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.

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
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

Approvals by fiscal year

’10

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Loan count. Final bar is a partial fiscal year.

Loan sizes

Under $50K
11%
$50K - $150K
18%
$150K - $350K
25%
$350K - $1M
32%
$1M - $2M
10%
Over $2M
4%

Nearby

Other retail industries

See the sector

Gasoline Stations with Convenience Stores9,734 · $788,400 Supermarkets and Other Grocery Retailers7,314 · $350,000 Pharmacies and Drug Stores4,651 · $350,000 Convenience Stores4,629 · $179,100 Used Car Dealers4,422 · $227,750 Automotive Parts and Accessories Stores2,779 · $181,100 Beer, Wine, and Liquor Retailers2,760 · $500,000 All Other Specialty Food Stores2,624 · $150,000

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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