MGM LIQUOR STORES vs Mgm Wine Spirits
MGM LIQUOR STORES vs Mgm Wine Spirits: MGM LIQUOR STORES costs $59K to $119K to open; Mgm Wine Spirits costs $50K to $939K. MGM LIQUOR STORES has 25 units, Mgm Wine Spirits has 13. SBA loan history: MGM LIQUOR STORES = 36 loans (16.7% default); Mgm Wine Spirits = 17 loans (0.0% default). The franchise with more SBA funded units, a lower SBA default rate, and a lower royalty load is the safer financing bet; see the comparison below.
MGM LIQUOR STORES vs Mgm Wine Spirits: Capital, Scale & Lending Analysis
Analysis based on FDD filings and SBA 7(a) loan level data. Each pairing reflects a unique combination of capital intensity, system scale, and financing path.
Capital Intensity
Mgm Wine Spirits requires the lower minimum capital commitment ($50K vs $59K for MGM LIQUOR STORES), a 18% spread. Initial franchise fees come in at $45K for MGM LIQUOR STORES versus $50K for Mgm Wine Spirits, MGM LIQUOR STORES has the lower entry fee. Ongoing royalty load is 4% for MGM LIQUOR STORES and 2.8% for Mgm Wine Spirits, giving Mgm Wine Spirits the lighter per-unit drag on operating income.
System Scale & Tenure
On scale, MGM LIQUOR STORES operates 25 units to Mgm Wine Spirits's 13.
SBA Lending Profile
MGM LIQUOR STORES has the deeper SBA lending track record, with 36 7(a) approvals compared with 17 for Mgm Wine Spirits.
Risk Signal
SBA default rates are 16.7% for MGM LIQUOR STORES and 0.0% for Mgm Wine Spirits, Mgm Wine Spirits has the cleaner SBA loss record by 16.7 points. PeerSense FPI scores come in at 28 (Fair) for MGM LIQUOR STORES and 67 (Strong) for Mgm Wine Spirits, giving Mgm Wine Spirits the stronger composite signal across SBA performance, lender appetite, and operational consistency.
Health & Performance
FPI Score | 28/100 | 67/100 |
Health Tier | Limited | Strong |
Confidence | N/A | N/A |
Lending Trend | Declining | Stable |
SBA Lending
SBA Loans | 36 | 17 |
SBA Volume | – | – |
Default Rate | 16.7% | 0.0% |
Peer Tier | established | growing |
Investment & Costs
Total Investment | $59K to $119K | $50K to $939K |
Franchise Fee | $45K | $50K |
Royalty Rate | 4% | 2.8% |
Ad Fund | 0.4% | 2.8% |
Liquid Capital | N/A | N/A |
Net Worth Required | N/A | N/A |
Financial Performance (Item 19)
Item 19 Status | Disclosed | Disclosed |
System Size & Operations
Total Units | 25 | 13 |
Franchised Units | 25 | 13 |
Company Owned | – | – |
Term Length | 10 yrs | 20 yrs |
Brand Information
Year Founded | N/A | 1970 |
Franchising Since | N/A | 1995 |
Years Franchising | N/A | 31 yrs |
Headquarters | N/A | Plymouth, MN |
Category | Beer, Wine, | Beer, Wine, |
Website | ||
FDD Year | 2025 | 2024 |
Which Is Better, MGM LIQUOR STORES or Mgm Wine Spirits?
Lower upfront capital required
Mgm Wine Spirits
MGM LIQUOR STORES: $59K starting · Mgm Wine Spirits: $50K starting
More SBA lender confidence
MGM LIQUOR STORES
MGM LIQUOR STORES: 36 SBA loans · Mgm Wine Spirits: 17 SBA loans
Lower SBA default rate
Mgm Wine Spirits
MGM LIQUOR STORES: 16.7% · Mgm Wine Spirits: 0.0%
Larger system & brand presence
MGM LIQUOR STORES
MGM LIQUOR STORES: 25 units · Mgm Wine Spirits: 13 units
Lower ongoing royalty load
Mgm Wine Spirits
MGM LIQUOR STORES: 4% · Mgm Wine Spirits: 2.8%
More lender financing options
Mgm Wine Spirits
MGM LIQUOR STORES: 12 unique lenders · Mgm Wine Spirits: 13 unique lenders
Decision matrix uses publicly disclosed FDD and SBA loan data. Not a recommendation. Your best franchise depends on capital, market, operating capacity, and risk tolerance.
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MGM LIQUOR STORES vs Mgm Wine Spirits: Franchise Funding Comparison
Comparing MGM LIQUOR STORES and Mgm Wine Spirits is about more than brand preference. It's about which franchise fits your financial profile and funding strategy. Investment ranges from $50K to $939K.
MGM LIQUOR STORES has 36 SBA loans on record and Mgm Wine Spirits has 17. Those totals are cumulative history rather than a measure of current appetite. Recent lending activity is trending down for at least one of these brands, so current lender appetite has to be checked deal by deal rather than assumed from the totals.
SBA 7(a) loans are the most common franchise funding vehicle, offering up to $5M with as little as 10% down. PeerSense connects franchise buyers with the specific lenders who have approved loans for these brands, not generic referrals, but lenders with actual franchise lending track records.
Data sourced from SBA loan records, Franchise Disclosure Documents, and public filings. Updated regularly. Not financial advice, consult with a lending professional before making investment decisions.
MGM LIQUOR STORES vs Mgm Wine Spirits, Frequently Asked Questions
Which is a better franchise investment, MGM LIQUOR STORES or Mgm Wine Spirits?
How much does a MGM LIQUOR STORES franchise cost compared to Mgm Wine Spirits?
Can I finance MGM LIQUOR STORES or Mgm Wine Spirits with an SBA loan?
Which has a lower SBA default rate, MGM LIQUOR STORES or Mgm Wine Spirits?
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Page Review
Reviewed by Edward L. Freeman, Founder and Managing Director, PeerSense
- PeerSense is a capital advisory firm that places commercial financing with direct capital sources; the capital source sets final terms.
- Edward L. Freeman founded PeerSense in January 2020.
- He is a Registered Franchise Consultant with Business Alliance, Inc., a credential issued in March 2022, and worked as a franchise consultant there from March 2022 to May 2023.
- His recorded experience includes a $22 million SBA construction loan, with about $16 million funded on the deal.
- In the 12 months through September 30, 2026, PeerSense tracked 912 publicly announced financings with a disclosed size of $361.32 billion. PeerSense Capital Data Report · Methodology page
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