SBA lending record

Krekd Incorporated

1050 HIGHWAY 96, Vadnais Heights, MN 55127 · Beer, Wine, and Liquor Stores. The complete public SBA 7(a) record for this business — every loan, every field, the lender, and the map.

$636K

Total SBA financing

Loans on record

FY2021–22

On record

Jobs supported

Franchise brand

MGM Wine & Spirits

See MGM Wine & Spirits's SBA financing data — typical deal, failure rate, and how its loans perform →

● business — business location is the ZIP-area centroid from the public record

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All 2 loans

$25,000 — FY2022

Loan 1 of 2

Gross approval: $25,000
SBA guaranteed: $12,500 (50%)
Status: Cancelled
Rate at approval: 7.24% v
Term: 84 mo (7 yr)
Program: SBA Express Program
Subprogram: FA$TRK (Small Loan Express)
Loan type: Term loan
Purpose: Other / working capital
Approved: 9/28/2022
Collateral: None
Business type: Corporation
Business age: Existing or more than 2 years old
Industry: Beer, Wine, and Liquor Stores
NAICS code: 445310
Franchise: MGM Wine & Spirits
Franchise code: S1040
Lender: U.S. Bank, National Association
Address: 1050 HIGHWAY 96 E
City: Saint Paul, 55127
County: Ramsey
SBA district office: MINNESOTA DISTRICT OFFICE
Congressional district: 4

$611,000 — FY2021

Loan 2 of 2

Gross approval: $611,000
SBA guaranteed: $458,250 (75%)
Status: Current
Rate at approval: 5.5% f
Term: 120 mo (10 yr)
Program: Preferred Lenders Program
Subprogram: Guaranty
Loan type: Term loan
Purpose: Business purchase
Approved: 10/19/2020
First disbursement: 11/30/2020
Days to fund: 42 days
Collateral: Required
Jobs supported: 8
Business type: Corporation
Business age: Change of Ownership
Industry: Beer, Wine, and Liquor Stores
NAICS code: 445310
Franchise: MGM Wine & Spirits
Franchise code: S1040
Lender: U.S. Bank, National Association
Address: 1050 HIGHWAY 96
City: Vadnais Heights, 55127
County: Ramsey
SBA district office: MINNESOTA DISTRICT OFFICE
Congressional district: 4

The lender

U.S. Bank, National Association

2 loans to this businessFull SBA lending record + branches on the lender page →

Find SBA lenders for businesses like this

The banks most active funding beer, wine, and liquor stores — by location, industry, and brand.

SBA lenders in Minnesota Lenders for beer, wine, and liquor stores Beer, Wine, and Liquor Stores lenders in Minnesota MGM Wine & Spirits lenders MGM Wine & Spirits lenders in Minnesota

Other MGM Wine & Spirits locations

Other MGM Wine & Spirits businesses in the public SBA record — closest first, by location and deal size.

TLC Liquors LLC

White Bear Lake, MN· ~3 mi

MGM Wine & Spirits

$447K
SBA financing: ≈ $877K–$1.5M
Est. revenue (rough)

View record

Spirits and More LLC

Roseville, MN· ~7 mi

MGM Wine & Spirits

$814K
SBA financing: ≈ $1.6M–$2.7M
Est. revenue (rough)

View record

LUSTROUS SPIRITS INC.

Roseville, MN· ~7 mi

MGM Wine & Spirits

$1.0M
SBA financing: ≈ $2.0M–$3.4M
Est. revenue (rough)

View record

Gengreen LLC

Plymouth, MN· ~19 mi

MGM Wine & Spirits

$938K
SBA financing: ≈ $1.8M–$3.1M
Est. revenue (rough)

View record

Willar Liquor LLC

Burnsville, MN· ~23 mi

MGM Wine & Spirits

$429K
SBA financing: ≈ $841K–$1.4M
Est. revenue (rough)

View record

Supreme Spirits LLC

Red Wing, MN· ~42 mi

MGM Wine & Spirits

$1.7M
SBA financing: ≈ $3.4M–$5.7M
Est. revenue (rough)

View record

Similar businesses

Comparable beer, wine, and liquor stores in the public SBA 7(a) record — matched on industry, then location and deal size. Public records, not for-sale listings.

SPMG HOLDING INC

Saint Paul, MN· ~0 mi

Beer, Wine, and Liquor Stores

$464K
SBA financing: ≈ $910K–$1.5M
Est. revenue (rough)

View record

Cellars WHL Inc

White Bear Lake, MN· ~4 mi

Beer, Wine, and Liquor Stores

$450K
SBA financing: ≈ $883K–$1.5M
Est. revenue (rough)

View record

D & A Maikkula Corporation

Minneapolis, MN· ~12 mi

Beer, Wine, and Liquor Stores

$630K
SBA financing: ≈ $1.2M–$2.1M
Est. revenue (rough)

View record

SAVANS Inc

Coon Rapids, MN· ~12 mi

Beer, Wine, and Liquor Stores

$804K
SBA financing: ≈ $1.6M–$2.6M
Est. revenue (rough)

View record

Oakdale liquor Inc.

Saint Paul, MN· ~8 mi

Beer, Wine, and Liquor Stores

$337K
SBA financing: ≈ $661K–$1.1M
Est. revenue (rough)

View record

Starlights 168 Liquor LLC

Saint Paul, MN· ~14 mi

Beer, Wine, and Liquor Stores

$464K
SBA financing: ≈ $909K–$1.5M
Est. revenue (rough)

View record

Agent summary

This page summarizes the public SBA 7(a) lending record for Krekd Incorporated in Vadnais Heights, MN (Beer, Wine, and Liquor Stores). CapBench compiles public SBA loan data, lender activity, and business signals to help buyers and advisors evaluate acquisition financing — it does not list this business for sale.

2 SBA 7(a) loans totaling $636K
On record FY2021–22
8 jobs supported
Industry: Beer, Wine, and Liquor Stores
Location: Vadnais Heights, MN
Lender: U.S. Bank, National Association

Buyers researching a deal like this usually check lender fit next: see the SBA lenders most active with Beer, Wine, and Liquor Stores businesses in MN for ~$318k deals, then pre-qualify for 7(a) financing before making an offer. CapBench can arrange a lender introduction — free for buyers.

Next steps

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Data freshness:: SBA records through 2026-05-31; FDIC through 2026-03-31; page updated 2026-06-17.
Sources:: Public SBA 7(a) loan records; FDIC institution data (BankFind); CapBench lender and franchise enrichment.
Canonical:: https://www.capbench.com/businesses/krekd-incorporated-mn
API:: https://www.capbench.com/api/public/businesses/krekd-incorporated-mn
Methodology:: Sources & methodology

Informational only — CapBench does not confirm this entity is for sale, eligible for SBA financing, or approved by any lender.
Figures come from public records and CapBench methodology; verify before relying on them.
Financing figures are historical loan records, not a current offer or a loan approval. CapBench is not a lender.

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CapBench listing built from public SBA 7(a) lending records. Figures are as reported; verify before relying on them. Not affiliated with Krekd Incorporated.