SBA loan outcome check · industry · SBA data as of 30 September 2026

How have SBA loans in Beer and Ale Merchant Wholesalers turned out?

Of 362 loans approved in fiscal 2003 to 2021 (at least five years old), 48 (13.3%) were charged off by the lender, against 15.7% across all 7(a) loans approved in those same years. Beer and Ale Merchant Wholesalers appears on 417 SBA-guaranteed 7(a) loans approved from fiscal 2003 to 2026, $122.3 million in gross approvals. These are loans, not a rating.

Not financial, legal or franchise advice. This page reports what the SBA's loan file records for SBA-guaranteed loans. A charge-off rate is not a rating of a brand or an industry, it does not predict a new loan, and a franchisee's loan is not a measure of the franchisor. Read the franchise's disclosure document and talk to a lender or an adviser before you borrow.

Beer and Ale Merchant WholesalersIndustry NAICS 424810 · 417 loans

13%of seasoned loans charged off

Beer and Ale Merchant Wholesalers appears on 417 SBA-guaranteed 7(a) loans approved from fiscal 2003 to 2026, $122.3 million in gross approvals.
Of 362 loans approved in fiscal 2003 to 2021 (at least five years old), 48 (13.3%) were charged off by the lender, against 15.7% across all 7(a) loans approved in those same years.
A charge-off is a loan the lender wrote off. It is not a statement about the borrower, the brand or the franchisor, and it does not predict how a new loan will turn out.

share of this group's loans charged off, by approval year (years with 10+ loans)all 7(a) loans, same year

Every approval year

Approval year	Loans	Approved	Paid in full	Charged off	Not yet resolved	Charged-off share
FY2003	18	$1.4 million	13	5	0	27.8%
FY2004	18	$881,000	16	2	0	11.1%
FY2005	60	$4.2 million	48	12	0	20.0%
FY2006	22	$2.3 million	15	7	0	31.8%
FY2007	22	$2.9 million	16	6	0	27.3%
FY2008	15	$2.4 million	13	2	0	13.3%
FY2009	11	$3.6 million	9	2	0	18.2%
FY2010	11	$3.2 million	11	0	0	0.0%
FY2011	15	$10.1 million	15	0	0	0.0%
FY2012	12	$2.1 million	10	2	0	16.7%
FY2013	15	$4.6 million	13	2	0	13.3%
FY2014	23	$6.2 million	19	4	0	17.4%
FY2015	20	$4.6 million	20	0	0	0.0%
FY2016	13	$2.9 million	10	2	1	15.4%
FY2017	17	$3.6 million	14	1	2	5.9%
FY2018	28	$9.5 million	25	0	3	0.0%
FY2019	12	$8.3 million	10	0	2	0.0%
FY2020	13	$3.5 million	5	0	8	0.0%
FY2021	17	$14.7 million	3	1	13	5.9%
FY2022	20	$14.6 million	8	0	12	too recent for a share
FY2023	7	$3.9 million	2	0	5	too recent for a share
FY2024	13	$4.0 million	0	0	13	too recent for a share
FY2025	12	$7.8 million	0	0	12	too recent for a share
FY2026	3	$1.1 million	0	0	3	too recent for a share

By state, where 30 or more loans are at least five years old

State	Loans (FY2003 to 2021)	Charged off	Share
Pennsylvania	85	9	10.6%
New York	47	8	17.0%
California	36	4	11.1%

US Small Business Administration, 7(a) FOIA loan data as of 30 September 2026. SBA-guaranteed 7(a) loans only, aggregated; no borrower or lender is shown. SBA open data.

Where can you go from this record?

Open it in the check to search another brand or industry. Before you borrow for a business in this industry, read the FTC consumer guide to buying a franchise, the SBA guide to buying a franchise and SBA Lender Match.

Compiled and checked by Vincent Wesley Couey (ORCID 0009-0005-6869-308X) from the SBA 7(a) FOIA loan data, as of 30 September 2026. Not an official source.