SBA 7(a) Liquor Store Feasibility Study in Arizona

Liquor store loans in Arizona: size and franchising

Counting FY2017 to FY2026, Arizona shows 31 SBA 7(a) approvals for liquor stores, adding up to $26.0 million in gross dollars. A typical Arizona approval is $750,000, while the middle half of liquor stores loans reaches from $202,000 to $1.0 million. In comparison with liquor stores nationally under SBA 7(a), Arizona posts a ratio of 1.70x, so a typical Arizona loan for liquor stores runs bigger than nationwide. Look first at 1.70x: it sets Arizona liquor stores apart from both parent pages of Arizona. The franchise share is 0.00%; owners of Arizona liquor stores operate independently.

Rank 28 among states and 21 of 39 among Arizona classes: that is how Arizona liquor stores stand under SBA 7(a). FY2019 was the Arizona high point, 10 loans and $4.2 million together, and FY2026 records 1 loans for $2.3 million. Arizona's 7(a) liquor median is well over the national figure, and that ratio defines this cell; no franchise flags appear, so the borrowers are independent operators.

No holder table exists for 31 Arizona loans, so a liquor store borrower asks lenders in Arizona directly. Geographically, Maricopa stands first with 24, Pima second with 3, and Coconino third with 2. Smaller counts appear in Pinal 1 and Yavapai 1.

Arizona outcomes: cancellations, charge-offs and code limits

With 31 liquor stores loans in Arizona, FY2017 to FY2024 Arizona approvals run thin, and Arizona charge-off counts stay unpublished. Read both gaps as unknowns. Conventional loans in Arizona stay outside this file. Read these Arizona figures as history for liquor stores; whether a Arizona project is financed depends on that project alone.

Testing an Arizona liquor store

A ratio of 1.70x marks this cell, and the study should say why loans near Maricopa outsize the national figure: buying a going business with its license, a larger building or heavy opening stock. Confirm that the license transfers before anything else. Inventory ties up cash, and spirits, wine and beer earn different margins, so test payments on a loan near $750,000 when high-margin lines grow slowly. California limits on when the store may sell and deliver cap its revenue. An appraiser separates license, stock and building.