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Begin Your Application Today

Provide us with some basic information to see which loans and how much funding you qualify for.


Step 1 of 3

Are you financing a vineyard or winery?  Vineyard financing typically depends on the land pricing, site evaluation, financial position, management ability and financial strength of the owners or entities involved.  Winery financing typically revolves around operating, equipment, real estate and construction loans to finance the facility used for wine-making production or inventory.

Owning a winery or vineyard requires a great amount of passion, persistence and expertise.  We appreciate the work you’ve done to get to this point.  For any winery or vineyard to be successful, you must acquire or grow quality grapes and produce new and fresh wines that satisfy the palates of today’s wine consumers.  Focusing on these essentials requires experience and time, which is why you need to work with finance partners like Upwise who know your industry best. 

Wine Industry Financing

can be used for 
Cash Flow.

When you think of wine production in the United States, of course the hills of Napa Valley, California are some of the first images that come to mind. This small, but mighty wine producing area has become synonymous with the art of winemaking in the U.S.  

But America’s history of wine-making started in other, lesser known regions. Between the 1560’s and the 1650’s, wines were produced in Virginia, Florida, Texas, Arizona and New Mexico.  In the U.S., the first commercial winery was established in the early 1800’s in Cincinnati, Ohio and produced a sparkling wine from native Catawba grapes.

Winery Services Available From Upwise

Loan Amount

$5K to $250K

Unsecured Line of Credit

Loan Amount

$100K to $10MM

Secured Line of Credit

Loan Term

6 Months to 2 Years

Credit Score


Secured Line of Credit: 620+

Interest Rate

7 % - 25 %

Time in Business

Greater than 1 Year


As Fast As Same Day

Annual Revenue


Business Line of Credit

A revolving business line of credit gives access to a pool of funds to draw from when a business owner needs capital. Unlike a traditional business loan, you have the flexibility to borrow up to a set amount, repaying only the amount you withdraw, plus interest.

How it Works

Step 1: Complete the Application

Apply online in just a few minutes or call us directly to apply over the phone at (646) 837-5522, its your choice.

Step 2: Review Your Options

Our system evaluates your business and typically provides a decision within hours. Approvals for certain products may take up to 24-48 hours.

Step 3: Get Your Funds

Sign your contract, submit closing documents and receive funds into your account via wire transfer or ACH. Available as soon as same day.

wine and grape
winery inventory financing

Wine Industry working capital loans can be used for launching a new product, brand, winery & much more!

Need Working Capital? Don’t Wait and Apply Now! 

The Wise, Fast & Transparent Solution for your business.

We are proud and dedicated to serving small businesses.

Join over 2,500 Clients who love us.

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Very Pleased!
Upwise Capital is absolutely the best! Joe is amazing to work with and we were successful in obtaining PPP funding with little to no stress, which is important during these very difficult times. Will continue to use Upwise Capital for our funding needs.
Jack — Business Owner
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Fast & Easy Process.
After attempts with Bank of America and another bank I had many decades of relationships with; I couldn’t get my PPP approved; mostly due to the huge volume of applicants. Upwise got me funded in 48 hours! Bravo.
Chris — Owner.
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Excellent Service!
Excellent Service, very professional and always available to answer questions and concerns. I will defenitely use their services again!
Claudio — Business Owner
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Upwise Comes Through!
Joe Lustberg sent me to 2 different SBA Lenders when my bank was not ready to accept PPP applications and the SBA had run out of funds. My company was very busy assisting our clients in their own PPP applications, and here we were unable to apply ourselves. I applied to both lenders and within 1 week we received an approval from 1 of the lenders. Today, we received our funding and I couldn't be more grateful to Joe and his team at Upwise.
Jody — CPA.
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Remarkably Transparent.
Could not have had a better experience. Very professional, very transparent of the whole process, and very responsive to assist during a stressful and confusing time.
George — Co-Founder.
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Very Professional
I needed a new piece of equipment for my asphalt business and was recommended to Upwise by a friend. I showed them the equipment I wanted and who I was buying it from and they got it for me - within 2 weeks it was at my job site being used. Will def use again.
Jose — Business Owner
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Upwise has the newest ways and financing options to help you rise 

and become more successful. 

Let us guide you to make wise decisions.

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