Best SBA 7(a) lenders for beer, wine, and liquor stores
The top SBA 7(a) lenders for beer, wine, and liquor stores (NAICS 445310) are Hanmi Bank, TD Bank, National Association, Metro City Bank, ranked by loan volume. Between FY2020 and Q1 FY2026 (2025-12-31), the SBA 7(a) program approved 1,624 loans totaling $1.29B to businesses in this industry. Average loan size: $793K. Average rate: 5.85%. Industry-wide charge-off rate (FY2020–FY2023 cohort): 0.63%.
Loans
1,624
Total $
$1.29B
Avg loan
$793K
Avg rate
5.85%
Avg term
164 mo
Industry chg-off rate
0.63%
FY20–FY23 cohort
Top 15 lenders in this industry
| # | Lender | Loans | Total $ | Avg loan | Avg rate | Chg-off % |
|---|---|---|---|---|---|---|
| 1 | Hanmi Bank | 174 | $148.8M | $855K | 5.54% | 0.00% |
| 2 | TD Bank, National Association | 67 | $18.1M | $270K | 8.79% | 1.89% |
| 3 | Metro City Bank | 60 | $182.8M | $3.0M | 4.65% | 0.00% |
| 4 | U.S. Bank, National Association | 54 | $14.3M | $265K | 6.49% | 5.56% |
| 5 | The Huntington National Bank | 53 | $18.4M | $347K | 6.08% | 0.00% |
| 6 | Provident Bank | 47 | $34.4M | $731K | 5.72% | 0.00% |
| 7 | Bank of Hope | 41 | $18.9M | $461K | 5.57% | 0.00% |
| 8 | Manufacturers and Traders Trust Company | 39 | $8.6M | $222K | 6.98% | 5.13% |
| 9 | Open Bank | 37 | $47.0M | $1.3M | 5.28% | 0.00% |
| 10 | PCB Bank | 35 | $25.0M | $715K | 5.01% | 0.00% |
| 11 | Fulton Bank, National Association | 34 | $42.0M | $1.2M | 5.36% | 0.00% |
| 12 | Celtic Bank Corporation | 27 | $27.4M | $1.0M | 5.95% | 0.00% |
| 13 | VelocitySBA, LLC | 27 | $23.8M | $882K | 5.68% | 0.00% |
| 14 | Byline Bank | 24 | $25.2M | $1.1M | 6.18% | 0.00% |
| 15 | Wilmington Savings Fund Society FSB | 22 | $27.6M | $1.3M | 5.22% | 0.00% |
Get matched with SBA lenders — free
Tell us a bit about your funding need. We'll connect you to SBA-preferred lenders active in your industry and state. No obligation.
Methodology
Computed from the SBA 7(a) FOIA dataset (as of 2025-12-31), filtered to NAICS code 445310. Charge-off rates are calculated on the FY2020–FY2023 cohort only.