How Much Can Beer and Ale Wholesalers Businesses Get in SBA Loans?
273 SBA loans totaling $96.7M have been approved for beer and ale wholesalers businesses (NAICS 422810). The average approved SBA loan is $354K, which is 4% above avg the $340K national average. 112 active lenders fund this industry with a 5.2% default rate on the matured 2018-2021 loan cohort.
At 5.2%, Beer and Ale Wholesalers sits well below the 15.4% all-industry SBA default rate (charged-off as a share of resolved loans) — low default risk relative to other SBA industries. Lenders price this risk into rate and structure, which is why matching the file to the right lender matters.
NAICS 422810 (Beer and Ale Wholesalers) received 273 SBA loans worth $96.7M across 5+ states. Average loan $354K, average term 146 months, 5.2% default rate (resolved-loan basis).112 active SBA-approved lenders fund this industry. Most beer and ale wholesalers loans use the SBA 7(a) program. There are approximately 388,706 U.S. establishments in this industry (Census 2022).
Which SBA Program Do Beer and Ale Wholesalers Businesses Use Most?
What Is the Best SBA Loan for Beer and Ale Wholesalers?
The most widely used SBA program for beer and ale wholesalers businesses — flexible terms, multiple use cases
Where Are Beer and Ale Wholesalers SBA Loans Most Common?
Top SBA Lenders for Beer and Ale Wholesalers
These banks have funded the most SBA loans for beer and ale wholesalers businesses (NAICS 422810). PeerSense routes deals to lenders with proven appetite in your industry.
| # | Lender | Loans | Volume |
|---|---|---|---|
| 1 | Wells Fargo Bank National Association(SD) | 22 | $6.7M |
| 2 | PNC Bank, National Association(DE) | 16 | $2.8M |
| 3 | Bank of America, National Association(NC) | 15 | $3.5M |
| 4 | Manufacturers and Traders Trust Company(NY) | 10 | $2.4M |
| 5 | U.S. Bank, National Association(OH) | 9 | $3.9M |
Beer and Ale Wholesalers Industry Context
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How Does SBA Lending Work for Beer and Ale Wholesalers Businesses?
Across all SBA loan programs, 273 loans have been approved for businesses classified under NAICS 422810 (Beer and Ale Wholesalers), representing $96.7M in total capital deployed. The average approved loan of $354K is 4% above avg the national SBA average of $340K, with typical repayment terms of 146 months.
SBA lending for beer and ale wholesalers has remained relatively stable across recent fiscal years. 112 active lenders continue funding this sector, providing consistent access to capital for both new ventures and established businesses looking to expand.
The industry sees a balanced mix of SBA programs, with 15% of loans using the 504 program for fixed asset acquisition and the majority using 7(a) for its flexibility across working capital, equipment, and business acquisition uses. SBA 7(a) loans offer up to $5M with terms up to 25 years for real estate.
PeerSense specializes in matching beer and ale wholesalers business owners with the capital sources most likely to approve their specific deal structure. As an advisory firm (not a lender), we structure your deal across our network of 500+ SBA-approved lenders to find the best terms — our referral fee is established upfront and paid at closing. No retainers.
Frequently Asked Questions — Beer and Ale Wholesalers SBA Loans
What is the average SBA loan size for beer and ale wholesalers businesses?
Which SBA loan program is best for a beer and ale wholesalers business?
How many lenders fund SBA loans for beer and ale wholesalers?
What states have the most SBA lending for beer and ale wholesalers?
How does PeerSense help beer and ale wholesalers businesses get SBA loans?
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Data aggregated from SBA loan records (1992–2025). Beer and Ale Wholesalers defined by NAICS code 422810. Not financial advice. PeerSense is a capital advisory firm, not a lender. Consult a lending professional before making financial decisions.