Liquor store loans in Columbus at a glance

Columbus reports FY2017 to FY2026 approvals: 31 liquor store loans, $7.3 million gross. On liquor store, Columbus stands 30 of 426 among ranked areas. Within Columbus, liquor store is 14 of 39. Columbus's quotient is 0.41x: liquor store below the national share.

Columbus size and franchise status

Loan size in Columbus centres on $65,000, and its middle half runs between $50,000 and $231,600. Columbus stands at 0.14x against the national class median. Columbus loans run below the national middle. Columbus has 31 SBA 7(a) loans. Columbus has 0 SBA 504 loans. Columbus 504 loans fund property and equipment. In Columbus, 7(a) adds working capital or acquisitions. Columbus franchise share of loans is 0.00%. Columbus loans run smaller, so Columbus overruns weigh more.

Columbus loan holders and counties

Holder in Columbus: The Huntington National Bank, 13 loans, $1.1 million, SBA 7(a). Columbus SBA 7(a) holder: 8 loans, $867,200, Telhio Credit Union Inc. Listed Columbus names are current holders, per SBA. Columbus rows speak to files, not requirements. Columbus borrowers see holders, not lenders. Columbus has one county, Franklin County, OH, with all 25 loans.

Columbus years and liquor store coding limits

Columbus years print only in part. Columbus shows 6 loans, $870,200, in FY2017. Columbus shows 6 loans, $1.5 million, in FY2018. Columbus shows 6 loans, $702,400, in FY2025. Columbus shows 0 loans, $0, in FY2026. Other Columbus years stay blank on thin counts. Columbus blanks are silence, never zero, and Columbus treats FY2026 as complete. Columbus floors follow Loan Analytics' own rule. That Columbus cohort holds fewer than 30 loans. The Columbus cohort covers FY2017 to FY2021 disbursements. So Columbus prints no cancellation floor. So Columbus prints no charge-off floor. Columbus's blank floor is no zero. Columbus borrowers learn little from it. Any Columbus rate that prints is a floor. Columbus follows July 2023 boundaries. Columbus places loans by project county. Columbus drops loans lacking a placeable county.

Columbus: what a study must prove

Columbus liquor store projects open with the $65,000 median, a size check for Columbus. A liquor store study in Columbus begins with the license: whether it exists, whether it transfers, and what that does to the project timeline. In Columbus, inventory is a large share of the cash needed, so the study tests how fast stock turns and how it is financed. A Columbus lender will ask for sales and margin by category, and for the lease terms that set the shop's occupancy cost. Daniel Smith, MAI, signs each Columbus study. Columbus demand and cost come first. In Columbus, coverage follows, then the appraisal. No Columbus approval is promised by any study.

SBA liquor store loans in the Columbus, OH Metro Area

Loans approved, FY2017 to FY2026	31
Gross dollars approved	$7.3 million
Median loan	$65,000
Middle half of loans, from	$50,000
Middle half of loans, to	$231,600
SBA 7(a) loans	31
SBA 504 loans	0
Franchise share of loans	0.00%
Rank among metro and micro areas for liquor store loans	30 of 426
Rank of liquor store among the classes in this area	14 of 39
Location quotient (share of loans against the national share)	0.41x
Median loan against the national median for the class	0.14x

Cancellation and charge-off

Cancelled after approval, FY2017 to FY2024 approvals (a floor)	not reported: fewer than 30 loans in the cohort
Charged off to date, FY2017 to FY2021 disbursed loans (a floor)	withheld

Both rates are floors. SBA withholds the status of open loans, so a loan counts as charged off only once SBA reports it; a rate needs at least 30 loans in its cohort and is otherwise not reported.

SBA liquor store loans approved in the Columbus, OH Metro Area, by fiscal year

Fiscal year	Loans	Dollars
FY2017	6	$870,200
FY2018	6	$1.5 million
FY2019	withheld	withheld
FY2020	withheld	withheld
FY2021	withheld	withheld
FY2022	withheld	withheld
FY2023	withheld	withheld
FY2024	withheld	withheld
FY2025	6	$702,400
FY2026	0	$0

Most active SBA lenders

SBA 7(a): lenders by loans approved (the current holder of each loan, as SBA reports it)
Lender	Loans	Dollars
The Huntington National Bank	13	$1.1 million
Telhio Credit Union Inc	8	$867,200

Lenders with 5 or more loans here; a lender with fewer is not listed, and loans SBA or a receiver holds are counted but never listed as a lender.

Where the loans are, by county

County	Loans
Franklin County, OH	25

Counties with 5 or more loans; smaller ones are not listed.

Metro is the CBSA (metropolitan or micropolitan statistical area) of the loan's project county, July 2023 delineation (OMB Bulletin 23-01). The county is matched by name (manifests/ld2/county-cbsa-map.csv); a loan whose county cannot be placed in a 2023 CBSA is left out of every metro.

A value marked withheld rests on fewer than 5 loans, or is withheld so that such a figure cannot be derived from other published figures.

Source: U.S. Small Business Administration, 7(a) and 504 loan-level FOIA files (data.sba.gov), as of 2026-09-30; areas from the U.S. Census Bureau CBSA delineation, July 2023 (OMB Bulletin 23-01); Loan Analytics metro cell MA-18140-C37.

Related feasibility study pages

Loan Analytics prepares the feasibility study a lender reads before it commits: for a liquor store project in the Columbus, OH Metro Area, financed under SBA 7(a), SBA 504, USDA Business and Industry or a conventional bank loan. Tell us the project and the lender's deadline, and we reply with scope, timeline and fee.

Daniel Smith, MAI

Liquor Store Feasibility Study in the Columbus, OH Metro Area