Waters Edge Wineries, by the numbers
Every figure below comes from real financed deals — what buyers paid, where, and how the loans performed.
SBA Franchise Directory: listed ✓ (identifier S1904)
7 deals since 2020 · typical deal $810K
7
Deals since 2020
$810K
Typical deal
1
Deals since FY2025
—
Too few deals to score risk
What buyers pay for Waters Edge Wineries
Most Waters Edge Wineries deals financed between $630K and $1.47M. Above $1.47M, you're paying more than 75% of buyers did — make the seller earn it.
- Monthly payment (10-yr)
- $10,592
- Down payment (10%)
- $90K
- Cash to close (all-in)
- $123K
Estimates at today's rates and standard 7(a) terms. Not a loan offer.
Could you get the loan?
Three answers. No documents, no credit pull.
Credit score
Available cash (you'll need ~$123K)
Experience
Recent financings
- Baia Del Vino LLC in Arlington, VA — $810K (2025) · Select Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 9.25% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $608K (75%)
- Approved
- 8/11/2025
- Loan status
- Committed
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 11
- Business age
- New Business or 2 years or less
- Industry
- Wineries
Funded by Select Bank · Lender record →
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- Circa 72 Corporation in Doylestown, PA — $1.6M (2023) · Wilmington Savings Fund Society FSB
- Program
- Preferred Lenders Program
- Rate at approval
- 11% variable
- Term
- 107 months
- SBA guaranteed
- $1.2M (75%)
- Approval → funding
- 23 days
- Approved
- 9/10/2023
- First disbursed
- 10/3/2023
- Loan status
- In workout — SBA bought the guarantee
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 40
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Drinking Places (Alcoholic Beverages)
Funded by Wilmington Savings Fund Society FSB · Lender record →
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- Wine Vibes LLC in Missouri City, TX — $1.5M (2022) · CFBank National Association
- Program
- Preferred Lenders Program
- Rate at approval
- 6% variable
- Term
- 126 months
- SBA guaranteed
- $1.1M (75%)
- Approval → funding
- 28 days
- Approved
- 2/7/2022
- First disbursed
- 3/7/2022
- Loan status
- Delinquent
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 30
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Beer, Wine, and Liquor Stores
Funded by CFBank National Association · Lender record →
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- Waters Edge Winery & Bistro in Norfolk, VA — $1.3M (2022) · The Huntington National Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 6.25% variable
- Term
- 132 mo (11 yrs)
- SBA guaranteed
- $962K (75%)
- Approval → funding
- 99 days
- Approved
- 5/18/2022
- First disbursed
- 8/25/2022
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Not required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 30
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Drinking Places (Alcoholic Beverages)
Funded by The Huntington National Bank · Lender record →
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- MRVandy, Inc. in Peoria Heights, IL — $660K (2020) · Morton Community Bank
- Program
- 7a General
- Rate at approval
- 5.5% fixed
- Term
- 75 months
- SBA guaranteed
- $495K (75%)
- Approval → funding
- 54 days
- Approved
- 2/6/2020
- First disbursed
- 3/31/2020
- Loan status
- In workout — SBA bought the guarantee
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 10
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Wineries
Funded by Morton Community Bank · Lender record →
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- Endless Enterprises, Inc. in Richmond, TX — $630K (2020) · PromiseOne Bank
- Program
- 7a General
- Rate at approval
- 7.25% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $473K (75%)
- Approval → funding
- 65 days
- Approved
- 3/31/2020
- First disbursed
- 6/4/2020
- Loan status
- In workout — SBA bought the guarantee
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 7
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Limited-Service Restaurants
Funded by PromiseOne Bank · Lender record →
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- WATERS EDGE WINTERY & BISTRO OF E TOWN, LLC in Elizabethtown, KY — $311K (2020) · Stearns Bank National Association
- Program
- Preferred Lenders Program
- Rate at approval
- 7.5% variable
- Term
- 124 months
- SBA guaranteed
- $233K (75%)
- Approval → funding
- 18 days
- Approved
- 2/11/2020
- First disbursed
- 2/29/2020
- Loan status
- Paid in full (5/31/2024)
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 30
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Wineries
Funded by Stearns Bank National Association · Lender record →
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Who funds Waters Edge Wineries — and where
Every dot is a financed Waters Edge Wineries — 7 mapped.
Financed Waters Edge Wineries locations — list all 7 as text
- Baia Del Vino LLC — Arlington · $810K · FY2025 · Wineries
- Waters Edge Winery & Bistro — Norfolk · $1.3M · FY2022 · Drinking Places (Alcoholic Beverages)
- Circa 72 Corporation — Doylestown · $1.6M · FY2023 · Drinking Places (Alcoholic Beverages)
- MRVandy, Inc. — Peoria Heights · $660K · FY2020 · Wineries
- WATERS EDGE WINTERY & BISTRO OF E TOWN, LLC — Elizabethtown · $311K · FY2020 · Wineries
- Endless Enterprises, Inc. — Richmond · $630K · FY2020 · Limited-Service Restaurants
- Wine Vibes LLC — Missouri City · $1.5M · FY2022 · Beer, Wine, and Liquor Stores
Top lenders for this brand
Most active states
- 1.Virginia (2 loans)
- 2.Texas (2 loans)
- 3.Pennsylvania (1 loans)
- 4.Illinois (1 loans)
- 5.Kentucky (1 loans)
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Common questions
How much does a Waters Edge Wineries cost to buy or open?
The typical deal for Waters Edge Wineries is $810K across 7 transactions since 2020. With the SBA's 10% minimum down payment, that points to roughly $89K of buyer cash on a typical deal.
How risky is Waters Edge Wineries?
Waters Edge Wineries has 7 SBA loans on record since 2020 — too few to score a reliable failure rate. Judge the unit economics and the franchisor's disclosure document, not a small sample.
Can I finance a Waters Edge Wineries with an SBA loan?
Yes — Waters Edge Wineries has been SBA-financed 1 times since FY2025, which means it clears the SBA Franchise Directory requirement regularly. Confirm current listing before signing an LOI.
Buying a Waters Edge Wineries franchise
Most Waters Edge Wineries buyers finance the purchase or build-out with an SBA 7(a) loan — up to 90% of the cost with roughly 10% down. The typical Waters Edge Wineries deal financed for $810K, which points to about $89K of buyer cash on a typical purchase. Waters Edge Wineries is listed in the SBA Franchise Directory (identifier S1904), so it's eligible to finance today — confirm current listing with your lender before the LOI. See the lenders that already fund Waters Edge Wineries — a bank that knows the brand approves faster — or pre-qualify for financing to see your likely loan size first.
AI summary
This profile summarizes public SBA financing activity for Waters Edge Wineries — lender activity, typical loan sizes, financing history, and risk and failure signals where available — via CapBench SBA Intelligence. CapBench is not a lender.
Source: CapBench SBA Intelligence, based on public SBA, lender, franchise, FDIC, and related records. CapBench is not a lender and does not guarantee financing.
Agent summary
This page summarizes public SBA 7(a) financing for Waters Edge Wineries — typical deal size, the lenders that fund the brand, geography, and failure-rate context — from CapBench SBA Intelligence. Waters Edge Wineries is confirmed in the SBA Franchise Directory here; CapBench is not a lender and does not sell franchises.
- 7 SBA 7(a) deals since 2020
- $810K typical deal
- 1 deals since FY2025
- Too few deals to score a reliable failure rate
- SBA Franchise Directory: listed (identifier S1904)
- Top lenders: Select Bank, The Huntington National Bank, Wilmington Savings Fund Society FSB
- Data freshness:
- SBA records through 2026-05-31; FDIC through 2026-03-31; page updated 2026-06-17.
- Sources:
- Public SBA 7(a) loan records; FDIC institution data (BankFind); CapBench lender and franchise enrichment.
- Methodology:
- Sources & methodology
- Informational only — CapBench does not confirm this entity is for sale, eligible for SBA financing, or approved by any lender.
- Figures come from public records and CapBench methodology; verify before relying on them.
- Financing figures are historical SBA loan records, not a current offer or franchise availability. Confirm SBA Franchise Directory listing with your lender before an LOI.
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CapBench analysis of public lending records, FY2020–present. Charge-off rate measured on the FY2020–23 cohort. Not affiliated with Waters Edge Wineries.