Breweries: SBA business acquisition loan data
44 SBA 7(a) loans since FY2018 financed the purchase of an existing business classified as Breweries (NAICS 312120), totaling $39.5M. Median loan $476,600, 26% lower than the all-acquisition median.
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Reading this industry's numbers
- Deal size. The loan excludes the buyer's equity and any seller note and may include working capital. A loan request far above $918,625 would be in the top quarter of SBA acquisition loans in this industry.
- Share of all acquisitions. This industry is 0.1% of all SBA-financed business purchases, ranking #176 of 300 industries tracked.
- Geography. California leads with 6 loans; the top five states account for 50% of the industry's acquisitions.
- Jobs. Lenders reported 865 jobs supported across these loans, about 19.7 per acquisition, a rough proxy for the size of business changing hands.
Breweries acquisitions by year
| Fiscal year | Loans | Total approved | Median loan | |
|---|---|---|---|---|
| FY2018 | 2 | $1.4M | $712,500 | |
| FY2019 | 6 | $2.6M | $469,700 | |
| FY2020 | 2 | $292K | $146,000 | |
| FY2021 | 5 | $4.8M | $250,000 | |
| FY2022 | 4 | $3.2M | $849,500 | |
| FY2023 | 8 | $11.3M | $698,250 | |
| FY2024 | 4 | $2.2M | $515,000 | |
| FY2025 | 8 | $10.7M | $488,000 | |
| FY2026 | 5 | $3.1M | $350,000 |
How often do these acquisition loans fail?
Fewer than 20 Breweries acquisition loans are old enough to measure losses reliably, so no charge-off rate is shown. The benchmark across all SBA acquisition loans in the FY2018 to FY2021 cohort is 3.5% by count. Non-acquisition 7(a) loans (every other stated purpose) approved FY2018 to FY2021 charged off at 6.2%.
"Charged off" is the SBA's final loss action on a defaulted loan after collection efforts. It lags default by a year or more, which is why only older cohorts are measured. It is not the same as a delinquency rate, and loans still outstanding can still fail. See charge-off in the glossary.
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Top states
| # | State | Loans | Share | Dollars | |
|---|---|---|---|---|---|
| 1 | California | 6 | 13.6% | $3.5M | |
| 2 | Colorado | 4 | 9.1% | $5M | |
| 3 | Pennsylvania | 4 | 9.1% | $2.1M | |
| 4 | Minnesota | 4 | 9.1% | $1.5M | |
| 5 | Massachusetts | 4 | 9.1% | $1.4M | |
| 6 | New York | 3 | 6.8% | $865K | |
| 7 | North Carolina | 2 | 4.5% | $4.5M | |
| 8 | Texas | 2 | 4.5% | $4.3M | |
| 9 | New Mexico | 2 | 4.5% | $3.7M | |
| 10 | Ohio | 2 | 4.5% | $1.1M |
Most active lenders
| # | Lender | Loans | Share | Dollars | |
|---|---|---|---|---|---|
| 1 | Live Oak Banking Company | 9 | 20.5% | $15.3M | |
| 2 | Eastern Bank | 3 | 6.8% | $442K | |
| 3 | Manufacturers and Traders Trust Company | 2 | 4.5% | $753K | |
| 4 | First Commonwealth Bank | 2 | 4.5% | $320K | |
| 5 | FDIC - Community Bank & Trust-West Georgia | 1 | 2.3% | $5M | |
| 6 | Midwest Regional Bank | 1 | 2.3% | $3.6M | |
| 7 | Countybank | 1 | 2.3% | $1.8M | |
| 8 | First Resource Bank | 1 | 2.3% | $1.5M | |
| 9 | Guaranty Bank and Trust Company | 1 | 2.3% | $1.3M | |
| 10 | American Business Bank | 1 | 2.3% | $1M |
Terms signed in the LOI shape the purchase agreement that follows.
Request Engagement AssessmentFree consultation. All 50 states.
Questions buyers ask
How much is a typical SBA loan to buy a business in Breweries?
Median $476,600 across 44 acquisition loans (FY2018 to FY2026); the middle half ran $200,000 to $918,625. That is 26% lower than the $645,250 median for all SBA-financed acquisitions.
Which lenders finance the most Breweries acquisitions?
Live Oak Banking Company (9), Eastern Bank (3), Manufacturers and Traders Trust Company (2), First Commonwealth Bank (2), FDIC - Community Bank & Trust-West Georgia (1).
Are businesses in Breweries often franchised?
Rarely. Only 2% of acquisition loans in this industry involved a franchised business; most are independent operators.
How risky are SBA loans for buying a business in Breweries?
Too few loans are old enough to measure for this industry. The all-acquisition benchmark is 3.5%.
What loan terms are common for Breweries acquisitions?
Median term 10 years, average initial rate 7.97% at approval (blended across years and fixed/variable structures). Terms longer than 10 years usually indicate real estate was included in the purchase.
The purchase agreement decides what you bought, not the loan approval.
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