Food and Beverage Loans

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Financing for Food and Beverage Processors


Craft3 knows that local food and beverage processors are vitally important to a thriving regional economy. We also understand that you need flexible capital to take advantage of opportunities and act on good ideas. 

Our lending team has deep experience working with and financing food and beverage businesses. We take the time to get to know you and make sure we understand the opportunity, the risks, and how you’ll repay the loan.   

As a non-profit, mission-driven lender, we’re different. We specialize in working with businesses that can’t access traditional bank financing. And we understand that many capable entrepreneurs with strong businesses lack the credit, equity and/or collateral needed to access conventional financing.

We can provide financing for a variety of uses, including:

working capital
equipment delivery
Working Capital

A revolving line of credit to support growth of accounts receivable and inventory. Learn more. 


Term loans to finance equipment and facilities.

Real Estate

Term loans for commercial real estate.


Not sure if you're ready to apply? We can help!



Getting Loan Ready Toolkit

Download this toolkit to help you determine whether you’re ready to apply for a loan and if you are, learn what to expect and how to prepare to talk to a lender.

Business Resources Webpage

We support entrepreneurs at all stages of the business journey and offer resources to help you learn, grown, and better understand your financing options.

Rates and Terms*

*Entrepreneur of color-owned businesses may qualify for lower rates and special terms.

Loan Size  Up to $250,000* $250,000 to $10 million
Rates Fixed rates from 8%-10.99%
Fixed rates from 7%-10.99%
Fees Loan origination fee of 2% of loan total plus closing costs
Fees for non-profits are 1% plus closing costs
Closing costs $650 plus any 3rd party fees for appraisal, legal, etc.
Term 3-7 years with longer amortizations possible

Repayment terms

Normal principal and interest payments each month. Interest-only payments are possible for first 3 months


Obtaining a business loan is more involved than taking out a home mortgage. At Craft3, we support entrepreneurs every step of the way. Below you can see the main steps in the process.
apply online
Introduce Your Business
Complete a brief online form to help us learn about you and your business. We can then determine whether Craft3 financing might be a good fit for you.
Talk with our Lending Team
If it looks like a potential fit, a Craft3 lender will reach out to talk about your intake form and determine whether we can proceed. At this stage, topics of discussion may include: your business plan, uses of funds, projections, and collateral. Put simply, we want to learn who are you, what you want to do with the funds and how will you pay the loan back.
submit application
Work with one of our lenders to complete and submit your full loan application package.
Application Review
We’ll review your full application package and give your request the careful attention it deserves. The review process usually takes 1-2 weeks, although sometimes it can be longer.
review process
Funding Decision
You’ll receive a decision from us and, if you receive a conditional approval, we’ll tell you what closing conditions are required to close your loan.
Hand Money
When closing conditions are met, we disburse the funds.
Repay your loan with automated payments from your bank account.