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

How have SBA loans in Beer, Wine, and Liquor Stores turned out?

Of 12,272 loans approved in fiscal 2000 to 2021 (at least five years old), 1,130 (9.2%) were charged off by the lender, against 15.6% across all 7(a) loans approved in those same years. Beer, Wine, and Liquor Stores appears on 12,524 SBA-guaranteed 7(a) loans approved from fiscal 2000 to 2026, $5.2 billion 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, Wine, and Liquor StoresIndustry NAICS 445310 · 12,524 loans
9%of seasoned loans charged off
  1. Beer, Wine, and Liquor Stores appears on 12,524 SBA-guaranteed 7(a) loans approved from fiscal 2000 to 2026, $5.2 billion in gross approvals.
  2. Of 12,272 loans approved in fiscal 2000 to 2021 (at least five years old), 1,130 (9.2%) were charged off by the lender, against 15.6% across all 7(a) loans approved in those same years.
  3. 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.
0%26%Fiscal 2000: 22 of 369 loans charged off (6.0%)Fiscal 2001: 34 of 410 loans charged off (8.3%)Fiscal 2002: 48 of 515 loans charged off (9.3%)Fiscal 2003: 46 of 551 loans charged off (8.3%)Fiscal 2004: 80 of 657 loans charged off (12.2%)Fiscal 2005: 118 of 796 loans charged off (14.8%)Fiscal 2006: 169 of 757 loans charged off (22.3%)Fiscal 2007: 212 of 805 loans charged off (26.3%)Fiscal 2008: 131 of 590 loans charged off (22.2%)Fiscal 2009: 33 of 354 loans charged off (9.3%)Fiscal 2010: 36 of 435 loans charged off (8.3%)Fiscal 2011: 31 of 429 loans charged off (7.2%)Fiscal 2012: 21 of 466 loans charged off (4.5%)Fiscal 2013: 16 of 448 loans charged off (3.6%)Fiscal 2014: 23 of 526 loans charged off (4.4%)Fiscal 2015: 23 of 672 loans charged off (3.4%)Fiscal 2016: 15 of 588 loans charged off (2.6%)Fiscal 2017: 25 of 662 loans charged off (3.8%)Fiscal 2018: 19 of 613 loans charged off (3.1%)Fiscal 2019: 15 of 501 loans charged off (3.0%)Fiscal 2020: 5 of 436 loans charged off (1.1%)Fiscal 2021: 8 of 692 loans charged off (1.2%)20002002200420062008201020122014201620182020
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 yearLoansApprovedPaid in fullCharged offNot yet resolvedCharged-off share
FY2000369$88.1 million3472206.0%
FY2001410$89.5 million3763408.3%
FY2002515$148.8 million4674809.3%
FY2003551$118.4 million5054608.3%
FY2004657$172.1 million57680112.2%
FY2005796$213.4 million673118514.8%
FY2006757$233.3 million582169622.3%
FY2007805$251.7 million589212426.3%
FY2008590$188.1 million455131422.2%
FY2009354$108.0 million3173349.3%
FY2010435$146.8 million38936108.3%
FY2011429$150.0 million38831107.2%
FY2012466$153.5 million43521104.5%
FY2013448$199.9 million4241683.6%
FY2014526$211.3 million48023234.4%
FY2015672$310.5 million60323463.4%
FY2016588$280.1 million52615472.6%
FY2017662$341.2 million486251513.8%
FY2018613$317.0 million446191483.1%
FY2019501$328.0 million325151613.0%
FY2020436$323.4 million23851931.1%
FY2021692$610.2 million30883761.2%
FY2022190$146.4 million513136too recent for a share
FY202337$16.2 million5032too recent for a share
FY202415$5.1 million2013too recent for a share
FY20258$4.5 million008too recent for a share
FY20262$2.4 million002too recent for a share

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

StateLoans (FY2000 to 2021)Charged offShare
California2,5571746.8%
Colorado1,35414110.4%
New York1,022878.5%
New Jersey909404.4%
Georgia648588.9%
Texas53110319.4%
Massachusetts521326.1%
Michigan4715411.5%
Connecticut433368.3%
Maryland395256.3%
Minnesota3655013.7%
Illinois3575615.7%

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.

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