WINESTYLES
The total investment to open a WINESTYLES franchise ranges from $84,700 to $268,000. The initial franchise fee is $73,585. Ongoing royalties are 6% plus a 2% advertising fee.
What is the WINESTYLES franchise?
WINESTYLES is a retail business selling beer, wine and liquor to customers. Estimated initial investment is $84,700 to $268,000, and the initial franchise fee is $73,585.
The royalty is 6 percent of sales, and the advertising or brand fund fee is 2 percent.
The franchise agreement term is 10 years. WINESTYLES is headquartered in SAN ANTONIO, TX, and was founded in 2002. Cost and fee figures are from the 2023 Franchise Disclosure Document.
Loan Activity Score
21/100
SBA Default Rate
37.5%
Active Lenders
24
According to its Franchise Disclosure Document or public business records, WINESTYLES has 26 locations, all owned by franchisees. Public SBA loan records show 24 lenders made 32 loans to franchisees of WINESTYLES. PeerSense calculates WINESTYLES's score as 21 out of 100, using public SBA loan performance and recent lending activity. Cost figures are based on the 2023 Franchise Disclosure Document.
Franchising since 2002 · 26 locations
$84,700 to $268,000
$73,585
26
26 franchised
Proprietary PeerSense metric
LimitedDistinct lenders in public SBA records for WINESTYLES
32
Total SBA loans
$178K
Average loan size
Source: public SBA 7(a) and 504 loan records through December 31, 2025
Referral fee at closing
SBA Lending Activity for WINESTYLES
Loan Activity Score Breakdown
Established (25 to 99 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
37.5%
vs 13.6% peer avg
SBA Loans
32
Total Volume
$5.7M
Active Lenders
24
3 selective
States
12
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 WINESTYLES based on SBA lending data
SBA Default Rate
37.5%
23.9% above peer avg
SBA Loan Volume
32 loans
Across 24 lenders
Lender Diversity
24 lenders
Avg 1.3 loans per lender
Investment Tier
Mid range investment
$84,700 to $268,000 total
WINESTYLES: 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
2007
8 approvals. The best year on record for WINESTYLES.
Top SBA State
Texas
7 SBA financed WINESTYLES locations, the densest operator footprint.
Average Loan Size
$178K
Median $164K. Use as a sizing anchor when modeling your own WINESTYLES unit.
Lender Concentration
21.9%
Moderately Spread
Share of WINESTYLES approvals captured by the top 3 SBA lenders.
WINESTYLES's SBA lending pipeline peaked in 2007 (8 approvals). Operator density is highest in Texas with 7 SBA financed locations. Average funded ticket sits at $178K, with the median at $164K. Lender mix is moderately spread: the top three SBA lenders account for 21.9% of approvals. Borrowers have leverage to shop multiple credit boxes.
Payment Estimator
Estimated Monthly Payment
$877
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
WINESTYLES, unit breakdown
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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