Industries › Retail Trade › Food and Beverage Stores › Beer, Wine, and Liquor Stores
NAICS 4453Industry group1.0% of all approvals
SBA loans for beer, wine, and liquor stores
7(a) and 504 approvals to businesses SBA classifies under NAICS 4453, with the lenders and states behind them.
SBA approvals by fiscal year. The federal fiscal year runs 1 October to 30 September, so FY2025 is 1 October 2024 to 30 September 2025. *FY2026 is open: approvals to 30 Jun 2026 only.
Businesses classified under NAICS 4453, beer, wine, and liquor stores, received 3,529 SBA loan approvals worth $2.88bn in FY2021 to FY2025 (3,350 7(a), 179 504).
That is 1.0% of all approvals. Set against the 36,433 establishments the Census Bureau counts in the industry, it comes to 96.9 approvals per 1,000 establishments; across all industries the figure is 41.0.
In FY2025 there were 783 approvals, up 17% on FY2024. The median 7(a) approval was $500K, against $190K for all industries.
Of 7(a) loans approved in FY2010 to FY2021 and disbursed, SBA records 3.6% as charged off, below the 6.6% for all industries.
Loan status is as recorded by SBA at the data date; charge-off rates are computed on loans approved at least five fiscal years ago. Jobs supported are self-reported estimates from the SBA loan application, which SBA does not review, audit or validate. Data through 30 Jun 2026.
Volume by fiscal year
| Fiscal year | 7(a) approvals | 7(a) dollars | Median 7(a) | 504 approvals | 504 dollars | All approvals | Jobs supported, as reported |
|---|---|---|---|---|---|---|---|
| FY2026* | 367 | $315M | $560K | 18 | $13.2M | 385 | 1,944 |
| FY2025 | 748 | $561M | $500K | 35 | $33.6M | 783 | 4,299 |
| FY2024 | 635 | $463M | $465K | 36 | $31.7M | 671 | 3,118 |
| FY2023 | 634 | $517M | $485K | 22 | $21.8M | 656 | 3,436 |
| FY2022 | 533 | $461M | $550K | 40 | $44.2M | 573 | 3,300 |
| FY2021 | 800 | $709M | $556K | 46 | $36.0M | 846 | 4,939 |
| FY2020 | 530 | $383M | $450K | 34 | $23.3M | 564 | 2,885 |
| FY2019 | 589 | $374M | $355K | 15 | $9.9M | 604 | 2,765 |
| FY2018 | 691 | $351M | $300K | 20 | $12.7M | 711 | 2,946 |
| FY2017 | 747 | $380M | $300K | 26 | $11.2M | 773 | 3,170 |
| FY2016 | 665 | $317M | $270K | 20 | $12.7M | 685 | 3,046 |
SBA records the NAICS code in force when a loan was approved. The 2022 NAICS revision renumbered parts of retail trade and information, so some lines of business appear under one code before FY2023 and another after. FY2016–FY2020 approvals under this code: 3,337.
Lenders most active in this industry
By number of approvals, FY2021–FY2025; 470 lenders had at least one.
| # | Lender | Approvals | Dollars | Share | |
|---|---|---|---|---|---|
| 1 | Hanmi BankLos Angeles, CA | 274 | $259M | 7.8% | |
| 2 | The Huntington National BankColumbus, OH | 175 | $74.3M | 5.0% | |
| 3 | Manufacturers and Traders Trust CompanyBuffalo, NY | 115 | $20.6M | 3.3% | |
| 4 | Metro City BankDoraville, GA | 102 | $304M | 2.9% | |
| 5 | Open BankLos Angeles, CA | 99 | $94.9M | 2.8% | |
| 6 | Commonwealth Business BankLos Angeles, CA | 94 | $71.7M | 2.7% | |
| 7 | TD Bank, National AssociationWilmington, DE | 90 | $31.4M | 2.6% | |
| 8 | Bank of HopeLos Angeles, CA | 88 | $58.0M | 2.5% | |
| 9 | U.S. Bank, National AssociationCincinnati, OH | 85 | $32.5M | 2.4% | |
| 10 | PCB BankLos Angeles, CA | 80 | $57.6M | 2.3% | |
| 11 | First Internet Bank of IndianaFishers, IN | 61 | $77.8M | 1.7% | |
| 12 | Byline BankChicago, IL | 54 | $79.4M | 1.5% | |
| 13 | Celtic Bank CorporationSalt Lake City, UT | 54 | $51.5M | 1.5% | |
| 14 | American Continental BankCity of Industry, CA | 54 | $35.9M | 1.5% | |
| 15 | Webster Bank National AssociationWaterbury, CT | 52 | $22.6M | 1.5% | |
| 16 | Newtek Bank, National AssociationMiami, FL | 48 | $15.7M | 1.4% | |
| 17 | BayFirst National BankSaint Petersburg, FL | 47 | $14.0M | 1.3% | |
| 18 | Readycap Lending, LLCBerkeley Heights, NJ | 45 | $39.2M | 1.3% | |
| 19 | KeyBank National AssociationCleveland, OH | 45 | $13.7M | 1.3% | |
| 20 | Peapack Private Bank and TrustBedminster, NJ | 44 | $51.0M | 1.2% |
States
| # | State of the business | Approvals | Dollars | Share | |
|---|---|---|---|---|---|
| 1 | California | 583 | $375M | 16.5% | |
| 2 | Colorado | 369 | $293M | 10.5% | |
| 3 | New York | 282 | $134M | 8.0% | |
| 4 | Georgia | 273 | $620M | 7.7% | |
| 5 | New Jersey | 236 | $246M | 6.7% | |
| 6 | Michigan | 223 | $168M | 6.3% | |
| 7 | Texas | 157 | $128M | 4.4% | |
| 8 | Illinois | 153 | $138M | 4.3% | |
| 9 | Connecticut | 137 | $59.7M | 3.9% | |
| 10 | Maryland | 110 | $102M | 3.1% | |
| 11 | Pennsylvania | 106 | $81.9M | 3.0% | |
| 12 | Minnesota | 104 | $59.0M | 2.9% | |
| 13 | Massachusetts | 104 | $51.5M | 2.9% | |
| 14 | Florida | 67 | $52.6M | 1.9% | |
| 15 | Ohio | 53 | $20.4M | 1.5% |
Franchise brands
0.9% of approvals carried a franchise code.
| # | Brand | Approvals | Share | |
|---|---|---|---|---|
| 1 | MGM Wine & Spirits | 12 | 0.3% | |
| 2 | Buy-Rite Liquors | 3 | 0.1% | |
| 3 | The Good Pour | 2 | 0.1% | |
| 4 | Winestyles | 2 | 0.1% | |
| 5 | The Eskimo Hut | 2 | 0.1% | |
| 6 | Five Star Bath Solutions | 2 | 0.1% | |
| 7 | Macadoodles | 1 | 0.0% | |
| 8 | Buscemis Party Shoppe Pizza | 1 | 0.0% | |
| 9 | Waters Edge Wineries | 1 | 0.0% | |
| 10 | Tim's Wine Market | 1 | 0.0% |
Approval sizes
- $50,000 or less10.3%365
- $50,001 to $150,00011.2%397
- $150,001 to $350,00016.7%589
- $350,001 to $1 million36.4%1,285
- $1 million to $2 million16.9%595
- Over $2 million8.4%298
Age of the businesses
- Existing, more than 2 years old35.6%1,255
- New business, 2 years or less19.5%688
- Startup, loan funds will open the business13.5%476
- Change of ownership31.4%1,107
- Not answered0.1%3
Charge-offs against all industries
| Loans approved FY2010–FY2021 | This industry, 7(a) | All 7(a) | This industry, 504 | All 504 |
|---|---|---|---|---|
| Approvals in these years | 7,522 | 639,905 | 328 | 85,591 |
| Cancelled or never disbursed | 1,051 | 79,313 | 59 | 12,514 |
| Disbursed loans | 6,471 | 560,592 | 269 | 73,077 |
| Paid in full | 4,983 | 435,813 | 117 | 35,491 |
| Charged off | 236 | 36,891 | 0 | 905 |
| Still outstanding (status exempt from disclosure) | 1,252 | 87,888 | 152 | 36,681 |
| Charged off, share of disbursed loans | 3.6% | 6.6% | 0.0% | 1.2% |
| Dollars charged off, share of disbursed dollars | 1.5% | 2.5% | 0.0% | 0.9% |
| Dollars charged off | $52.1M | $5.70bn | $0 | $499M |
Against all industries
| FY2021–FY2025 | NAICS 4453 | All industries |
|---|---|---|
| Median 7(a) approval | $500K | $190K |
| Median 504 approval | $692K | $657K |
| Average approval | $816K | $573K |
| Approvals per 1,000 establishments | 96.9 | 41.0 |
| Approvals to franchise businesses | 0.9% | 11.2% |
| Jobs supported per approval, as reported | 5.4 | 10.5 |
Questions and answers
Which lenders make the most SBA loans for beer, wine, and liquor stores?
By approvals in FY2021 to FY2025: Hanmi Bank (274), The Huntington National Bank (175), Manufacturers and Traders Trust Company (115), Metro City Bank (102), Open Bank (99). 470 lenders had at least one.
How large are typical SBA loans for beer, wine, and liquor stores?
The median 7(a) approval was $500K and the median 504 approval $692K; the average across both programs was $816K.
What share of SBA loans for beer, wine, and liquor stores are charged off?
Of 7(a) loans approved in FY2010 to FY2021 and disbursed, 3.6% are recorded as charged off, against 6.6% for all industries; for 504 loans, 0.0% against 1.2%.
Which states have the most SBA loans for beer, wine, and liquor stores?
California (583), Colorado (369), New York (282), Georgia (273), New Jersey (236).
Is SBA lending for beer, wine, and liquor stores rising?
Approvals in the three latest complete fiscal years total 2,110, against 1,983 in the three before: broadly level (+6%).
About these figures
Figures are totals of the Small Business Administration's 7(a) and 504 FOIA loan files, data through 30 Jun 2026. SBA updates the files quarterly. Counts are loan approvals, including approvals later cancelled; the five-year window is FY2021–FY2025, the five latest complete fiscal years. Charge-off rates use only loans approved in FY2010–FY2021, at least five fiscal years ago, and count disbursed loans SBA records as charged off. Loans are listed under the lender they are assigned to today. Establishment counts are from the Census Bureau's County Business Patterns 2023, which leaves out most farms, government and businesses without employees. Dollar figures behind fewer than three approvals are not shown, and no borrower is named anywhere on this site.Methodology · Report an error