Thanks to a forum post I found somewhere in the general forum, I'm able to run winscp from the command line with the following script that I called "winscp.sh". Adjust exe_dir as needed to match where you put WinSCP.com in your bottle (see full_exe_path).
#!/bin/sh
# Where you keep CrossOver
crossover="/Applications/CrossOver.app"
bottle="WinSCP"
exe_dir="windows"
exe_name="WinSCP.com"
open "$crossover"
export DISPLAY=:`defaults read com.codeweavers.CrossOver Display`
export DYLD_FALLBACK_LIBRARY_PATH="$crossover/Contents/SharedSupport/X11/lib:$HOME/lib:/lib:/usr/lib:/usr/X11/lib"
export FONT_ENCODINGS_DIRECTORY="$crossover/Contents/SharedSupport/X11/lib/X11/fonts/encodings/encodings.dir"
export FONTCONFIG_PATH="$crossover/Contents/SharedSupport/X11/etc/fonts"
export FONTCONFIG_ROOT="$crossover/Contents/SharedSupport/X11"
export VERSIONER_PERL_PREFER_32_BIT=yes
export CX_BOTTLE="$bottle"
export PATH="$crossover/Contents/SharedSupport/CrossOver/bin:$PATH"
# Uncomment this if you need to be in the bottle's C: drive directory
#cd "$HOME/Library/Application Support/CrossOver/Bottles/$bottle/drive_c/Program Files/$exe_dir"
#full_exe_path="$HOME/Library/Application Support/CrossOver/Bottles/$bottle/drive_c/Program Files/${exe_dir}/${exe_name}"
full_exe_path="$HOME/Library/Application Support/CrossOver/Bottles/$bottle/drive_c/${exe_dir}/${exe_name}"
# This picks up the wine binary from newly modified PATH
wine ${full_exe_path} $@