Liquor Store Feasibility Study in the Dallas-Fort Worth-Arlington, TX Metro Area

Liquor stores are entirely a 7(a) story here

All 141 liquor store loans in Dallas-Fort Worth carry the 7(a) label: the 504 count prints as 0. That is the first feature of this cell, and the national class record may not share it. SBA approved the loans across FY2017 to FY2026 for $138.0 million gross, which puts the area 11 of 426 nationally and the class only 13 of 39 locally. A location quotient of 0.84x says liquor stores are somewhat less common here than the national share. The franchise share is 0.00%.

The loans are substantial. The median is $652,200, equal to 1.45x the national median; the lower quartile is $277,000 and the upper quartile $1.4 million. Those figures suggest purchases of going concerns with inventory and goodwill, and a study must therefore weigh the price paid, the inventory financed, the licence and the lease. Dallas County has 49 loans, Tarrant 39, Collin 25, Denton 18 and Parker 5.

Holders

No development company is listed, consistent with the absence of 504 loans. Bank holders: Wells Fargo Bank National Association (5 loans, $4.3 million); Celtic Bank Corporation (8 loans, $8.1 million); Bank of Hope (7 loans, $11.3 million); American Continental Bank (7 loans, $6.3 million); Open Bank (6 loans, $4.2 million). Each row reflects loans held or once held.

Loss evidence

Cancellation after approval has a floor of 9.5%, with no ceiling published. Charge-offs likewise carry no printed rate for Dallas-Fort Worth liquor stores, and a missing rate should never be assumed to be zero.

Dallas County leads with 49 loans and Tarrant follows with 39, then Collin with 25, Denton with 18 and Parker with 5. A store in Parker County works from a thin local record, whereas one in Dallas County sits among many comparable loans. Because the class ranks 13 of 39 locally, liquor stores are a mid-table borrower here, not a headline one, and lenders may treat a request as a niche retail purchase and examine the seller's records closely.

A liquor store study should test the state licence and its transferability, location relative to competing stores and grocery chains, inventory turns, the lease, and coverage at a loan near $652,200. The study should also confirm local rules that affect where a store may stand. Liquor store loans in Dallas, Tarrant, Collin, Denton and Parker counties are counted when the county on the loan appears in the July 2023 delineation; a store loan that fails the lookup belongs to no metro, so 141 is a floor.