MGM LIQUOR STORES vs WINESTYLES
MGM LIQUOR STORES vs WINESTYLES: MGM LIQUOR STORES costs $59K to $119K to open; WINESTYLES costs $85K to $268K. MGM LIQUOR STORES has 25 units, WINESTYLES has 26. SBA loan history: MGM LIQUOR STORES = 36 loans (16.7% default); WINESTYLES = 32 loans (37.5% 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 WINESTYLES: 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 LIQUOR STORES requires the lower minimum capital commitment ($59K vs $85K for WINESTYLES), a 30% spread. Initial franchise fees come in at $45K for MGM LIQUOR STORES versus $74K for WINESTYLES, MGM LIQUOR STORES has the lower entry fee. Ongoing royalty load is 4% for MGM LIQUOR STORES and 6% for WINESTYLES, giving MGM LIQUOR STORES the lighter per-unit drag on operating income.
System Scale & Tenure
On scale, WINESTYLES operates 26 units to MGM LIQUOR STORES's 25.
SBA Lending Profile
MGM LIQUOR STORES has the deeper SBA lending track record, with 36 7(a) approvals compared with 32 for WINESTYLES.
Risk Signal
SBA default rates are 16.7% for MGM LIQUOR STORES and 37.5% for WINESTYLES, MGM LIQUOR STORES has the cleaner SBA loss record by 20.8 points. PeerSense FPI scores come in at 28 (Fair) for MGM LIQUOR STORES and 21 (Fair) for WINESTYLES, giving MGM LIQUOR STORES the stronger composite signal across SBA performance, lender appetite, and operational consistency.
Health & Performance
FPI Score | 28/100 | 21/100 |
Health Tier | Limited | Limited |
Confidence | N/A | N/A |
Lending Trend | Declining | Declining |
SBA Lending
SBA Loans | 36 | 32 |
SBA Volume | – | – |
Default Rate | 16.7% | 37.5% |
Peer Tier | established | established |
Investment & Costs
Total Investment | $59K to $119K | $85K to $268K |
Franchise Fee | $45K | $74K |
Royalty Rate | 4% | 6% |
Ad Fund | 0.4% | 2% |
Liquid Capital | N/A | N/A |
Net Worth Required | N/A | N/A |
Financial Performance (Item 19)
Item 19 Status | Disclosed | Not Disclosed |
System Size & Operations
Total Units | 25 | 26 |
Franchised Units | 25 | 26 |
Company Owned | – | – |
Term Length | 10 yrs | 10 yrs |
Brand Information
Year Founded | N/A | 2002 |
Franchising Since | N/A | N/A |
Years Franchising | N/A | N/A |
Headquarters | N/A | SAN ANTONIO, TX |
Category | Beer, Wine, | Beer, Wine, |
Website | ||
FDD Year | 2026 | 2023 |
Which Is Better, MGM LIQUOR STORES or WINESTYLES?
Lower upfront capital required
MGM LIQUOR STORES
MGM LIQUOR STORES: $59K starting · WINESTYLES: $85K starting
More SBA lender confidence
MGM LIQUOR STORES
MGM LIQUOR STORES: 36 SBA loans · WINESTYLES: 32 SBA loans
Lower SBA default rate
MGM LIQUOR STORES
MGM LIQUOR STORES: 16.7% · WINESTYLES: 37.5%
Larger system & brand presence
WINESTYLES
MGM LIQUOR STORES: 25 units · WINESTYLES: 26 units
Lower ongoing royalty load
MGM LIQUOR STORES
MGM LIQUOR STORES: 4% · WINESTYLES: 6%
More lender financing options
WINESTYLES
MGM LIQUOR STORES: 12 unique lenders · WINESTYLES: 24 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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About These Franchises
MGM LIQUOR STORES vs WINESTYLES: Franchise Funding Comparison
Comparing MGM LIQUOR STORES and WINESTYLES is about more than brand preference. It's about which franchise fits your financial profile and funding strategy. Investment ranges from $59K to $268K.
MGM LIQUOR STORES has 36 SBA loans on record and WINESTYLES has 32. 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 WINESTYLES, Frequently Asked Questions
Which is a better franchise investment, MGM LIQUOR STORES or WINESTYLES?
How much does a MGM LIQUOR STORES franchise cost compared to WINESTYLES?
Can I finance MGM LIQUOR STORES or WINESTYLES with an SBA loan?
Which has a lower SBA default rate, MGM LIQUOR STORES or WINESTYLES?
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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; it does not lend, fund, or approve loans, and 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
Last reviewed LinkedIn profileAbout Edward Freeman