SBA loans by business type
SBA Loans for Liquor Stores
SBA lenders funded 10,781 7(a) and 504 loans for liquor stores since FY2010 (1.0% of all SBA lending in the data), totaling $6.5B, an average of $600K per loan. The most active lender is Metro City Bank.
By Mario Bailey · Source: SBA FOIA data, FY2010–2026 (as of 2026-03-31)
These figures are computed from the SBA's public 7(a) and 504 funded-loan records for Beer, Wine, and Liquor Stores (NAICS 4453). They cover funded loans, not applications, so a lender's activity here is a track-record signal — not a guarantee you will be approved. Among the 7(a) loans, the charge-off rate is 2.1% — a relative track-record signal, not a lifetime default rate (504 charge-offs are not reported in the SBA data); see our methodology. Estimate a payment with the SBA loan calculator, or check the basics with the eligibility checker.
Top SBA lenders in Retail Trade, the sector that includes liquor stores
Ranked by SBA loans funded across Retail Trade (NAICS 44-45), the full sector that contains Beer, Wine, and Liquor Stores (NAICS 4453). The sector is broader than liquor stores alone, and sector level is the granularity our per-lender track-record data supports, so every figure below, including the 7(a) charge-off rate, is sector-wide, not specific to liquor stores. Charge-off is reported on 7(a) loans, never on 504 loans, so a lender without a reliable 7(a) sample in the sector shows “not reported,” never 0%. A lender active in your situation is a good place to start; talk to a few before you apply.
| # | Lender | Loans | Total funded | Average loan | 7(a) charge-off |
|---|---|---|---|---|---|
| 1 | The Huntington National Bank | 8,274 | $2.1B | $250K | 3.77% |
| 2 | Wells Fargo Bank National Association | 8,125 | $2.1B | $254K | 7.26% |
| 3 | U.S. Bank, National Association | 4,558 | $1.4B | $306K | 3.97% |
| 4 | JPMorgan Chase Bank, National Association | 4,535 | $845.8M | $187K | 6.00% |
| 5 | TD Bank, National Association | 3,878 | $572.2M | $148K | 9.33% |
| 6 | Manufacturers and Traders Trust Company | 3,502 | $447.0M | $128K | 7.40% |
| 7 | Bank of Hope | 2,367 | $1.4B | $597K | 4.35% |
| 8 | Celtic Bank Corporation | 2,102 | $1.6B | $781K | 6.47% |
| 9 | PNC Bank, National Association | 1,958 | $363.1M | $185K | 7.41% |
| 10 | Northeast Bank | 1,849 | $325.5M | $176K | 2.65% |
SBA 7(a) and 504 loans, FY2010–2026, as of 2026-03-31, from the SBA's public record.
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Top states for liquor stores SBA loans
| State | Loans | Total volume |
|---|---|---|
| Georgia | 705 | $1.2B |
| California | 2,036 | $1.0B |
| Colorado | 1,066 | $678.0M |
| New Jersey | 723 | $648.5M |
| New York | 941 | $371.9M |
| Michigan | 607 | $292.8M |
| Illinois | 380 | $254.8M |
| Texas | 414 | $245.1M |
| Maryland | 332 | $220.1M |
| Massachusetts | 474 | $156.1M |
SBA lending for liquor stores by year
Funded SBA volume by approval fiscal year (FY2010–2026).
SBA loans for liquor stores: frequently asked questions
Can you get an SBA loan for liquor stores?
Yes. Lenders funded 10,781 SBA 7(a) and 504 loans for liquor stores in the public data (as of 2026-03-31), 1.0% of all SBA lending, totaling $6.5B.
How much is a typical SBA loan for liquor stores?
The average SBA loan for liquor stores is $600K, across 10,781 funded loans. Your amount depends on use of funds, cash flow, and the lender.
Which SBA lenders fund liquor stores?
Metro City Bank, Hanmi Bank, Bank of Hope are among the most active SBA lenders for liquor stores by funded volume. A lender that regularly funds your situation is more likely to understand the deal.