Beer, Wine, and Liquor Stores: SBA acquisition loans, nationwide

This page covers Beer, Wine, and Liquor Stores, NAICS 445310. It uses loans the SBA 7(a) file labels Change of Ownership, from FY2020 to Jun 30, 2026.

Cancelled loans are removed. Nationwide, 484 acquisition loans in this industry are in the file.

This code was replaced by NAICS 445320. It has loans only through FY2022.

Across all industries, the national median approved amount is $679,600. The seasoned charge-off rate is about 2% by count.

Use these as reference points for context. They are not a forecast and not a rating of this industry.

Choose a state to see local loan counts, lender activity and Census business counts.

Some states do not have enough loans to show. Those cells say so.

The file only covers SBA 7(a) loans labeled change of ownership, so it leaves out cash, seller-note and bank deals.

Read the methodology for filters, dates and known gaps.

SBA changed industry codes in 2022. The same industry can appear under an old code (loans to FY2022) and a new code (loans from FY2022). Each page shows only its own code, so neither shows the full history.

National snapshot

Measure	Value	What it means
Acquisition loans	484	Number of 7(a) loans labeled Change of Ownership, FY2020 to Jun 30, 2026. Cancelled loans are removed.
Loans by year	FY2020179 FY2021244 FY202255 FY2023Under 10 FY2024Under 10 FY2025Under 10 FY2026 (to Jun 30)Under 10	Acquisition loans by SBA fiscal year. FY2026 covers Oct 1 to Jun 30 only. Years with fewer than 10 loans are hidden.
Median approved amount	$650,000	The middle approved amount. Half of the loans were approved for more and half for less. Gross approved amounts, rounded to $1,000.
Middle half of approved amounts	$401,000 to $1,159,000	The range that holds the middle half of approved amounts, from the lower quarter mark to the upper quarter mark.
Total approved	$491.3M	The sum of all gross approved loan amounts in this cell. These are approved amounts, not money paid out. Rounded to $0.1 million.
Term	120 months	The median loan term, in months.
Rate	5.50%	The median initial interest rate.
Rate type	About 90% variable	How many of these loans have variable rates, rounded to the nearest 10%.
Seasoned charge-off rate	About 0% of 100 or more seasoned loans Estimate	The share of loans approved in FY2020 to FY2022 that SBA lists as charged off, counted by loans. Charged off is a loan status, not a business closing. Older loans have had more time to be charged off. With under 100 seasoned loans, this shows a band. With under 30, it is hidden.
National charge-off rate	About 2% Estimate	The same measure across all industries. It is about 2% by count.
Lenders in the SBA file	147	The number of distinct lenders that hold these loans in the SBA file. The file lists the current lender, which may not be the original lender. Counts are not a ranking or a recommendation.
Lenders holding the most loans	Hanmi Bank 95 Metro City Bank 32 Provident Bank 25 Open Bank 23 Bank of Hope 18 Celtic Bank Corporation 16 VelocitySBA, LLC 16 Peapack Private Bank and Trust 12	Lenders that hold 10 or more loans in this cell, by count. Names come from public data.
Top counties	Los Angeles 42 Arapahoe 16 Denver 14 Adams 13 Jefferson 11	Counties with the most acquisition loans in this cell. Counties with fewer than 10 loans are hidden.
Franchise share	Not enough loans to show this number.	The share of acquisition loans in this cell that were for franchises. Hidden when fewer than 10 loans were for franchises.

Local business locations (Census 2023)

Business locations	36,433	Census County Business Patterns 2023: business locations, employees and annual payroll for this industry and area. Census adds small amounts of noise.
Employees	193,533
Annual payroll	$5.45B
Business locations by employee count	Under 522,475 5 to 99,041 10 to 193,726 20 to 491,065 50 to 9987 100 or more3
Business locations with 10 to 49 employees	4,791	Census count of local business locations in that size band.

Data as of: Jun 30, 2026.

States with enough loans to show

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