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

This page covers Beer, Wine, and Liquor Retailers, NAICS 445320. It uses loans the SBA 7(a) file labels Change of Ownership, from FY2020 to Jun 30, 2026.

Cancelled loans are removed. Nationwide, 821 acquisition loans in this industry are in the file.

This code replaced NAICS 445310. It has loans only from 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	821	Number of 7(a) loans labeled Change of Ownership, FY2020 to Jun 30, 2026. Cancelled loans are removed.
Loans by year	FY2020Under 10 FY2021Under 10 FY202276 FY2023173 FY2024182 FY2025248 FY2026 (to Jun 30)141	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	$720,000	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	$403,000 to $1,255,000	The range that holds the middle half of approved amounts, from the lower quarter mark to the upper quarter mark.
Total approved	$833.2M	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	9.50%	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	Under 3% (30 to 99 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	152	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 145 Open Bank 59 Commonwealth Business Bank 44 American Continental Bank 36 Byline Bank 33 Metro City Bank 30 PCB Bank 25 Rockland Trust Company 23 United FCU 20 The Huntington National Bank 19 Peapack Private Bank and Trust 18 Manufacturers and Traders Trust Company 17 Celtic Bank Corporation 16 Centerstone SBA Lending, Inc. 15 Bank of Hope 11 First Internet Bank of Indiana 11 US Metro Bank 11 VelocitySBA, LLC 11 Live Oak Banking Company 10 PromiseOne Bank 10	Lenders that hold 10 or more loans in this cell, by count. Names come from public data.
Top counties	Los Angeles 83 Wayne 38 Jefferson 27 Orange 24 Arapahoe 23 Denver 20 District Of Columbia 19 Cook 16 Erie 15 San Bernardino 14 Adams 13 El Paso 11 Alameda 11 Riverside 11 Dekalb 10	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)

Census counts are not available for this industry code.

Data as of: Jun 30, 2026.

States with enough loans to show

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