Food and Beverage Finance
From craft breweries scaling production to multinational processors upgrading entire facilities, we finance food and beverage the equipment and projects that feeds America. We know your business runs on razor-thin margins and unforgiving deadlines—and we structure capital accordingly.
Expertise Matters.
“Our co-packing facility needed to pivot from manual to fully automated packaging to land a major retail contract. The timeline was 12 weeks, not 12 months. First National understood that speed was essential to the survival of our food and beverage business. They funded $14 million for a complete packaging line, robotic palletizers, and warehouse automation. We were running product two weeks before our deadline. That contract changed everything for us.”
Funding What Feeds America
Food and beverage operations exist in a world of perishable inventory, seasonal swings, and consumer trends that change overnight. You’re simultaneously managing USDA compliance, retailer demands, and supply chains that span continents. Banks see risk in your reality. We see opportunity in your agility.
Beyond The Limits of Traditional Lending
Your food and beverage business doesn’t pause for harvest seasons, promotional windows, or sudden ingredient shortages. Neither should your capital partner. We structure financing around crop cycles, retail resets, and the relentless pace of perishable goods.
Straightforward capital deployment for transaction sizes from $500,000 to $250,000,000+
Risk-based pricing yielding highly competitive rates for strong and challenged-credit scenarios.
Terms from 24 to 180 months depending on assets financed with amortizations up to 20 years or more.
Wider credit appetite born from balance sheet strength and extensive 3rd party institutional funding relationships
Non-dilutive, high capacity financing with no covenants and flexible collateral requirements
Full complement of operating lease, capital lease and loan structures, including sales-leaseback and refinance options.
Food and Beverage Project and Equipment Financing:
Modern food and beverage production demands sophisticated technology and automation investments at every step from raw materials to retail shelf. These are the critical equipment categories that keep America’s food supply safe, efficient, and profitable.
It All Begins With A Conversation
We listen. We live out-of-the-box. We solve problems. And we get deals done. Let’s do this.