MGM LIQUOR STORES vs WINESTYLES
MGM LIQUOR STORES vs WINESTYLES: MGM LIQUOR STORES costs $59K–$119K to open; WINESTYLES costs $85K–$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, lower default rate, and lower royalty load is the safer financing bet, see the comparison below.
MGM LIQUOR STORES vs WINESTYLES: Capital, Scale & Lending Analysis
Data-driven differentiation pulled from 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 historical 7(a) approvals versus 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 historical loss profile 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 – $119K | $85K – $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 | Not 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 historical 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.
Both brands have active SBA lending histories, MGM LIQUOR STORES with 36 SBA loans and WINESTYLES with 32. This means proven lender acceptance and established underwriting paths for franchise buyers.
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
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