Beer, Wine, and Liquor Retailers acquisitions in Indiana: SBA loan data
Since FY2018, SBA lenders have approved 20 7(a) loans to buy an existing business classified as Beer, Wine, and Liquor Retailers in Indiana, totaling $15.3M. The median loan was $529,750. That is 1.7% of the 1,158 acquisition loans in Indiana.
Terms signed in the LOI shape the purchase agreement that follows.
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How this compares
The median Beer, Wine, and Liquor Retailers loan in Indiana is in line with the $521,250 median for all Indiana acquisitions, and 19% lower than the $650,000 median for Beer, Wine, and Liquor Retailers acquisitions nationwide (1,736 loans).
This combination has too few seasoned loans for a reliable charge-off rate. Nationally, 1.4% of seasoned Beer, Wine, and Liquor Retailers acquisition loans were charged off, and 3.1% of seasoned Indiana acquisition loans of any type.
Beer, Wine, and Liquor Retailers acquisition loans in Indiana by year
| Fiscal year | Loans | Total approved | Median loan | |
|---|---|---|---|---|
| FY2018 | 0 | $0 | - | |
| FY2019 | 3 | $3.4M | $552,500 | |
| FY2020 | 5 | $2.4M | $507,000 | |
| FY2021 | 4 | $2.9M | $476,800 | |
| FY2022 | 2 | $1.2M | $604,000 | |
| FY2023 | 1 | $1.3M | $1,324,800 | |
| FY2024 | 3 | $1M | $100,000 | |
| FY2025 | 1 | $1.5M | $1,525,000 | |
| FY2026 | 1 | $1.5M | $1,500,000 |
How often do these acquisition loans fail?
Fewer than 20 Beer, Wine, and Liquor Retailers in Indiana 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 lenders
| # | Lender | Loans | Share | Dollars | |
|---|---|---|---|---|---|
| 1 | First Merchants Bank | 3 | 15.0% | $3.6M | |
| 2 | Merchants Bank of Indiana | 3 | 15.0% | $3.4M | |
| 3 | State Bank | 3 | 15.0% | $1.6M | |
| 4 | Centier Bank | 2 | 10.0% | $2.4M | |
| 5 | 1st Source Bank | 2 | 10.0% | $722K |
Top franchise brands
No franchise brands recorded in this combination.
Seller note standby terms and third-party consents are reviewed before closing.
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Questions buyers ask
How much do SBA loans for Beer, Wine, and Liquor Retailers acquisitions in Indiana run?
The median SBA 7(a) loan was $529,750 across 20 loans (FY2018 to FY2026), with the middle half between $423,700 and $1,023,075. The loan excludes the buyer's equity and any seller note and may include working capital, so the price is usually higher than the loan.
Which banks finance Beer, Wine, and Liquor Retailers acquisitions in Indiana?
First Merchants Bank (3), Merchants Bank of Indiana (3), State Bank (3), Centier Bank (2), 1st Source Bank (2). Some lenders repeatedly finance this industry in this state; the counts above show which.
How often do Beer, Wine, and Liquor Retailers acquisition loans fail in Indiana?
Fewer than 20 loans in this combination are old enough to measure losses reliably, so no rate is shown. The national benchmark for all SBA acquisition loans is 3.5% (FY2018 to FY2021 cohort).
Are franchised businesses part of Beer, Wine, and Liquor Retailers acquisitions in Indiana?
None of the 20 loans in this combination were recorded with a franchise brand.
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Related
- All Indiana acquisitions
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Small samples move a lot: each loan in this combination is 5% of the count. Industry is the NAICS code the lender recorded. See the methodology.