How much do SBA lenders typically lend to a beer, wine, and liquor retailers business?

The median SBA approval in NAICS 445320 is $500,000, with the middle 80% of loans between $50,800 and $1,800,000. Across all industries the median is $180,000.

Which lenders are most active in beer, wine, and liquor retailers?

By dollars approved: Metro City Bank, Hanmi Bank, Byline Bank, Commonwealth Business Bank, Open 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.

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NAICS 445320 · Retail

SBA loans for beer, wine, and liquor retailers

2,760 SBA loans worth $2.26B have been approved in this industry since FY2010 - the #87 most-financed NAICS code in the country.

Median loan

$500,000

+178% vs all industries

Typical range

$51K-$1.8M

Middle 80%

Median rate

9.50%

7(a) initial note rate

Median term

10 yr

Charge-off rate

Cohort too small

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	73	$208.5M
Hanmi Bank	193	$187.0M
Byline Bank	53	$77.4M
Commonwealth Business Bank	83	$67.6M
Open Bank	88	$67.5M
First Internet Bank of Indiana	51	$65.1M
Bank of Hope	80	$59.2M
PCB Bank	67	$50.6M
The Huntington National Bank	130	$49.2M
Celtic Bank Corporation	51	$44.3M

Geography

Where these loans were made

State	Loans	Share
California	514
Colorado	286
New York	218
Georgia	198
Michigan	179
New Jersey	164
Texas	137
Illinois	119

An SBA 7(a) lender for loans this size

35% of the SBA loans approved in beer, wine, and liquor retailers 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 SmartBiz

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Approvals by fiscal year

’19

’20

’21

’22

’23

’24

’25

’26

Loan count. Final bar is a partial fiscal year.

Loan sizes

Under $50K
5%
$50K - $150K
13%
$150K - $350K
18%
$350K - $1M
37%
$1M - $2M
19%
Over $2M
9%

Franchise brands in Beer, Wine, and Liquor Retailers

Franchise brand	Loans	Approved
MGM Wine & Spirits	7	$5.6M
Five Star Bath Solutions	2	$358K
The UPS Store	1	$518K

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

See the sector

Gasoline Stations with Convenience Stores9,734 · $788,400 Beer, Wine, and Liquor Stores8,158 · $300,000 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 All Other Specialty Food Stores2,624 · $150,000

Common questions

How much do SBA lenders typically lend to a beer, wine, and liquor retailers business?: The median SBA approval in NAICS 445320 is $500,000, with the middle 80% of loans between $50,800 and $1,800,000. Across all industries the median is $180,000.
Which lenders are most active in beer, wine, and liquor retailers?: By dollars approved: Metro City Bank, Hanmi Bank, Byline Bank, Commonwealth Business Bank, Open 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.

We are a publisher, not a lender or broker. We never take applications and are never paid by borrowers. Read the full disclosures.