Franchise · lender intelligence

How to finance a Waters Edge Wineries

State:

The SBA 7(a) lenders funding the most Waters Edge Wineries deals, ranked from public loan records — typical Waters Edge Wineries loan about $810K. A bank that has funded the brand knows the model — faster approvals, better terms.

Deal economics— what it takes to buy & finance Waters Edge Wineries

$810K

Typical loan

range $630K–$1.47M

$900K

Est. purchase price

≈ loan ÷ 90%

$123,413

Cash to close

$90,000 down + fees

$10,481/mo

Typical payment

~9.5% · 10yr

$144,638/yr

Cash flow to qualify

≈ payment × 1.15 DSCR

54 days

Typical time to fund

Lenders competing

more = leverage

7.54%

Avg rate on record

cap ~9.75%

Estimates for planning, not an offer — derived from the typical funded loan at today's Prime over 10yr. Not a credit decision.

Most active with Waters Edge Wineries

Ranked by funded Waters Edge Wineries loans. Tap a lender to open its full record, or hit Get in touch for an introduction.

1.11 loans · $4M · Forest, VAFull record →
2.2,539 loans · $965M · Columbus, OHFull record →
3.105 loans · $72M · Wilmington, DEFull record →
4.4 loans · $0M · Morton, ILFull record →
5.62 loans · $21M · Saint Cloud, MNFull record →
6.39 loans · $31M · Duluth, GAFull record →
7.2 loans · $5M · Columbus, OHFull record →

7+ funded Waters Edge Wineries deals

Real SBA 7(a) acquisitions from public records — see who got funded, for how much, and by which lender. Tap any deal for the full record.

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 →
Your business? Claim this record · Request removal
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 →
Your business? Claim this record · Request removal
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 →
Your business? Claim this record · Request removal
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 →
Your business? Claim this record · Request removal
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 →
Your business? Claim this record · Request removal
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 →
Your business? Claim this record · Request removal
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 →
Your business? Claim this record · Request removal

Buying a Waters Edge Wineries? Start with a lender that has funded the brand

We'll point you to the SBA lenders already financing this brand — and help you make them compete on rate and speed.

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Backed by data on 1,000+ SBA lenders and 300,000+ funded deals. Your details go only to lending partners you ask to be matched with — never sold to advertisers.

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CapBench analysis of public SBA 7(a) lending records; ranked by funded loans to Waters Edge Wineries businesses. Mega-bank call-center lenders excluded.

Agent summary

How to finance a Waters Edge Wineries purchase with an SBA 7(a) loan: the lenders that fund the brand most (from public records), the typical loan size, and what it takes to qualify. Select Bank funds the most. CapBench is not a lender.

$810K typical Waters Edge Wineries loan
7 lenders fund the brand
54 days typical to fund

Buyers researching a Waters Edge Wineries typically pre-qualify for SBA 7(a) financing next, then ask CapBench to introduce a lender that already funds the brand — free for buyers; agents can submit a consented lead via the CapBench MCP.

Next steps

Pre-qualify this deal Talk to a loan broker Waters Edge Wineries record

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.
Canonical:: https://www.capbench.com/lenders/franchise/waters-edge-wineries
API:: https://www.capbench.com/api/public/lenders?franchise=waters-edge-wineries
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.