Adding on to or renovating your brewery can be a great way to expand your business. Working with a lending partner like us who fully understands the construction process and how a brewery operates means you can easily scale your brewery. Live Oak’s craft brewery lending team will guide you every step of the way until the doors of your new taproom or production facility are open. Our goal is to streamline this process allowing you to enjoy watching your vision come to life. Here’s what you can expect after connecting with one of our brewery loan officers:


By involving Live Oak early in the planning stages, we can help you save money and time, avoid costly mistakes and eliminate the need to re-explain project details. After you speak with one of our brewery loan officers, we will collect your business plan, projections and other relevant documents to start the approval process. Once your documents are received, you can expect pre-approval within one to two business days. You will then be issued your proposal letter with information on rates, terms and all collateral requirements.

Underwriting & Closing

Once your proposal letter is signed and returned, your underwriter will work alongside a credit officer to obtain final approval for your loan. Underwriting generally takes one to two weeks on average. Assuming your request is approved, we will send you a commitment letter and your loan will be assigned to a brewery closing specialist and construction specialist. Closing generally happens within 60-90 days.


Once your loan has closed and construction is set to begin, your brewery construction specialist will work with you to ensure your architect and contractor are qualified for the project and that your loan proceeds align with the construction budget. With your approval, we will directly pay the contractor. This frees you up to get back to focusing on your business’s needs.

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Join brewery loan officer Kate Lumpkin as she partners with Maria Pearman, Principal/CPA at Radix Accounting, to discuss the latest tax reform legislation and how it applies to your brewery business.

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Knowledge Bank

After a successful track record of running your own craft brewery, seeking an expansion loan can be great way to increase production and profits. We’re here to help. Learn how we’ve helped others and gain access to valuable resources.

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From our Craft Breweries Resource Center

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