Illinois Craft Distillery Financing

Illinois Craft Distillery Loans | SBA & Conventional Financing

US Professional Funding provides Illinois craft distillery financing for owners, buyers, and operators across the state. SBA and conventional options are both available. Funding can support acquisitions, start-up costs, expansion, equipment, and working capital.

Illinois’s craft spirits market benefits from a large Chicago metro market and a well-established craft spirits culture. Distilleries in the state often need financing that reflects these local conditions.

Craft distilleries across Illinois have financing needs shaped by production capacity, tasting-room traffic, and aging timelines. Raw materials, payroll, and distribution costs are also significant considerations. These must be managed alongside growth, such as additional barrel storage or expanded tasting-room space.

USPF evaluates each Illinois craft distillery financing request individually. We consider the business, the purpose of the financing, and the transaction structure. This applies whether the goal is acquiring an existing distillery, launching a new one, or funding equipment and facility needs.

Craft distillery acquisition financing for purchasing an established distillery
Start-up financing for new distilleries and tasting rooms
Expansion and real estate financing for facility growth and tasting-room improvements
Equipment financing and leasing for stills, fermentation tanks, and bottling lines
Refinancing and debt consolidation for existing distillery debt
Working capital and lines of credit for raw materials, payroll, and distribution
Merchant cash advance financing for seasonal cash-flow needs

Craft Distillery Financing Across Illinois

Craft distilleries in Chicago, Aurora, Naperville, Peoria, and Rockford each face different market conditions. Production costs, tasting-room demand, and local competition all play a role. Distilleries in larger metro areas like Chicago often face higher facility and equipment costs. Distilleries in smaller communities may see a more localized customer base.

Regardless of market, Illinois craft distilleries frequently need capital. This can mean funding a distillery acquisition or launching a new tasting room. It can also mean securing working capital to cover raw materials, payroll, and distribution during growth.

Illinois Craft Distillery Acquisition Financing

Investors and operators acquiring an established Illinois distillery can use acquisition financing to fund the purchase price. This helps preserve working capital for staffing, inventory, and transition costs. USPF reviews the scope of the transaction, including existing production capacity, tasting-room performance, and brand strength.

Illinois Craft Distillery Start-Up Financing

New distilleries entering the Illinois market may require start-up financing. This can include still installation, facility build-out, licensing, and initial operating costs. USPF works with qualified borrowers to evaluate financing structures for a new distillery. This includes considering the owner’s experience and business plan.

Illinois Craft Distillery Expansion & Real Estate Financing

Growing Illinois distilleries often need capital for expansion or facility upgrades. Additional barrel storage and expanded tasting-room space are common goals too. Financing can also support real estate acquisition, construction, or major facility improvements.

Illinois Craft Distillery Equipment Financing & Leasing

Distilling equipment represents one of the largest investments an Illinois craft distillery makes. Equipment financing and leasing can help fund stills, column systems, fermentation tanks, mash equipment, bottling and labeling lines, and barrel aging infrastructure. USPF structures equipment financing around production goals and cash-flow needs, so distilleries can scale output without draining working capital.

Illinois Craft Distillery Refinancing & Working Capital

Existing distillery debt can also be refinanced or consolidated. Restructuring equipment loans, property debt, and short-term capital into a single facility can improve monthly cash flow. This frees up capital for raw materials, staffing, and reinvestment in production.

Cash-flow gaps are common in spirits production because of extended aging timelines. Merchant cash advance financing can provide additional working capital for raw materials, packaging, payroll, and tasting-room improvements during slower periods or ahead of peak demand.

Why Illinois Craft Distilleries Choose US Professional Funding

We offer:

Financing solutions structured around craft distillery acquisition and growth needs
SBA and conventional loan options for qualified Illinois borrowers
Experience with acquisition, start-up, expansion, equipment, and working capital financing
A transaction-specific evaluation process rather than a one-size-fits-all approach
More than three decades of commercial financing experience

Your Illinois Craft Distillery Financing Partner

Whether you are acquiring a distillery in Chicago, launching a new tasting room in Aurora, or upgrading your stills in Naperville, we can help. US Professional Funding offers Illinois craft distillery financing options suited to your specific distillery.

Contact Our Financing Team Today

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