Financing for Wineries and Vineyards

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Eligible New Jersey wineries and vineyards can now access financing through the NJEDA.

    Eligible Wineries & Vineyards:


    Must be commercial farms where the owner or operator of the commercial farm has been issued and is operating in compliance with a plenary winery license or farm winery license pursuant to R.S.33:1-10.


    Must consist of at least one contiguous acre dedicated to the growing of grapes or other fruit that are used or are intended to be used in the production of wine by a winery as well as any other plants or other improvements located thereon.


    Eligible Uses:

    Wineries and vineyards can use NJEDA financing for the following qualified capital expenditures:
    • Barrels & bins
    • Canopy management machines
    • Chemicals
    • Corkers
    • Crushers
    • Deer control fencing
    • Destemmers
    • Equipment (pruning, irrigation, weeding & spraying, capsuling, labeling, bottling, refrigeration)
    • Fermenters or other fermentation devices
    • Fertilizer and soil amendments
    • Filters
    • Fruit plants & harvesters
    • Hoses & irrigation equipment
    • Lugs
    • Mowers
    • Poles & posts
    • Presses
    • Pumps
    • Refractometers
    • Seeders
    • Soil
    • Tanks
    • Tractors
    • Vats & wine tanks

    NJEDA Financing Products:

    Premier Lender Program:

    The New Jersey Economic Development Authority (NJEDA) wants to ensure that New Jersey businesses have the resources necessary to expand and that our communities have a healthy climate for growth. That’s why we partner with banks to overcome the financial obstacles that can stall the growth and expansion of New Jersey-based businesses.

    If your winery or vineyard is discussing potential financing with one of 26 NJEDA’s Premier Lender banks, NJEDA’s participation or guarantee of a portion of the financing can lower the cost of borrowing for your business.

    Click here for more information about the Premier Lender Program.


    Access is a pilot lending program that provides financing to small businesses in New Jersey - either in the form of direct loans through NJEDA, or through loan participations or guarantees in partnership with an NJEDA Premier Lender. 

    Access is different from other NJEDA financing programs in that it provides greater flexibility to borrowers by placing greater emphasis on the borrower’s cash flow and less emphasis on hard collateral.

    Click here for more information about Access.


    Direct Loans / Small Business Fund:

    New Jersey businesses in need of financing and committed to job creation/retention may be eligible for direct loans through the NJEDA when conventional financing is not available. Creditworthy small, minority-owned or women-owned businesses in New Jersey that have been in operation for at least one full year and may not have the ability to get bank financing, or not-for-profit corporations that have been operating for at least three full years, may be eligible for assistance under the Small Business Fund.

    Click here for more information about Direct Loans / Small Business Fund.

    Projects utilizing NJEDA financial assistance for construction related costs are subject to state prevailing wage requirements.
    Effective April 1, 2020 all construction contracts in which prevailing wage applies must provide proof of valid NJ Department of Labor Construction Registration Certification. Please email PWCR@dol.nj.gov if you have any questions about this requirement. Please be advised that a valid Contractor Registration Certificate is required to perform construction on this NJEDA financially assisted project.