17,295 SBA loans totaling $6.7B have been approved for beer, wine, and liquor stores businesses (NAICS 445310). The average approved SBA loan is $388K, which is 14% above avg the $340K national average. 1210 active lenders fund this industry with a 7.7% historical default rate.
The most widely used SBA program for beer, wine, and liquor stores businesses — flexible terms, multiple use cases
PeerSense places SBA loans for beer, wine, and liquor stores businesses nationwide. We match you with the right capital source — no retainers, referral fee at closing.
Retainers
Down with SBA 7(a)
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Across all SBA loan programs, 17,295 loans have been approved for businesses classified under NAICS 445310 (Beer, Wine, and Liquor Stores), representing $6.7B in total capital deployed. The average approved loan of $388K is 14% above avg the national SBA average of $340K, with typical repayment terms of 137 months.
SBA lending for beer, wine, and liquor stores has contracted approximately 83% over recent fiscal years. This shift may reflect changing market conditions, industry consolidation, or tightening credit standards in this sector. However, 1210 lenders remain active, maintaining competitive options for qualified borrowers.
The overwhelming majority of SBA lending for beer, wine, and liquor stores uses the 7(a) program, which provides the most flexibility — covering working capital, equipment purchases, partner buyouts, debt refinancing, and business acquisitions up to $5M with terms up to 25 years.
PeerSense specializes in matching beer, wine, and liquor stores 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.
Gasoline Stations with Convenience Stores
Supermarkets and Other Grocery (except Convenience) Stores
Convenience Stores
Used Car Dealers
Pharmacies and Drug Stores
Automotive Parts and Accessories Stores
Data aggregated from SBA loan records (1992–2025). Beer, Wine, and Liquor Stores defined by NAICS code 445310. Not financial advice. PeerSense is a capital advisory firm, not a lender. Consult a lending professional before making financial decisions.