{"citation":"SBA loans for liquor stores. SBA Express Loans, Janover Capital LLC (data as of June 30, 2026). https://www.sbaexpress.loans/industries/beer-wine-liquor-retailers/ Source: SBA 7(a) loan file, June 30, 2026 (https://data.sba.gov/dataset/7a-504-foia).","url":"https://www.sbaexpress.loans/industries/beer-wine-liquor-retailers/","title":"SBA loans for liquor stores","data_as_of":"2026-06-30","checked":null,"sources":[{"label":"SBA 7(a) loan file, June 30, 2026","url":"https://data.sba.gov/dataset/7a-504-foia"},{"label":"SOP 50 10 8.1: App. 19, Para. A (p. 404); Sec. B, Ch. 2, Para. C.2 (Para. C begins p. 127); App. 19, Para. B.3 (Para. B begins p. 408); App. 16, Para. B.2 (Para. B begins p. 388); Sec. B, Ch. 2 (p. 125); Sec. B, Ch. 2, Para. B.1 (p. 126); Sec. A, Ch. 5, Para. A.1 (p. 93); Sec. A, Ch. 1, Para. D.1 (p. 14); Sec. A, Ch. 1, Para. D.2 (p. 14); App. 17, Para. A.2 (p. 390); App. 17, Para. A.1 (p. 390); SBA Procedural Notice 5000-876777; 13 CFR § 120.160(a); 13 CFR § 121.301","url":"https://legacy.sba.gov/sites/default/files/2026-10/SOP%2050%2010%208.1%20Technical%20Policy%20Updates%20effective%20%2010.1.2026.docx"},{"label":"13 CFR § 120.100","url":"https://www.ecfr.gov/current/title-13/section-120.100"},{"label":"SOP 50 10 8.1: Sec. B, Ch. 2, Para. B.5 (Para. B begins p. 126); 13 CFR § 120.214(d)(4)","url":"https://www.ecfr.gov/current/title-13/section-120.214"},{"label":"SOP 50 10 8.1: Sec. A, Ch. 1, Para. D.1 (p. 14); 13 CFR § 121.301(b)(2)","url":"https://www.ecfr.gov/current/title-13/section-121.301"},{"label":"91 FR 53741 (Aug. 20, 2026)","url":"https://www.govinfo.gov/content/pkg/FR-2026-08-20/pdf/2026-17042.pdf"},{"label":"13 CFR § 121.201","url":"https://www.ecfr.gov/current/title-13/section-121.201"}],"data":{"naics":"445320","industry":"Beer, Wine, and Liquor Retailers","sector":"Retail Trade","as_of":"2026-06-30","basis":"recent","windows":{"recent":"FY2024 through June 30, 2026","all":"FY2020 through June 30, 2026","seasoned":"FY2020 to FY2022 loans, charge-offs through June 30, 2026"},"recent":{"loans":1530,"dollars":1193194400,"median_amount":500000,"p25_amount":200000,"p75_amount":999875,"median_rate":9.75,"median_spread":2.0,"median_term":120,"express_share":18.2,"loc_share":14.2},"all":{"loans":2333,"dollars":1895948400,"median_amount":500000,"p25_amount":215000,"p75_amount":1005000,"median_rate":null,"median_spread":2.0,"median_term":120,"express_share":18.2,"loc_share":13.4},"chargeoff":{"cohort_loans":277,"charged_off_loans":null,"rate_loans":null,"rate_dollars":null},"lenders":[{"name":"Hanmi Bank","loans":132,"url":"https://www.sbaexpress.loans/sba-express-lenders/hanmi-bank/"},{"name":"The Huntington National Bank","loans":74,"url":"https://www.sbaexpress.loans/sba-express-lenders/the-huntington-national-bank/"},{"name":"M&T Bank","loans":68,"url":"https://www.sbaexpress.loans/sba-express-lenders/m-and-t-bank/"},{"name":"Bank of Hope","loans":55,"url":"https://www.sbaexpress.loans/sba-express-lenders/bank-of-hope/"},{"name":"Commonwealth Business Bank","loans":54,"url":"https://www.sbaexpress.loans/sba-express-lenders/commonwealth-business-bank/"}],"states":[{"name":"California","loans":309,"url":"https://www.sbaexpress.loans/california-small-business-loans/"},{"name":"Colorado","loans":180,"url":"https://www.sbaexpress.loans/colorado-small-business-loans/"},{"name":"New York","loans":114,"url":"https://www.sbaexpress.loans/new-york-small-business-loans/"},{"name":"Michigan","loans":108,"url":"https://www.sbaexpress.loans/michigan-small-business-loans/"},{"name":"Georgia","loans":92,"url":"https://www.sbaexpress.loans/georgia-small-business-loans/"}],"note":"Counts under 5 are suppressed, and so is a share or rate that would give one back. Rates are rates at approval, not today's rates.","rows":[{"size_band":"$50,000 or less","loans":176,"share_pct":11.5},{"size_band":"$50,001 to $150,000","loans":178,"share_pct":11.6},{"size_band":"$150,001 to $350,000","loans":237,"share_pct":15.5},{"size_band":"$350,001 to $500,000","loans":191,"share_pct":12.5},{"size_band":"$500,001 to $1,000,000","loans":391,"share_pct":25.6},{"size_band":"$1,000,001 to $2,000,000","loans":251,"share_pct":16.4},{"size_band":"Over $2,000,000","loans":106,"share_pct":6.9}]}}