How Much Can Beer, Wine, and Liquor Stores Businesses Get in SBA Loans?
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.
NAICS 445310 (Beer, Wine, and Liquor Stores) received 17,295 SBA loans worth $6.7B across 5+ states. Average loan $388K, average term 137 months, default rate 7.7%.1210 active SBA-approved lenders fund this industry. Most beer, wine, and liquor stores loans use the SBA 7(a) program.
Is SBA Lending Growing for Beer, Wine, and Liquor Stores?-83% decline
Which SBA Program Do Beer, Wine, and Liquor Stores Businesses Use Most?
What Is the Best SBA Loan for Beer, Wine, and Liquor Stores?
The most widely used SBA program for beer, wine, and liquor stores businesses — flexible terms, multiple use cases
Where Are Beer, Wine, and Liquor Stores SBA Loans Most Common?
Top SBA Lenders for Beer, Wine, and Liquor Stores
These banks have funded the most SBA loans for beer, wine, and liquor stores businesses (NAICS 445310). PeerSense routes deals to lenders with proven appetite in your industry.
| # | Lender | Loans | Volume |
|---|---|---|---|
| 1 | Bank of Hope(CA) | 1,605 | $614.3M |
| 2 | Hanmi Bank(CA) | 821 | $468.5M |
| 3 | Wells Fargo Bank National Association(SD) | 716 | $199.9M |
| 4 | Bank of America, National Association(NC) | 605 | $50.0M |
| 5 | The Huntington National Bank(OH) | 518 | $97.1M |
Beer, Wine, and Liquor Stores Industry Context
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How Does SBA Lending Work for Beer, Wine, and Liquor Stores Businesses?
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.
Frequently Asked Questions — Beer, Wine, and Liquor Stores SBA Loans
What is the average SBA loan size for beer, wine, and liquor stores businesses?
Which SBA loan program is best for a beer, wine, and liquor stores business?
How many lenders fund SBA loans for beer, wine, and liquor stores?
What states have the most SBA lending for beer, wine, and liquor stores?
How does PeerSense help beer, wine, and liquor stores businesses get SBA loans?
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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.