Best SBA 7(a) lenders for beer, wine, and liquor stores
NAICS 445310 — Beer, Wine, and Liquor Stores.
1,624 7(a) loans approved in this industry between FY2020 and 2025-12-31, totaling $1.29B.
Loans
1,624
Total $
$1.29B
Avg loan
$793K
Avg rate
5.85%
Avg term
164 mo
Industry chg-off rate
0.63%
FY20–FY23 cohort
Top 15 lenders in this industry
| # | Lender | Loans | Total $ | Avg loan | Avg rate | Chg-off % |
|---|---|---|---|---|---|---|
| 1 | Hanmi Bank | 174 | $148.8M | $855K | 5.54% | 0.00% |
| 2 | TD Bank, National Association | 67 | $18.1M | $270K | 8.79% | 1.89% |
| 3 | Metro City Bank | 60 | $182.8M | $3.0M | 4.65% | 0.00% |
| 4 | U.S. Bank, National Association | 54 | $14.3M | $265K | 6.49% | 5.56% |
| 5 | The Huntington National Bank | 53 | $18.4M | $347K | 6.08% | 0.00% |
| 6 | Provident Bank | 47 | $34.4M | $731K | 5.72% | 0.00% |
| 7 | Bank of Hope | 41 | $18.9M | $461K | 5.57% | 0.00% |
| 8 | Manufacturers and Traders Trust Company | 39 | $8.6M | $222K | 6.98% | 5.13% |
| 9 | Open Bank | 37 | $47.0M | $1.3M | 5.28% | 0.00% |
| 10 | PCB Bank | 35 | $25.0M | $715K | 5.01% | 0.00% |
| 11 | Fulton Bank, National Association | 34 | $42.0M | $1.2M | 5.36% | 0.00% |
| 12 | Celtic Bank Corporation | 27 | $27.4M | $1.0M | 5.95% | 0.00% |
| 13 | VelocitySBA, LLC | 27 | $23.8M | $882K | 5.68% | 0.00% |
| 14 | Byline Bank | 24 | $25.2M | $1.1M | 6.18% | 0.00% |
| 15 | Wilmington Savings Fund Society FSB | 22 | $27.6M | $1.3M | 5.22% | 0.00% |
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Methodology
Computed from the SBA 7(a) FOIA dataset (as of 2025-12-31), filtered to NAICS code 445310. Charge-off rates are calculated on the FY2020–FY2023 cohort only.