Liquor store loans: SBA rates and eligibility
Beer, Wine, and Liquor Stores · NAICS 445320 (formerly 445310) · Program that usually fits: 7(a)
Liquor stores are eligible for SBA loans. If the purchase includes a liquor license, the lender will need to confirm it can transfer to you under your state's rules before the loan closes.
What borrowers use the money for
- Buying an existing store and its license
- Inventory
- Store build-out and coolers
- Buying the building
Example: a $600,000 loan
At today's maximum variable 7(a) rate of 10.00% over 10 years, the payment would be about $7,929 a month. Most well-qualified borrowers get a lower rate. Try your own numbers.
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Today's rate caps
These are the SBA's maximum 7(a) rates with prime at 7.00%. See current SBA 7(a) rates and SBA 504 rates.
| Loan amount | Maximum spread | Maximum variable rate today |
|---|---|---|
| $50,000 or less | Prime + 6.5 | 13.50% |
| $50,001 to $250,000 | Prime + 6.0 | 13.00% |
| $250,001 to $350,000 | Prime + 4.5 | 11.50% |
| Over $350,000 | Prime + 3.0 | 10.00% |
Related industries and lenders
Related industries
SBA lenders active nationwide
Questions
Can a liquor store business get an SBA loan?
Yes, if the business is for-profit, meets SBA size standards for NAICS 445320 (formerly 445310), and can show it can repay. Liquor stores are eligible for SBA loans.
What is the NAICS code for beer, wine, and liquor stores?
NAICS 445320 (formerly 445310). Lenders use it to check SBA size standards and eligibility.
Sources: SBA 7(a) terms, conditions and maximum variable rates; Federal Reserve H.15 selected interest rates (bank prime loan rate); November 2026 SBA 504 debenture pricing, as published by CDCs; SBA FOIA 7(a) and 504 loan-level data.