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West Virginia Brewery, Big Timber Brewing Company, receives SBA Express Loan through Citizens Bank of West Virginia to expand production

Karen Friel, WVDO District Director; Matt Kwasniewski, Big Timber Brewing Company Co-Owner;  Rick Haney, WVDO Lender Relations Specialist;  Frank Hinzman, Senior Vice President & Chief Lending Officer for Citizens Bank of West Virginia

Matt Kwasniewski knows beer…he also knows business. Kwasniewski is an alumnus of West Virginia University’s College of Business & Economics, graduating in 2008 with a degree in finance. The global financial crisis made it difficult for a new graduate to obtain a position in finance and Kwasniewski ended up traveling to Montana to start his post college career. 

Kwasniewski was always interested in the brewing process, and the craft brew atmosphere of Montana helped intrigue the idea of turning his passion for craft beer into a business.  

Kwasniewski returned to Elkins, West Virginia in 2011 to make his dream of starting his own craft brewery into a reality. He enlisted the help of his wife, Ashley Kwasniewski, his friend Samuel Mauzy, and his sister Amber Kwasniewski to open and operate Big Timber Brewing Company.

The team, like many other new small businesses, struggled in the beginning to secure financing. Once capital was obtained they were able to open operations in 2014. They began production, saw quick success, and their brew can now be found throughout West Virginia. Their rapid success made it difficult to keep up with production in the current facility as they quickly ran out of space to house the amount of machinery needed to fulfill orders.

The team started searching for a larger location and found a perfect site just down the street from their current facility. However, this put them back on the hunt for financing.

That is when Frank Hinzman, Senior Vice President and Chief Lending Officer, of Citizens Bank of West Virginia stepped in. “I knew Citizens Bank could help fund this small business,” stated Hinzman. “The business is fairly new, so to mitigate some of the risk of the loan, we utilized the Small Business Administration’s express loan program.”

“With the SBA loan guarantee from Citizens Bank we’ll be able to purchase the new facility that will allow us to increase our production by four times what we are doing now,” states Kwasniewski.

The SBAExpress loan program features a quick turnaround time putting the capital in the small businesses hands faster. The program is available to lenders as a way to obtain a guaranty on smaller loans up to $350,000. The program authorizes select, experienced lenders to use mostly their own forms, analysis and procedures to process, structure, service, and disperse SBA guaranteed loans. For more information on SBA’s loan guarantee programs visit

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This article does not constitute or imply an endorsement by SBA of any opinions, products or services of any private individual or entity. All of SBA’s programs and services are extended to the public on a non-discriminatory basis. The SBA is an independent federal agency, created in 1953, to assist small businesses start, grow, and prosper. The SBA provides financial assistance by: (1) making loans to help families and businesses recover from national disasters and (2) providing loan guarantees to commercial financial institutions for working capital (7a loans),  building/land/equipment (504 loans through the Certified Development Corporations), and for exports. Through our resource partners, the SBA also offers a variety of business development program and services such as training, government contracting and export assistance. SBA resource partners include Small Business Development Centers and SCORE (Counselors to America’s Small Businesses). For information on the SBA’s programs and services contact us at 304-623-5631 or

Company Name: 
Big Timber Brewing Company
Elkins, WV
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