How Much Can Wine and Distilled Alcoholic Beverage Wholesalers Businesses Get in SBA Loans?
221 SBA loans totaling $50.0M have been approved for wine and distilled alcoholic beverage wholesalers businesses (NAICS 422820). The average approved SBA loan is $226K, which is 34% below avg the $340K national average. 89 active lenders fund this industry with a 13.0% default rate on the matured 2018-2021 loan cohort.
At 13.0%, Wine and Distilled Alcoholic Beverage Wholesalers sits below the 15.4% all-industry SBA default rate (charged-off as a share of resolved loans) — moderate 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 422820 (Wine and Distilled Alcoholic Beverage Wholesalers) received 221 SBA loans worth $50.0M across 5+ states. Average loan $226K, average term 105 months, 13.0% default rate (resolved-loan basis).89 active SBA-approved lenders fund this industry. Most wine and distilled alcoholic beverage 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 Wine and Distilled Alcoholic Beverage Wholesalers Businesses Use Most?
What Is the Best SBA Loan for Wine and Distilled Alcoholic Beverage Wholesalers?
The most widely used SBA program for wine and distilled alcoholic beverage wholesalers businesses — flexible terms, multiple use cases
Where Are Wine and Distilled Alcoholic Beverage Wholesalers SBA Loans Most Common?
Top SBA Lenders for Wine and Distilled Alcoholic Beverage Wholesalers
These banks have funded the most SBA loans for wine and distilled alcoholic beverage wholesalers businesses (NAICS 422820). PeerSense routes deals to lenders with proven appetite in your industry.
| # | Lender | Loans | Volume |
|---|---|---|---|
| 1 | Bank of America, National Association(NC) | 33 | $2.9M |
| 2 | Wells Fargo Bank National Association(SD) | 19 | $2.8M |
| 3 | U.S. Bank, National Association(OH) | 9 | $1.4M |
| 4 | PNC Bank, National Association(DE) | 8 | $2.3M |
| 5 | JPMorgan Chase Bank, National Association(OH) | 8 | $1.2M |
Wine and Distilled Alcoholic Beverage Wholesalers Industry Context
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How Does SBA Lending Work for Wine and Distilled Alcoholic Beverage Wholesalers Businesses?
Across all SBA loan programs, 221 loans have been approved for businesses classified under NAICS 422820 (Wine and Distilled Alcoholic Beverage Wholesalers), representing $50.0M in total capital deployed. The average approved loan of $226K is 34% below avg the national SBA average of $340K, with typical repayment terms of 105 months.
SBA lending for wine and distilled alcoholic beverage wholesalers has remained relatively stable across recent fiscal years. 89 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 9% 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 wine and distilled alcoholic beverage 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 — Wine and Distilled Alcoholic Beverage Wholesalers SBA Loans
What is the average SBA loan size for wine and distilled alcoholic beverage wholesalers businesses?
Which SBA loan program is best for a wine and distilled alcoholic beverage wholesalers business?
How many lenders fund SBA loans for wine and distilled alcoholic beverage wholesalers?
What states have the most SBA lending for wine and distilled alcoholic beverage wholesalers?
How does PeerSense help wine and distilled alcoholic beverage wholesalers businesses get SBA loans?
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Data aggregated from SBA loan records (1992–2025). Wine and Distilled Alcoholic Beverage Wholesalers defined by NAICS code 422820. Not financial advice. PeerSense is a capital advisory firm, not a lender. Consult a lending professional before making financial decisions.