Purchasing an additional winery or vineyard location can be an ideal way to grow your business, but the process can also be complicated. Live Oak has a tremendous track record of providing winery & vineyard acquisition financing to growing businesses all over the country. In fact, we’ve financed thousands of small business acquisition nationwide. Let us use our extensive industry knowledge and financing expertise to evaluate your acquisition opportunity and streamline the loan process.

Once we discuss the details of your potential acquisition project, our experienced wine lending experts will be committed to guiding you through the entire buying process. Below you’ll find information on the three main phases of our acquisition loan process. Here’s what you can expect from us after you submit your loan application:

Pre-Approval & Proposal

During the initial phase of the lending process, our winery and vineyard loan experts will conduct a cash flow analysis of your business and perform a standard credit review. Pre-approval of your loan request typically takes one to two business days after we’ve received your application. Once pre-approved, a dedicated loan officer will send you a proposal letter detailing the terms of your loan request.


After your proposal letter is signed and returned, an underwriter will work to reach the final approval of your loan. Every business acquisition is unique, so our team takes the time to assess all the details of each opportunity because we know what to look for in wine business purchases. This phase generally takes one to two weeks. Once approved, we will send you a commitment letter to lock in your loan terms.


At this point, you have signed and returned your commitment letter and will then be assigned to one of our winery and vineyard loan closing specialists. Depending on whether or not real estate is included in the acquisition, closing generally occurs within 45-90 days. Our team understands the time-sensitive nature of these opportunities and will work hard to meet your timelines.

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Join winery lending expert Jeff Clark as he partners with Kristian Story, General Contractor at Sierra View Construction, to discuss important items to think about before you build or renovate your winery.

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

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