SBA lending data · fiscal year 2025

20 lenders funded beer, wine, and liquor retailers in Texas last year

29 SBA 7(a) loans approved under NAICS 445320. Median approval $470,000, median term 120 months, median initial rate 9.75%.

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What was actually approved

29
loans approved
20
distinct lenders
$250k
25th percentile
$714k
75th percentile

Half of all approvals in this industry and state fell between $250,000 and $714,000. 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.

  1. 1Colony Bank3 loans · $0.8M
  2. 2PCB Bank2 loans · $3M
  3. 3Celtic Bank Corporation2 loans · $1M
  4. 4Open Bank2 loans · $1M
  5. 5Hanmi Bank2 loans · $2.4M
  6. 6The Huntington National Bank2 loans · $0.8M
  7. 7Prosperity Bank2 loans · $1M
  8. 8Northeast Bank2 loans · $0.2M
  9. 9First Internet Bank of Indiana1 loan · $0.6M
  10. 10Southwestern National Bank1 loan · $0.5M
  11. 11Lone Star Bank1 loan · $0.5M
  12. 12American Continental Bank1 loan · $0.3M

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 yearLoansLendersMedian approval
FY20233021$446,500
FY20243828$455,000
FY20252920$470,000

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 Texas

Beer, Wine, and Liquor Retailers in other states

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