As a distillery owner, building or renovating a new facility or tasting room can seem daunting; however, it might be a necessary step to help you increase your capacity. As a lending partner that works on distillery construction financing nationwide, Live Oak routinely helps distillers select the best expansion loan options for their businesses. Our focus is on streamlining the construction process, so you can feel confident that your project will be completed on time and on budget. Here’s what you can expect after connecting with one of our loan officers:


By including Live Oak early in the planning stages, we can help you can save money and time, avoid mistakes and eliminate the need to discuss the same project details over and over again. Once you speak with one of our distillery loan officers, we will collect your projections, business plan and other pertinent documents to start the approval process. After your documents are received, you can anticipate 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 dedicated underwriter will work alongside a credit officer to obtain final approval for your loan. On average, underwriting takes one to two weeks. We will send you a commitment letter once your request is approved and your loan will be assigned to a distillery closing specialist and a construction specialist. Closing typically occurs within 60-90 days.


After your loan closes and before construction starts, your distillery 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 make payments directly to the contractor, so you can get back to focusing on your business’s needs.

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Craft distillery loan officer Kate Lumpkin partners with Maria Pearman, Principal/ CPA at Radix Accounting, to examine recent changes in tax reform legislation and its implications for your business.

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Knowledge Bank

Seeking an expansion can be great way to increase production and profits. Successfully doing so requires smart choices and seizing opportunities. Let us help you make the right financial choices for your business by reviewing our resource library.

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From our Craft Distilleries Resource Center

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