Mgm Wine Spirits vs WINESTYLES
Mgm Wine Spirits vs WINESTYLES: Mgm Wine Spirits costs $50K to $939K to open; WINESTYLES costs $85K to $268K. Mgm Wine Spirits has 13 units, WINESTYLES has 26. SBA loan history: Mgm Wine Spirits = 17 loans (0.0% 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 Wine Spirits 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 Wine Spirits requires the lower minimum capital commitment ($50K vs $85K for WINESTYLES), a 41% spread. Initial franchise fees come in at $50K for Mgm Wine Spirits versus $74K for WINESTYLES, Mgm Wine Spirits has the lower entry fee. Ongoing royalty load is 2.8% for Mgm Wine Spirits and 6% for WINESTYLES, giving Mgm Wine Spirits the lighter per-unit drag on operating income.
System Scale & Tenure
On scale, WINESTYLES operates 26 units to Mgm Wine Spirits's 13. Mgm Wine Spirits has been operating 56 years (founded 1970) versus 24 for WINESTYLES (founded 2002), a 32-year tenure gap that affects unit-economics maturity and FDD revision history.
SBA Lending Profile
WINESTYLES has the deeper SBA lending track record, with 32 7(a) approvals compared with 17 for Mgm Wine Spirits. Mgm Wine Spirits's peak SBA year was 2022 (4 loans); WINESTYLES's peak was 2007 (8 loans). Mgm Wine Spirits's more recent peak generally indicates fresher lender appetite. Mgm Wine Spirits has the most SBA funded units in MN, with 17. WINESTYLES leads in TX, with 7. Borrowers should pick the brand whose strongest SBA state matches their own state for warmer lender introductions. Average SBA loan size on funded Mgm Wine Spirits deals is $507K vs $178K for WINESTYLES, useful as a sizing anchor when modeling your own unit.
Risk Signal
SBA default rates are 0.0% for Mgm Wine Spirits and 37.5% for WINESTYLES, Mgm Wine Spirits has the cleaner SBA loss record by 37.5 points. PeerSense FPI scores come in at 67 (Strong) for Mgm Wine Spirits and 21 (Fair) for WINESTYLES, giving Mgm Wine Spirits the stronger composite signal across SBA performance, lender appetite, and operational consistency.
Health & Performance
FPI Score | 67/100 | 21/100 |
Health Tier | Strong | Limited |
Confidence | N/A | N/A |
Lending Trend | Stable | Declining |
SBA Lending
SBA Loans | 17 | 32 |
SBA Volume | – | – |
Default Rate | 0.0% | 37.5% |
Peer Tier | growing | established |
Investment & Costs
Total Investment | $50K to $939K | $85K to $268K |
Franchise Fee | $50K | $74K |
Royalty Rate | 2.8% | 6% |
Ad Fund | 2.8% | 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 | 13 | 26 |
Franchised Units | 13 | 26 |
Company Owned | – | – |
Term Length | 20 yrs | 10 yrs |
Brand Information
Year Founded | 1970 | 2002 |
Franchising Since | 1995 | N/A |
Years Franchising | 31 yrs | N/A |
Headquarters | Plymouth, MN | SAN ANTONIO, TX |
Category | Beer, Wine, | Beer, Wine, |
Website | ||
FDD Year | 2024 | 2023 |
Which Is Better, Mgm Wine Spirits or WINESTYLES?
Lower upfront capital required
Mgm Wine Spirits
Mgm Wine Spirits: $50K starting · WINESTYLES: $85K starting
More SBA lender confidence
WINESTYLES
Mgm Wine Spirits: 17 SBA loans · WINESTYLES: 32 SBA loans
Lower SBA default rate
Mgm Wine Spirits
Mgm Wine Spirits: 0.0% · WINESTYLES: 37.5%
Larger system & brand presence
WINESTYLES
Mgm Wine Spirits: 13 units · WINESTYLES: 26 units
Lower ongoing royalty load
Mgm Wine Spirits
Mgm Wine Spirits: 2.8% · WINESTYLES: 6%
More lender financing options
WINESTYLES
Mgm Wine Spirits: 13 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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Mgm Wine Spirits vs WINESTYLES: Franchise Funding Comparison
Comparing Mgm Wine Spirits and WINESTYLES 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 Wine Spirits has 17 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 Wine Spirits vs WINESTYLES, Frequently Asked Questions
Which is a better franchise investment, Mgm Wine Spirits or WINESTYLES?
How much does a Mgm Wine Spirits franchise cost compared to WINESTYLES?
Can I finance Mgm Wine Spirits or WINESTYLES with an SBA loan?
Which has a lower SBA default rate, Mgm Wine Spirits 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; 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