Working Capital for Wineries & Vineyards
Wineries and vineyards sink cash into land, barrels and multi-year aging cycles long before a vintage reaches a bottle shop shelf. Working capital helps owners cover harvest labor, barrel purchases or tasting room upgrades while last year's vintage is still resting in the cellar.
Approval in as little as 24 hours after you apply, with funds sent as soon as the next business day, so wineries & vineyards never wait on a bank.
Fixed daily or weekly payments sized to your sales, not a balloon due date. A vintage can take a year or more from harvest to bottling, tying up cash in barrels and storage long before it generates sales revenue.
Funding is a purchase of your future receivables, so you are not pledging equipment, property or personal assets. Harvest season demands a surge of seasonal labor and equipment that must be paid for in a short, weather-dependent window.
One approval, draw what you need, and return for additional funding as your wineries & vineyards business performs. Weather events like an early frost or a poor growing season can shrink a harvest without shrinking the winery's fixed costs.
Cover seasonal labor, pickers and harvest equipment during crush.
Purchase barrels and expand cellar or storage capacity.
Fund a tasting room buildout or a direct-to-consumer sales push.
Yes, qualification is based on your winery's overall monthly revenue and time in business, not on any single vintage's sales status. Many wineries use funding specifically to bridge cash flow while wine ages.
Working capital has no restriction on use, so seasonal harvest labor, equipment rental and transport are common uses among vineyard owners. Funds can be in your account before crush begins.
Funding ranges from $2,500 to $5,000,000, so both small family vineyards and larger commercial wineries can qualify. The requirement is at least six months in business and $10,000 or more in monthly revenue.
Paz funds wineries & vineyards from $2,500 to $5,000,000. Most wineries & vineyards qualify for $50,000 - $400,000, based on monthly revenue and time in business rather than collateral.
A US business that has operated for at least six months with $10,000 or more in monthly revenue, your last three months of bank statements and your EIN. The application takes about five minutes, and there is no hard credit pull to get pre-qualified.
Wineries & Vineyards funding, approved in as little as 24 hours