Viticulture & Winery Loans
At Capital Farm Credit, we understand the unique financial needs of vineyard owners and winemakers. Our winery and viticulture loans provide tailored funding for land acquisition, vineyard development, equipment purchases, facility construction and operational expenses. Whether you’re expanding your vineyard, upgrading production facilities or investing in a storefront or tasting room, we offer flexible loan options, competitive rates and expert support to help your business grow. Let us help you cultivate success from the ground up.
Viticulture & Winery Expertise
From the first vine to the final pour, we finance the full spectrum of Texas wine production.
Whether you’re growing grapes or building a tasting room, our team understands your craft and your business.
Capital Farm Credit manages more than
$173.5 million
in viticulture and winery financing.
Benefits of Our Winery and Viticulture Loans
Trusted Partnership
Backed by experienced ag lenders who understand the unique challenges of the industry, including high up-front investment, long growth cycle and distribution challenges.
Financing That Grows With You
Scalable loan options designed to support vineyard establishment and expansion, as well as winery development.
Tailored Funding
Customized loans for land acquisition, vineyard planting, facility upgrades and equipment purchases.
Profit-Sharing Advantage
Our Patronage Program returns a portion of earnings to our clients, effectively lowering overall financing costs.
Flexible Credit Lines
Operating lines of credit helps manage seasonal expenses, production costs and cash flow fluctuations at every stage of the winemaking process — from harvest and crush to fermentation, aging and bottling.
Custom Interest Options
Choose between fixed or variable rates to align with your financial strategy and business goals.
Winery and Viticulture Loans can be used for
- Purchasing land
- Irrigation
- Trellising
- Grape varietals
- Vineyard management technology
- Production facilities
- Retail facility construction
How to Apply
At Capital Farm Credit, we’re here to help you secure the financing you need — whether you’re expanding your operation, investing in infrastructure or managing seasonal cash flow. Connect with one of our financial specialists to get started.
Contact Our Agribusiness OfficeLoan payment calculator
Estimate your monthly loan payment.
Our Loan Calculator helps you estimate payments and understand the total cost of borrowing, so you can see how financing fits into your operation’s budget. Simply enter key details like loan amount, interest rate, term length, payment frequency and amortization type to get started.
View Loan Calculator
Patronage Program
A partnership that pays.
At Capital Farm Credit, our clients don’t just get financing — they share in our success. Through our Patronage Program, we’ve returned $2.9 billion in cash and allocated equities over the years. Your share is based on your contribution to the association’s earnings, helping reduce your overall cost of borrowing while reinvesting in your operation.
Learn MoreFrequently Asked Questions
Our viticulture and winery loans can be used for land acquisition, vineyard development, equipment purchases, facility construction and operational expenses. Whether you’re expanding your vineyard, upgrading production facilities, operational expenses or investing in a storefront, we offer tailored financing solutions to fit your needs.
Collateral may include land, vineyard property, production facilities, equipment or inventory. Our loan specialists will work with you to structure financing that aligns with your business.
We offer financing for new vineyard plantings, winery start-ups and first-time winemakers, including funding for land, infrastructure and equipment.
Absolutely. We offer refinancing options to help you secure better interest rates, adjust repayment terms or consolidate debt for improved financial flexibility.
Yes, we provide financing for winery expansions, barrel storage, processing equipment, tasting rooms and production facility improvements to support your business growth.
Yes, we offer operating lines of credit to help manage seasonal costs, labor, harvesting expenses and cash flow fluctuations.
We offer flexible short- and long-term loan options, with repayment schedules that align with your business model, production cycles and cash flow.
Texas Insight
Your resource for staying connected and inspired.
Comprehensive Insurance Protection for Vineyards and Wineries
Weather, fire and crop loss can threaten the hard work behind every vintage. Capital Farm Credit offers specialized insurance solutions — including multi-peril, hail and fire coverage — to help protect your vineyard, winery and long-term legacy.