One of the key components of purchasing a wine country property, whether it is a vineyard, estate, winery or bare land is the capital to make the acquisition. Many buyers are going to require some sort of financing for a purchase or perhaps a line of credit during the year as part of operations. With in mind the list below provides various opportunities for wine country real estate financing in Napa and Sonoma counties. They also provide financing for vineyard and winery properties throughout California.
Wine Country Real Estate Financing
Most of the big name banks we are familiar with focus on residential home loans. Sometimes the will finance homes with a small vineyard. These banks typically do not lend on ag related properties or land. Once a vineyard gets beyond a few acres in size it just isn’t in their wheelhouse.
That is, unless they have a specific ag division. There has been more than one occasion where an associate with a brand name lender has said there would be no problem with this type of loan. Only to find out once the package is in front of the underwriter the loan is rejected. I can’t stress enough the importance of working with an appropriate lender to get wine country real estate financing.
Here is a list of various lenders that have experience in wine country. They provide financing options for real estate, vineyards, wineries, lines of credit etc..
| American Ag Credit Santa Rosa, CA 800-800-4865 www.agloan.com | Comerica Bank San Francisco, CA 916-491-1304 www.comerica.com/wine | Northland Capital Equipment Finance St. Cloud, MN 320-252-2122 www.northlandcapital.com |
|---|---|---|
| Bacchus Capital Management San Francisco, CA 212-486-3600 www.bacchuswinefund.com | Exchange Bank Santa Rosa, CA 707-524-3102 www.exchangebank.com | PGIM Real Estate Finance Agricultural Finance Roseville, CA 916-789-4071 www.pgimref.com/agloans |
| Baker Boyer Bank Walla Walla, WA 509-525-2000 www.bakerboyer.com | F&M Bank – Napa Napa, CA 707-757—8501 www.fmbonline.com | Rabobank, NA – Napa Santa Rosa, CA 707-591-8020 www.raboag.com |
| Bank of America Merrill Lynch Santa Rosa, CA 707-293-2553 www.baml.com | Farm Credit West Rocklin, CA 800-909-5050 www.farmcreditwest.com | Redwood Credit Union Santa Rosa, CA 707-545-4000 www.redwoodcu.org |
| Bank of Marin Napa, CA 707-265-2022 www.bankofmarin.com | First Republic Bank San Francisco, CA 707-251-4114 www.firstrepublic.com | Silicon Valley Bank, Wine Division Napa, CA 707-586-6100 www.svb.com |
| Bank of Stockton Stockton, CA 209-929-1600 www.bankofstockton.com | Fresno Madera Farm Credit Fresno, CA 559-277-7000 www.fmfarmcredit.com | Summit State Bank Santa Rosa, CA 707-568-6100 www.summitstatebank.com |
| Bank of the West Wine & Beverage Group Napa, Ca 707-501-5150 www.bankofthewest.com | Global Wine Partners St. Helena, CA 707-967-5315 www.globalwinebank.com | The Winery Exchange Napa, CA 707-853-5747 www.thewineryexchange.com |
| Banner Bank Walla Walla, WA 509-527-3626 www.bannerbank.com | Live Oak Bank – Wine & Craft Lending Santa Rosa, CA 707-921-1102 www.liveoakbank.com/wcb | Tri Counties Bank Santa Rosa, CA 707-522-5480 www.tricountiesbank.com |
| BMO Harris Bank San Francisco, CA 415-354-7509 www.bmoharris.com/wine | Mechanics Bank Napa, CA 707-256-4349 www.mechanicsbank.com | Umpqua Bank Santa Rosa, CA 707-636-3409 www.umpquabank.com |
| Citibank – Winery & Vineyard Practice Napa, CA 707-253-9973 www.citi.com | MetLife Investment Management’s Agricultural Finance Group Fresno, CA 559-435-0206 www.metlife.com/ag | Union Bank Santa Rosa, CA 707-540-9596 www.unionbank.com/wine |
| CoBank Greenwood Village, CO 800-542-8072 www.cobank.com | Napa Valley Financial Napa, CA 707-603-2663 www.napavalleyfinancial.com | Wells Fargo Commercial Banking Office Santa Rosa, CA 707-584-3150 www.wellsfargo.com |
Click here to view more wine country resources – Network
Some additional articles that might be helpful:
What is a vineyard really worth? It depends.
Wine Country Real Estate Building Blocks
Looking to Buy A Winery, Start Here
So where exactly is wine country?
Buying a Vineyard? A short course to the basics.
If you are serious about your wine country search, please contact us today. Last but least, here is link to more local resources.
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