SBA loans to liquor stores in Georgia under the 2017 NAICS code
Short answer
SBA's loan file shows 109 loans to liquor stores in Georgia since October 2019. Metro City Bank made 39.4% of them, well above its share nationally and across all loans in Georgia. The median loan was $1,910,000, 3.8 times the national median of $496,800.
- SBA loans, Oct 2019 to Jun 2026
- 109
- median loan
- $1,910,000
- dollars approved
- $251.07M
- made by one lender
- 39.4%
Few loans since October 2023
SBA's file shows fewer than 5 loans for liquor stores in Georgia approved since October 2023. The figures below describe earlier lending, from October 2019 to June 2026.
These are the 109 SBA 7(a) loans to liquor stores in Georgia approved October 2019 to June 2026. Each figure is set against the national figure for the same industry and period. State is where the business is, not where the lender is based. The file lists loans SBA approved, so it shows what lenders have done and not what any lender will do for you. Every state page for this industry uses this same period, so the pages can be compared with each other.
How Georgia differs from the U.S.
What this means for you. One lender made a large share of these loans in Georgia, so compare more than one lender before you apply.
Lender concentration
Metro City Bank made 39.4% of these loans (43 of 109). Nationally it made 3.8% of loans to liquor stores. It is not among the five biggest SBA lenders in Georgia.
Loan size
The medianThe middle figure. Half the loans were larger and half were smaller. loan was $1,910,000 in Georgia, 3.8 times the national median of $496,800.
The middle half of loans in Georgia ran from $784,000 to $3,755,000. Nationally the middle half ran from $200,000 to $1,000,000.
SBA Express
5.5% of the loans in Georgia went through SBA Express, against 23.2% nationally.
We compared 9 measures with the national figure for the same period, and these are the 3 that differ clearly. 2 more differences are in the table.
Georgia next to the U.S.
| Measure | Georgia | United States | Reading |
|---|---|---|---|
| Industry's share of all SBA loans | 1.1% | 0.41% | Clearly higher |
| Median loan | $1,910,000 | $496,800 | Clearly higher |
| Middle half of loans | $784,000 to $3,755,000 | $200,000 to $1,000,000 | – |
| Startups (the loan opens the business) | 19.3% | 11.3% | No clear gap |
| In business 2 years or less | 18.3% | 15.3% | No clear gap |
| In business more than 2 years | 22.0% | 36.5% | Clearly lower |
| Change of ownership | 36.7% | 34.9% | No clear gap |
| SBA Express | 5.5% | 23.2% | Clearly lower |
| Lines of credit | 5.5% | 11.3% | No clear gap |
| Median term | 25 years | 10 years | – |
| Median spread over Prime at approval | 1.25 points over Prime | 2 points over Prime | – |
Clearly higher and clearly lower mark a gap large enough to matter and unlikely to be chance for this many loans. Spread over Prime is the rate at approval minus Prime that day, so it is not today's rate. Rows with a dash are shown for reference.
Who lends in Georgia
The 4 lenders below made 60 of the 109 loans approved October 2019 to June 2026, or 55.0%. A lender is listed when it has 5 or more of them, five at most.
| Lender | Loans | Share here | U.S. share |
|---|---|---|---|
| Metro City Bank | 43 | 39.4% | 3.8% |
| First Community Bank (Lexington, SC) | 7 | 6.4% | Not in top 5 |
| HomeTrust Bank | 5 | 4.6% | Not in top 5 |
| Open Bank | 5 | 4.6% | Not in top 5 |
Share here is the lender's share of the loans in this state. U.S. share is its share of all loans to this industry nationally. Not in top 5 means it is not one of the five lenders with the most loans to the industry.
Liquor stores in other states
Other states where these loans differ clearly from the national pattern, most loans first.
| State | Loans since October 2019 |
|---|---|
| California | 245 |
| Colorado | 148 |
| New York | 117 |
| Michigan | 66 |
| Pennsylvania | 59 |
| Illinois | 57 |
| Texas | 53 |
More industries in Georgia
Other industries in Georgia with a clear difference from the national pattern, most loans first.
| Industry | Loans since October 2019 |
|---|---|
| Sit-down restaurants | 580 |
| Fast-food, pizza and counter-service restaurants | 497 |
| Child care centers and preschools | 241 |
| Gyms, fitness studios and recreational sports centers | 207 |
| Coffee shops, ice cream parlors, juice and tea bars and doughnut shops | 178 |
| Liquor stores | 153 |
| Home remodeling contractors | 148 |
| Gas stations with convenience stores | 142 |
How to read this
Counts come from SBA's 7(a) loan-level data release, as of June 30, 2026. The file lists loans SBA approved. It does not list declined applications, so it cannot show approval odds. We do not publish any figure built on fewer than 5 loans. Industry is the NAICS code recorded on each loan. Location is the borrower's address in the file. Loans are those approved October 1, 2019 to June 30, 2026. SBA's fiscal year runs October 1 to September 30. Each figure is set against the national figure for the same period. A gap is called clear when it is large enough to matter and unlikely to be chance for this many loans. A comparison with no clear gap in the loans is not published. Express counts SBA Express and Export Express loans. Lines of credit are loans SBA's file flags as revolving. How we build these pages.
Download this page's data: JSON · CSV
Cite this page: SBA loans to liquor stores in Georgia under the 2017 NAICS code. SBA Express Loans, Janover Capital LLC (data as of June 30, 2026). https://www.sbaexpress.loans/industries/beer-wine-liquor-stores/georgia/
Ask lending partners about your loan in Georgia
Tell us your state, loan amount and purpose, and we route your inquiry to lending partners.
Janover Capital LLC is not a lender and is not the SBA. The lender makes the credit decision. A lender or marketplace may pay us a referral fee if we connect you, at no cost to you. Advertiser disclosure.