Beer, Wine, and Liquor Retailers acquisitions in Wisconsin: 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 Wisconsin, totaling $13.3M. The median loan was $499,750. That is 1.4% of the 1,452 acquisition loans in Wisconsin.
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How this compares
The median Beer, Wine, and Liquor Retailers loan in Wisconsin is 11% lower than the $562,750 median for all Wisconsin acquisitions, and 23% 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 2.6% of seasoned Wisconsin acquisition loans of any type.
Beer, Wine, and Liquor Retailers acquisition loans in Wisconsin by year
| Fiscal year | Loans | Total approved | Median loan | |
|---|---|---|---|---|
| FY2018 | 2 | $556K | $278,200 | |
| FY2019 | 3 | $2.7M | $1,105,000 | |
| FY2020 | 2 | $1.1M | $533,100 | |
| FY2021 | 4 | $1.4M | $234,500 | |
| FY2022 | 2 | $1.8M | $903,000 | |
| FY2023 | 1 | $518K | $518,000 | |
| FY2024 | 2 | $1000K | $499,750 | |
| FY2025 | 2 | $2.8M | $1,400,100 | |
| FY2026 | 2 | $1.5M | $730,000 |
How often do these acquisition loans fail?
Fewer than 20 Beer, Wine, and Liquor Retailers in Wisconsin 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 | Byline Bank | 6 | 30.0% | $6.8M | |
| 2 | Nicolet National Bank | 2 | 10.0% | $1M | |
| 3 | One Community Bank | 1 | 5.0% | $1.5M | |
| 4 | National Exchange Bank and Trust | 1 | 5.0% | $610K | |
| 5 | Centerstone SBA Lending, Inc. | 1 | 5.0% | $518K |
Top franchise brands
| # | Franchise | Loans | Share | Dollars | |
|---|---|---|---|---|---|
| 1 | The UPS Store | 1 | 5.0% | $518K |
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Questions buyers ask
How much do SBA loans for Beer, Wine, and Liquor Retailers acquisitions in Wisconsin run?
The median SBA 7(a) loan was $499,750 across 20 loans (FY2018 to FY2026), with the middle half between $292,500 and $906,625. 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 Wisconsin?
Byline Bank (6), Nicolet National Bank (2), One Community Bank (1), National Exchange Bank and Trust (1), Centerstone SBA Lending, Inc. (1). 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 Wisconsin?
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 Wisconsin?
1 of the 20 loans (5%) involved a franchise brand, most often The UPS Store (1).
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Related
- All Wisconsin acquisitions
- Financing one? How to get an SBA loan to buy a liquor store
- Beer, Wine, and Liquor Retailers nationally
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- Beer, Wine, and Liquor Retailers in New York
- 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
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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.