SBA Loans for Liquor Stores

Programs to Cover

SBA 7(a) Loan

• Maximum: $5 million
• Use cases: business acquisition, working capital, commercial real estate
• Most commonly used when buying an existing liquor store
• Requires SBA-approved lender; guarantee reduces lender risk

SBA 504 Loan

• Maximum: ~$5.5 million for eligible projects
• Use cases: purchasing a building, major renovations, heavy equipment
• Best for owners looking to own their real estate rather than lease

SBA Microloan

• Maximum: $50,000
• Use cases: inventory, shelving, POS systems, small renovations
• Better fit for early-stage or smaller operations
• Requires business plan, financials, and tax returns

Underwriting Notes

• More rigorous application than online short-term options
• Lender will verify active TTB registration and state liquor license
• Compliance history reviewed as part of underwriting
• Longer approval timelines but better terms