Wine Country Real Estate Financing

Wine Country Financing Options – Sonoma & Napa Counties

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.

Napa Valley AVA Vineyard For Sale

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.

Vineyard / Ag Financing

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
Comerica Bank
San Francisco, CA
Northland Capital Equipment Finance
St. Cloud, MN
Bacchus Capital Management
San Francisco, CA
Exchange Bank
Santa Rosa, CA
PGIM Real Estate Finance
Agricultural Finance

Roseville, CA
Baker Boyer Bank
Walla Walla, WA
F&M Bank – Napa
Napa, CA
Rabobank, NA – Napa
Santa Rosa, CA
Bank of America Merrill Lynch
Santa Rosa, CA
Farm Credit West
Rocklin, CA
Redwood Credit Union
Santa Rosa, CA
Bank of Marin
Napa, CA
First Republic Bank
San Francisco, CA
Silicon Valley Bank, Wine Division
Napa, CA
Bank of Stockton
Stockton, CA
Fresno Madera Farm Credit
Fresno, CA
Summit State Bank
Santa Rosa, CA
Bank of the West
Wine & Beverage Group

Napa, Ca
Global Wine Partners
St. Helena, CA
The Winery Exchange
Napa, CA
Banner Bank
Walla Walla, WA
Live Oak Bank – Wine & Craft Lending
Santa Rosa, CA
Tri Counties Bank
Santa Rosa, CA
BMO Harris Bank
San Francisco, CA
Mechanics Bank
Napa, CA
Umpqua Bank
Santa Rosa, CA
Citibank – Winery & Vineyard Practice
Napa, CA
MetLife Investment Management’s
Agricultural Finance Group

Fresno, CA
Union Bank
Santa Rosa, CA
Greenwood Village, CO
Napa Valley Financial
Napa, CA
Wells Fargo
Commercial Banking Office
Santa Rosa, CA


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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.

Which AVA came first?

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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