SBA lending data · fiscal year 2025
18 lenders funded beer, wine, and liquor retailers in New Jersey last year
42 SBA 7(a) loans approved under NAICS 445320. Median approval $990,000, median term 120 months, median initial rate 10%.
What was actually approved
Half of all approvals in this industry and state fell between $500,000 and $1,580,250. 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.
- 1Fulton Bank, National Association6 loans · $7.9M
- 2Provident Bank5 loans · $8.1M
- 3TD Bank, National Association5 loans · $8.6M
- 4Wilmington Savings Fund Society FSB4 loans · $5.9M
- 5Manasquan Bank3 loans · $1.3M
- 6Peapack Private Bank and Trust3 loans · $3.4M
- 7Hanover Community Bank2 loans · $6.8M
- 8Readycap Lending, LLC2 loans · $0.9M
- 9Commercial Bank of California2 loans · $2M
- 10Manufacturers and Traders Trust Company2 loans · $0.1M
- 11Firstrust Savings Bank1 loan · $0.7M
- 12InBank1 loan · $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 | 43 | 15 | $940,000 |
| FY2024 | 33 | 19 | $610,000 |
| FY2025 | 42 | 18 | $990,000 |
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 New Jersey
- Full-Service Restaurants · 138 loans
- Residential Remodelers · 95 loans
- Limited-Service Restaurants · 81 loans
- Fitness and Recreational Sports Centers · 74 loans
- General Freight Trucking, Local · 73 loans
- Landscaping Services · 58 loans
- Beauty Salons · 54 loans
- Plumbing, Heating, and Air-Conditioning Contractors · 45 loans
Beer, Wine, and Liquor Retailers in other states
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