Refinance/Cash-Out for Vineyard Business Operating Expenses

Marquee Funding Group Funds $5,500,000 Vineyard Refinance and Cash-Out Loan in Napa, CA.

Marquee Funding Group recently funded a $5,500,000 refinance and cash-out loan for a vineyard property in Napa, California, providing the borrower with vital capital to cover ongoing business operating expenses. This transaction highlights Marquee’s ability to support California’s agricultural economy by tailoring private money solutions that traditional lenders often cannot match.

Structured in a first trust deed position, the loan carried an attractive interest rate of 8.75% and a notably conservative loan-to-value ratio of 36.67%. This low LTV not only provided a strong equity cushion for investors but also allowed the borrower to unlock significant liquidity while maintaining long-term stability for their vineyard operations.

For vineyard owners, operational expenses can be highly seasonal and unpredictable, with cash flow tied closely to harvest cycles and market demand. By structuring this refinance and cash-out, Marquee Funding Group ensured that the borrower could access much-needed working capital without jeopardizing ownership of valuable land assets in one of California’s most prestigious wine-producing regions.

The deal was originated by Scot R. Fine, whose experience in structuring complex high-value transactions allowed the loan to be executed efficiently. His ability to balance borrower needs with investor protections ensured that both parties benefitted from the arrangement.

This transaction reflects Marquee’s ongoing commitment to providing customized lending solutions for unique property types, from vineyards and agricultural assets to residential and commercial real estate. By leveraging private money flexibility, Marquee continues to bridge financing gaps and support industries that are the backbone of California’s economy.

For borrowers in specialized markets such as wine country, Marquee Funding Group delivers more than just financing—it provides strategic capital solutions that empower businesses to thrive and grow.