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NAICS 445310 · Retail
SBA loans for beer, wine, and liquor stores
8,158 SBA loans worth $4.32B have been approved in this industry since FY2010 - the #24 most-financed NAICS code in the country.
Median loan
$300,000
+67% vs all industries
Typical range
$36K-$1.3M
Middle 80%
Median rate
6.00%
7(a) initial note rate
Median term
10 yr
Charge-off rate
4.7%
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 | Share |
|---|---|---|---|
| Metro City Bank | 237 | $472.5M | |
| Hanmi Bank | 485 | $342.1M | |
| Bank of Hope | 687 | $306.6M | |
| Open Bank | 186 | $152.8M | |
| PCB Bank | 276 | $139.8M | |
| Fulton Bank | 100 | $131.1M | |
| Provident Bank | 166 | $113.3M | |
| The Huntington National Bank | 418 | $93.9M | |
| Wells Fargo Bank | 267 | $90.3M | |
| Byline Bank | 110 | $90.0M |
Geography
Where these loans were made
| State | Loans | Share |
|---|---|---|
| California | 1,556 | |
| Colorado | 794 | |
| New York | 736 | |
| New Jersey | 565 | |
| Georgia | 513 | |
| Michigan | 437 | |
| Massachusetts | 398 | |
| Texas | 284 |
An SBA 7(a) lender for loans this size
54% of the SBA loans approved in beer, wine, and liquor stores since FY2010 were under $350,000. SmartBiz makes SBA 7(a) loans up to $500,000. It is shown here as a separate, labelled option, outside the data rankings on this page. You apply on their site - we do not take applications and never see your information.
Check options with SmartBizWe may be paid if you apply through this link. It does not change what we publish, and no lender can buy a place in our rankings. Details.
Approvals by fiscal year
Loan count. Final bar is a partial fiscal year.
Loan sizes
- Under $50K11%
- $50K - $150K18%
- $150K - $350K25%
- $350K - $1M32%
- $1M - $2M10%
- Over $2M4%
Franchise brands in Beer, Wine, and Liquor Stores
| Franchise brand | Loans | Approved | Share |
|---|---|---|---|
| Mgm Liquor | 20 | $14.7M | |
| MGM Wine & Spirits | 9 | $2.9M | |
| Craft Beer Cellar | 7 | $594K | |
| The Casual Pint | 3 | $1.1M | |
| Marco's Pizza | 1 | $305K | |
| Massage Heights | 1 | $390K | |
| Pita Pit | 1 | $225K | |
| World Fuel Services Inc. | 1 | $443K | |
| Next Level Petroleum | 1 | $300K |
Brands with the most SBA loans recorded under this NAICS code, among brands with at least 10 loans in the file.
Nearby
Other retail industries
Common questions
- How much do SBA lenders typically lend to a beer, wine, and liquor stores business?
- The median SBA approval in NAICS 445310 is $300,000, with the middle 80% of loans between $36,000 and $1,262,500. Across all industries the median is $180,000.
- Which lenders are most active in beer, wine, and liquor stores?
- By dollars approved: Metro City Bank, Hanmi Bank, Bank of Hope, Open Bank, PCB 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 beer, wine, and liquor stores considered a risky industry by SBA lenders?
- Of FY2010-FY2019 approvals in this industry that have reached a terminal status, 4.7% were charged off, versus 7.6% across all SBA lending. That is below average, which generally makes lenders more comfortable with the sector.
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