See the national page for Beer, Wine, and Liquor Retailers
Beer, Wine, and Liquor Retailers in California: SBA acquisition loans
From FY2020 to Jun 30, 2026, California had 198 Beer, Wine, and Liquor Retailers acquisition loans in the SBA 7(a) file.
California has about 24.1% of U.S. acquisition loans in this industry (198 of 821 loans).
Loans by fiscal year. Years with fewer than 10 loans are not shown.
- FY2023: 42
- FY2024: 49
- FY2025: 53
- FY2026 (to Jun 30): 45
The median approved amount was $500,000. The middle half of approved amounts ran from $321,000 to $884,000.
Total approved was $132.4M. The median term was 120 months. The median initial rate was 9.50%.
All of these loans have variable rates.
Seasoned charge-off rate: not enough loans to show this number. The national seasoned charge-off rate is about 2% by count.
22 distinct lenders hold these loans in the SBA file. Lenders holding 10 or more loans, by count:
- Open Bank 49
- Commonwealth Business Bank 36
- American Continental Bank 35
- PCB Bank 22
Lender counts are facts from the file. They are not a ranking and not a recommendation.
Top counties by count:
- Los Angeles 83
- Orange 21
- San Bernardino 14
- Alameda 11
- Riverside 11
Industry code: NAICS 445320. 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.
This code replaced NAICS 445310. It has loans only from FY2022.
California snapshot
| Measure | Value | What it means |
|---|---|---|
| Acquisition loans | 198 | Number of 7(a) loans labeled Change of Ownership, FY2020 to Jun 30, 2026. Cancelled loans are removed. |
| Loans by year |
| 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 | $500,000 | 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 | $321,000 to $884,000 | The range that holds the middle half of approved amounts, from the lower quarter mark to the upper quarter mark. |
| Total approved | $132.4M | 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 | All variable | How many of these loans have variable rates, rounded to the nearest 10%. |
| Seasoned charge-off rate | Not enough loans to show this number. | 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 | 22 | 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 | Open Bank 49 Commonwealth Business Bank 36 American Continental Bank 35 PCB Bank 22 | Lenders that hold 10 or more loans in this cell, by count. Names come from public data. |
| Top counties | Los Angeles 83 Orange 21 San Bernardino 14 Alameda 11 Riverside 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)
Census counts are not available for this industry code.
Data as of: Jun 30, 2026.