How much do SBA lenders typically lend to a wine and distilled alcoholic beverage merchant wholesalers business?

The median SBA approval in NAICS 424820 is $125,000, with the middle 80% of loans between $20,000 and $750,000. Across all industries the median is $180,000.

Which lenders are most active in wine and distilled alcoholic beverage merchant wholesalers?

By dollars approved: Live Oak Banking Company, KeyBank, The Huntington National Bank, Newtek Bank, JPMorgan Chase Bank. A lender's experience in your NAICS code matters - underwriters who have seen a hundred deals like yours ask better questions and move faster.

Is wine and distilled alcoholic beverage merchant wholesalers considered a risky industry by SBA lenders?

Of FY2010-FY2019 approvals in this industry that have reached a terminal status, 7.9% were charged off, versus 7.6% across all SBA lending. That is close to average.

NAICS 424820 · Wholesale

SBA loans for wine and distilled alcoholic beverage merchant wholesalers

836 SBA loans worth $282.6M have been approved in this industry since FY2010 - the #230 most-financed NAICS code in the country.

Median loan

$125,000

-31% vs all industries

Typical range

$20K-$750K

Middle 80%

Median rate

7.25%

7(a) initial note rate

Median term

10 yr

Charge-off rate

7.9%

vs 7.6% all industries

Source: U.S. Small Business Administration, SBA 7(a) and 504 FOIA data, as of 2026-06-30. Approvals from FY2010 onward. How we calculate this.

Lenders

Most active in this industry

Lender	Loans	Approved
Live Oak Banking Company	15	$17.5M
KeyBank	24	$12.1M
The Huntington National Bank	35	$10.7M
Newtek Bank	22	$9.6M
JPMorgan Chase Bank	55	$7.8M
PCB Bank	2	$7.2M
Wells Fargo Bank	44	$6.9M
TD Bank	37	$6.3M
Mortgage Capital Development Corporation	8	$6.2M
Banco Popular de Puerto Rico	12	$5.5M

Geography

Where these loans were made

State	Loans	Share
California	137
New York	99
Florida	59
Texas	51
Illinois	38
Pennsylvania	32
Washington	29
Ohio	25

Approvals by fiscal year

’10

’11

’12

’13

’14

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’16

’17

’18

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’20

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’26

Loan count. Final bar is a partial fiscal year.

Loan sizes

Under $50K
23%
$50K - $150K
30%
$150K - $350K
23%
$350K - $1M
15%
$1M - $2M
5%
Over $2M
4%

Nearby

Other wholesale industries

See the sector

Other Miscellaneous Durable Goods Merchant Wholesalers4,432 · $296,000 Other Miscellaneous Nondurable Goods Merchant Wholesalers3,598 · $270,000 Other Grocery and Related Products Merchant Wholesalers2,289 · $150,000 Medical, Dental, and Hospital Equipment and Supplies Merchant Wholesalers1,953 · $150,000 Industrial Machinery and Equipment Merchant Wholesalers1,918 · $300,000 Sporting and Recreational Goods and Supplies Merchant Wholesalers1,706 · $191,750 Wholesale Trade Agents and Brokers1,547 · $180,000 Recyclable Material Merchant Wholesalers1,450 · $350,000

Common questions

How much do SBA lenders typically lend to a wine and distilled alcoholic beverage merchant wholesalers business?: The median SBA approval in NAICS 424820 is $125,000, with the middle 80% of loans between $20,000 and $750,000. Across all industries the median is $180,000.
Which lenders are most active in wine and distilled alcoholic beverage merchant wholesalers?: By dollars approved: Live Oak Banking Company, KeyBank, The Huntington National Bank, Newtek Bank, JPMorgan Chase Bank. A lender's experience in your NAICS code matters - underwriters who have seen a hundred deals like yours ask better questions and move faster.
Is wine and distilled alcoholic beverage merchant wholesalers considered a risky industry by SBA lenders?: Of FY2010-FY2019 approvals in this industry that have reached a terminal status, 7.9% were charged off, versus 7.6% across all SBA lending. That is close to average.

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