisal — we underwrite it like it.
Improvements
Production facilities, caves, tasting rooms, crush pads. Winery improvements appraise on cost and income approaches — both work without your tax returns.
Go deeper: vineyard & winery answers, water rights, irrigation demand calculator, or what 70% LTV gets you.
Thirty seconds, the whole story
Where most of our vineyard files come from
Built for the West Coast. Lending in every AVA.
California, Oregon and Washington carry different water regimes (SGMA, prior appropriation, district contracts) and very different per-acre comps — our underwriting reads each one natively. Finger Lakes, Texas Hill Country, Virginia: same program, same 48 hours.
Vineyard questions, straight answers
Before you ask.
The right block comes up once.
Be ready before the crush.
Five minutes to apply. A written term sheet in 24–48 hours. Or call (800) 555-0170 — we'll meet you on the turnrow.
Start your application