How we can help
Remodels, beer caves, wine rooms, and signage are exactly what our program is built for. Fixed payments up to 36 months, with interest-only options available on some programs.
Check if my store qualifies →Key takeaways
- Lenders underwrite expansions mainly on your existing store's proven cash flow.
- A second location usually requires a separate license and approval. Start that process early.
- Bundle equipment, build-out, and opening inventory into one long-term loan when possible.
- Keep enough working capital so a slow ramp-up at the new location doesn't hurt the original store.
Market overview
- Common sources
- SBA 7(a), term loans, equipment financing, 504 for real estate
- Amounts
- $25,000–$5M+
- Terms
- 3–10 years (25 with real estate)
- Key underwriting
- Existing store's cash flow + plan for new revenue
- Time to fund
- 2–8 weeks (term), 45–90 days (SBA)
Typical market ranges, not offers.
Common expansion projects
- Walk-in beer cave or expanded cooler doors
- Dedicated wine room or temperature-controlled premium spirits section
- Tasting bar (where your license and local rules permit sampling)
- Expanding into adjacent space
- Façade, lighting, and signage upgrades
- Adding delivery or e-commerce operations
- Opening or acquiring a second (or third) store
Choosing the right financing
| Project | Recommended financing |
|---|---|
| Remodel under ~$150K | Term loan, equipment financing, or SBA Express |
| Major remodel / build-out | SBA 7(a) with up to 10-year term |
| Coolers and equipment only | Equipment financing |
| Buying a second store | Acquisition loan (SBA 7(a)) |
| Buying a building to expand | SBA 504 or commercial mortgage |
What lenders want to see
- 2–3 years of tax returns for the existing store showing steady or growing profits
- Contractor bids and a project budget with a 10%–15% contingency
- Projections showing how the project increases sales or margin (for example, cold beer sales from added cooler doors)
- For a second location: site analysis, lease or purchase agreement, license plan, and management plan
- Global cash flow: lenders will look at all your businesses and personal obligations together
Expert tip
Use your POS data to prove demand. If you're out of cold 12-packs every Friday, or wine over $25 is your fastest-growing category, show the lender. Real sales data from your own store is far more convincing than industry averages.
Frequently asked questions
Can I use an SBA loan to open a second liquor store?
Do I need a separate liquor license for a second location?
Will remodeling affect my liquor license?
Sources
We cite primary sources: federal agencies, regulations, and official program rules. Rules vary by state and change over time.
General education, not legal, tax, or financial advice. Loan programs, state alcohol laws, and lender requirements change and vary by state. Disclosures.