MGM Wine & Spirits
The total investment to open a MGM Wine & Spirits franchise ranges from $50,000 to $939,000. The initial franchise fee is $50,000. Ongoing royalties are 2.8% plus a 2.8% advertising fee.
What is the MGM Wine & Spirits franchise?
MGM Wine & Spirits is a store that sells beer, wine and liquor to customers. Estimated total initial investment is $50,000 to $939,000, and the initial franchise fee is the same as the low end of that range, according to the 2024 Franchise Disclosure Document.
The royalty is 2.8 percent of sales, and the advertising or brand fund fee is 2.8 percent. The franchise agreement term is 20 years.
The company was founded in 1970 and is headquartered in Plymouth, Minnesota.
Loan Activity Score
67/100
SBA Default Rate
0.0%
Active Lenders
13
According to its Franchise Disclosure Document or public business records, MGM Wine & Spirits has 13 locations, all owned by franchisees. Public SBA loan records show 13 lenders made 17 loans to franchisees of MGM Wine & Spirits. PeerSense calculates MGM Wine & Spirits's score as 67 out of 100, using public SBA loan performance and recent lending activity. Cost figures are based on the 2024 Franchise Disclosure Document. To correct a figure, email the current FDD and the differing item numbers to info@peersense.com, and this page will be updated.
Franchising since 1970 · 13 locations
$50,000 to $939,000
$50,000
13
13 franchised
Proprietary PeerSense metric
StrongDistinct lenders in public SBA records for MGM Wine & Spirits
17
Total SBA loans
$507K
Average loan size
Source: public SBA 7(a) and 504 loan records through December 31, 2025
Referral fee at closing
SBA Lending Activity for MGM Wine & Spirits
Loan Activity Score Breakdown
Growing (10 to 24 loans)
Are lenders increasingly or decreasingly funding this brand? Growing trends score highest.
Blended default rate (recent + all time) compared to NAICS sector peers.
Quality lenders actively backing this brand, with penalty for lender pullback.
FDD availability, Item 19 disclosure, and overall data completeness.
Geographic spread of SBA funded locations across states.
SBA Lending Performance
SBA Default Rate
0.0%
vs 9.4% peer avg
SBA Loans
17
Total Volume
$8.6M
Active Lenders
13
2 selective
States
1
vs. SBA Sector Average
SBA loan default rate vs. all franchises in the same NAICS sector, not limited to direct competitors
Key Highlights
Franchise Financing Resources
Data Insights
Key performance metrics for MGM Wine & Spirits based on SBA lending data
SBA Default Rate
0.0%
9.4% below peer avg
SBA Loan Volume
17 loans
Across 13 lenders
Lender Diversity
13 lenders
Avg 1.3 loans per lender
Investment Tier
Significant investment
$50,000 to $939,000 total
MGM Wine & Spirits: Deep SBA Data
Brand specific metrics derived directly from SBA 7(a) approval records: peak lending year, leading state, average loan size, and lender concentration. PeerSense computes these per brand so capital advisors and prospective franchisees can benchmark this opportunity against the rest of the franchise universe.
Peak SBA Year
2022
4 approvals. The best year on record for MGM Wine & Spirits.
Top SBA State
Minnesota
17 SBA financed MGM Wine & Spirits locations, the densest operator footprint.
Average Loan Size
$507K
Median $429K. Use as a sizing anchor when modeling your own MGM Wine & Spirits unit.
Lender Concentration
41.2%
Concentrated
Share of MGM Wine & Spirits approvals captured by the top 3 SBA lenders.
MGM Wine & Spirits's SBA lending pipeline peaked in 2022 (4 approvals). The last five fiscal years account for 76% of cumulative volume ($7.3M approved). Operator density is highest in Minnesota with 17 SBA financed locations. Average funded ticket sits at $507K, with the median at $429K. Lender mix is concentrated: the top three SBA lenders account for 41.2% of approvals. Credit decisions concentrate with a small group of incumbents.
Payment Estimator
Estimated Monthly Payment
$518
Principal & Interest only
Indicative only, as of October 1, 2026. Not a quote, commitment or offer of credit. Final pricing, leverage and terms are determined by the lender at underwriting, after full transaction materials are reviewed. PeerSense sources the file. The lender sets pricing. What these terms mean.
Locations
MGM Wine & Spirits, unit breakdown
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Scan Your Deal Instantly3 FDDs Available for 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
Last reviewed LinkedIn profileAbout Edward Freeman