Beer, Wine, and Liquor Retailers acquisitions in New York: SBA loan data
Since FY2018, SBA lenders have approved 108 7(a) loans to buy an existing business classified as Beer, Wine, and Liquor Retailers in New York, totaling $92.6M. The median loan was $600,500. That is 7.1% of the 1,530 acquisition loans in New York.
- Loans, FY2018-FY2026
- 108
- Median loan
- $600,500 (middle half $350,000 to $900,000)
- Top lender
- Provident Bank (30%, 32 loans)
- Charge-off, FY2018-FY2021 loans
- 0.0% (all-acquisition: 3.5%)
- FY2026 loans (latest complete year)
- 12
SBA lenders approved 108 7(a) loans to buy a business classified as Beer, Wine, and Liquor Retailers in New York from FY2018-FY2026, with a median of $600,500 and a middle half of $350,000 to $900,000. Provident Bank made 30% of them. FY2026 had 12 loans.
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How Beer, Wine, and Liquor Retailers in New York compares
| Measure | Beer, Wine, and Liquor... | New York, all industries | Beer, Wine, and Liquor..., nationwide | All acquisitions |
|---|---|---|---|---|
| Median loan | $600,500 | $577,500 | $650,000 | $645,250 |
| Middle half of loans | $350,000 to $900,000 | $220,000 to $1,356,000 | $370,875 to $1,166,250 | $283,000 to $1,465,000 |
| Average initial rate | 7.61% | 7.83% | 7.66% | 7.76% |
| Median term | 10 years | 10 years | 10 years | 10 years |
| Charge-off rate (seasoned loans) | 0.0% | 2.7% | 1.4% | 3.5% |
| Loans in sample | 108 | 1,530 | 1,736 | 48,902 |
The median for loans to buy liquor stores in New York is $600,500, in line with the $577,500 median for all New York acquisitions, slightly below the $650,000 median for Beer, Wine, and Liquor Retailers acquisitions nationwide and slightly below the $645,250 median for all SBA-financed acquisitions nationally.
The middle half runs $350,000 to $900,000, against $283,000 to $1,465,000 nationally; the median term is 10 years, the same as the national median; the average initial rate is 7.61%, in line with the 7.76% national average.
None of the seasoned loans were charged off, against 2.7% for all New York acquisitions, 1.4% for Beer, Wine, and Liquor Retailers acquisitions nationwide and 3.5% for all acquisition loans.
Loan size distribution
| Loan size | Beer, Wine, and Liquor... | All acquisitions |
|---|---|---|
| Under $350K | 23% | 30% |
| $350K to under $1M | 56% | 33% |
| $1M to under $2M | 12% | 19% |
| $2M and over | 9% | 17% |
Most loans to buy liquor stores in New York (79%) were under $1M, and the largest single band is $350K to under $1M at 56%, against 33% of all acquisition loans.
Bands are fixed dollar ranges chosen for comparison. They are not SBA program limits.
Lender concentration
Provident Bank made 30% of loans to buy liquor stores in New York, and the top three lenders together made 56%. 6 of the 34 lenders involved made three or more. A few banks carry most of the volume. That is a rough guide to how many banks have seen this kind of deal before.
Recent activity
In FY2025 and FY2026 combined, 21 loans to buy liquor stores in New York were approved. That is 25% fewer than the 28 approved in FY2023 and FY2024. The median was $650,000, slightly above the $600,500 median across all years.
Beer, Wine, and Liquor Retailers acquisition loans in New York by year
| Fiscal year | Loans | Total approved | Median loan | |
|---|---|---|---|---|
| FY2018 | 12 | $12.9M | $350,000 | |
| FY2019 | 8 | $10.9M | $740,000 | |
| FY2020 | 10 | $9.5M | $635,000 | |
| FY2021 | 20 | $13.8M | $450,000 | |
| FY2022 | 9 | $8.1M | $612,000 | |
| FY2023 | 18 | $12M | $575,500 | |
| FY2024 | 10 | $6.8M | $730,500 | |
| FY2025 | 9 | $5.3M | $550,000 | |
| FY2026 | 12 | $13.4M | $650,000 |
How often do these acquisition loans fail?
Of the 50 Beer, Wine, and Liquor Retailers in New York acquisition loans approved from FY2018 to FY2021 (the seasoned cohort, every loan at least about five years old), none have been charged off by the SBA. 20 have already been paid in full.
For comparison, Beer, Wine, and Liquor Retailers in New York has none charged off, against the 3.5% average across all SBA 7(a) acquisition loans in the same cohort. 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 | Provident Bank | 32 | 29.6% | $21M | |
| 2 | Manufacturers and Traders Trust Company | 16 | 14.8% | $5.9M | |
| 3 | Hanmi Bank | 13 | 12.0% | $11.6M | |
| 4 | Peapack Private Bank and Trust | 4 | 3.7% | $7.6M | |
| 5 | Northwest Bank | 4 | 3.7% | $1.2M |
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 New York run?
The median SBA 7(a) loan was $600,500 across 108 loans (FY2018 to FY2026), with the middle half between $350,000 and $900,000. 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 New York?
Provident Bank (32), Manufacturers and Traders Trust Company (16), Hanmi Bank (13), Peapack Private Bank and Trust (4), Northwest Bank (4). 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 New York?
Of 50 seasoned loans (FY2018 to FY2021), none were charged off, against the 3.5% rate for all SBA acquisition loans. With a sample this size, treat the figure as a direction, not a precise rate.
Are franchised businesses part of Beer, Wine, and Liquor Retailers acquisitions in New York?
None of the 108 loans in this combination were recorded with a franchise brand.
How much do you need down for an SBA loan to buy a liquor store in New York?
The SBA requires the buyer to make an equity injection, commonly 10% of total project cost, and a lender may ask for more. The SBA file does not record injections, so the figures here are the financed portion: the median for loans to buy liquor stores in New York was $600,500, and the middle half ran $350,000 to $900,000.
How long does an SBA acquisition loan take?
For a change-of-ownership 7(a) loan, 45 to 90 days from application to close is typical. It varies by lender and by how quickly third-party reports, such as the business valuation and appraisal, come back. The SBA file records approval dates, not application dates, so this site cannot measure it. Lenders approved 21 loans to buy liquor stores in New York in FY2025 and FY2026.
Which banks make SBA loans for a liquor store in New York?
By loan count, FY2018 to FY2026: Provident Bank (32), Manufacturers and Traders Trust Company (16), Hanmi Bank (13), Peapack Private Bank and Trust (4), Northwest Bank (4). Provident Bank made 30% of loans to buy liquor stores in New York. Counts show past approvals only and do not predict whether a lender will approve a particular deal.
Seller note standby terms and third-party consents are reviewed before closing.
Submit Transaction DetailsAlex Lubyansky leads every engagement.
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Related
- All New York acquisitions
- Financing one? How to get an SBA loan to buy a liquor store
- Beer, Wine, and Liquor Retailers nationally
- Beer, Wine, and Liquor Retailers in California
- Beer, Wine, and Liquor Retailers in Colorado
- Beer, Wine, and Liquor Retailers in Georgia
- Beer, Wine, and Liquor Retailers in Michigan
- Beer, Wine, and Liquor Retailers in New Jersey
- Beer, Wine, and Liquor Retailers in Texas
- Beer, Wine, and Liquor Retailers in Maryland
- Beer, Wine, and Liquor Retailers in Illinois
- Limited-Service Restaurants in New York
- Full-Service Restaurants in New York
- Hotels and Motels in New York
- Drycleaning and Laundry Services in New York
- Supermarkets and Other Grocery Retailers in New York
- Insurance Agencies and Brokerages in New York
- Funeral Homes and Funeral Services in New York
- General Automotive Repair in New York
Small samples move a lot: each loan in this combination is 1% of the count. Industry is the NAICS code the lender recorded. See the methodology.
Cite this data
SBA Acquisition Data, "Beer, Wine, and Liquor Retailers in New York: SBA acquisition loan data", https://sbaacquisitiondata.com/state/ny/beer-wine-and-liquor-retailers-445320 (data as of September 30, 2026). Source: U.S. Small Business Administration 7(a) loan file, data.sba.gov. Aggregated by SBA Acquisition Data.
The figures on this page are also published as JSON at https://sbaacquisitiondata.com/data/state/ny/beer-wine-and-liquor-retailers-445320.json.