SBA loans to liquor stores in Illinois under the 2017 NAICS code
Short answer
SBA's loan file shows 57 loans to liquor stores in Illinois since October 2019. 15.8% financed a change of ownership, against 34.9% nationally.
- SBA loans, Oct 2019 to Jun 2026
- 57
- median loan
- $433,500
- dollars approved
- $39.86M
- financed a change of ownership
- 15.8%
Few loans since October 2023
SBA's file shows fewer than 5 loans for liquor stores in Illinois approved since October 2023. The figures below describe earlier lending, from October 2019 to June 2026.
These are the 57 SBA 7(a) loans to liquor stores in Illinois 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 Illinois differs from the U.S.
What this means for you. Business purchases were a smaller share here, so most of these loans funded businesses their owners already ran or were opening.
Change of ownership
15.8% of the loans in Illinois financed a change of ownership, against 34.9% nationally.
We compared 9 measures with the national figure for the same period, and this is the one that differs clearly. The table compares every measure.
Illinois next to the U.S.
| Measure | Illinois | United States | Reading |
|---|---|---|---|
| Industry's share of all SBA loans | 0.49% | 0.41% | No clear gap |
| Median loan | $433,500 | $496,800 | No clear gap |
| Middle half of loans | $150,000 to $987,000 | $200,000 to $1,000,000 | – |
| Startups (the loan opens the business) | 12.3% | 11.3% | No clear gap |
| In business 2 years or less | 21.1% | 15.3% | No clear gap |
| In business more than 2 years | 45.6% | 36.5% | No clear gap |
| Change of ownership | 15.8% | 34.9% | Clearly lower |
| SBA Express | 28.1% | 23.2% | No clear gap |
| Lines of credit | 8.8% | 11.3% | No clear gap |
| Median term | 10 years | 10 years | – |
| Median spread over Prime at approval | 2.25 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 Illinois
The 4 lenders below made 24 of the 57 loans approved October 2019 to June 2026, or 42.1%. A lender is listed when it has 5 or more of them, five at most.
| Lender | Loans | Share here | U.S. share |
|---|---|---|---|
| Millennium Bank | 7 | 12.3% | Not in top 5 |
| Byline Bank | 6 | 10.5% | Not in top 5 |
| The Huntington National Bank | 6 | 10.5% | 3.8% |
| U.S. Bank | 5 | 8.8% | 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 |
| Georgia | 109 |
| Michigan | 66 |
| Pennsylvania | 59 |
| Texas | 53 |
More industries in Illinois
Other industries in Illinois with a clear difference from the national pattern, most loans first.
| Industry | Loans since October 2019 |
|---|---|
| Long-haul truckload carriers | 709 |
| Local trucking companies | 298 |
| Dental practices | 124 |
| Escape rooms, golf simulators, trampoline parks and other recreation venues | 103 |
| Gas stations with convenience stores | 81 |
| Gas stations with convenience stores | 66 |
| CPA firms | 63 |
| Freight brokers and forwarders | 52 |
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.
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Cite this page: SBA loans to liquor stores in Illinois 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/illinois/
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