SBA lending data · fiscal year 2025
25 lenders funded beer, wine, and liquor retailers in Georgia last year
43 SBA 7(a) loans approved under NAICS 445320. Median approval $1,368,000, median term 300 months, median initial rate 9%.
What was actually approved
Half of all approvals in this industry and state fell between $725,000 and $3,010,000. A request well outside that band is not impossible — it draws more scrutiny on collateral and management experience.
The most active lenders
Ranked by how many loans each actually approved in this industry and state — not by advertising spend. A lender that has written twenty of these already knows the questions to ask.
- 1Metro City Bank5 loans · $23.5M
- 2Renasant Bank3 loans · $1.7M
- 3Wallis Bank3 loans · $5.5M
- 4First Community Bank3 loans · $7M
- 5Oconee State Bank2 loans · $6.1M
- 6Community Bank of Pickens County2 loans · $6.2M
- 7BayFirst National Bank2 loans · $0.8M
- 8United Community Bank2 loans · $3.4M
- 9Commonwealth Business Bank2 loans · $2.5M
- 10US Metro Bank2 loans · $5.2M
- 11American Momentum Bank2 loans · $1.5M
- 12Craft Bank2 loans · $1M
This list is not a recommendation and these lenders have no relationship with this site. It reports approvals recorded in U.S. Small Business Administration, FOIA 7(a) and 504 loan approval data (data.sba.gov), fiscal year 2025, as of 2026-06-30.
Is this industry getting easier or harder to finance?
| Fiscal year | Loans | Lenders | Median approval |
|---|---|---|---|
| FY2023 | 45 | 17 | $1,725,000 |
| FY2024 | 44 | 19 | $1,950,000 |
| FY2025 | 43 | 25 | $1,368,000 |
Only completed fiscal years are shown. The SBA fiscal year ends 30 September; a partial year compared against full ones makes any industry look like it is closing.
Where this comes from
The SBA publishes every approved 7(a) and 504 loan under FOIA: the lender, the borrower's state, the industry code, the amount, the term and the initial rate. We indexed 4 fiscal years of it, alongside Census and BLS data. Figures on this page are as published on 2026-06-30.
This page reports approvals. It says nothing about how many applications were declined, and it is not a prediction about yours. This site is not affiliated with, endorsed by, or approved by the U.S. Small Business Administration.
Other industries in Georgia
- Full-Service Restaurants · 130 loans
- Limited-Service Restaurants · 123 loans
- Child Care Services · 55 loans
- Residential Remodelers · 50 loans
- Fitness and Recreational Sports Centers · 49 loans
- Snack and Nonalcoholic Beverage Bars · 49 loans
- Hotels (except Casino Hotels) and Motels · 42 loans
- Offices of Physicians (except Mental Health Specialists) · 38 loans
Beer, Wine, and Liquor Retailers in other states
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