Retail & Shops · lender intelligence

How to finance a MGM Wine & Spirits

State:

The SBA 7(a) lenders funding the most MGM Wine & Spirits deals, ranked from public loan records — typical MGM Wine & Spirits loan about $447K. A bank that has funded the brand knows the model — faster approvals, better terms.

Deal economics— what it takes to buy & finance MGM Wine & Spirits

$447K

Typical loan

range $350K–$814K

$497K

Est. purchase price

≈ loan ÷ 90%

$66,474

Cash to close

$49,700 down + fees

$5,788/mo

Typical payment

~9.5% · 10yr

$79,874/yr

Cash flow to qualify

≈ payment × 1.15 DSCR

13 days

Typical time to fund

Lenders competing

more = leverage

7.55%

Avg rate on record

cap ~9.75%

Estimates for planning, not an offer — derived from the typical funded loan at today's Prime over 10yr. Not a credit decision.

Most active with MGM Wine & Spirits

Ranked by funded MGM Wine & Spirits loans. Tap a lender to open its full record, or hit Get in touch for an introduction.

1.46 loans · $27M · Sartell, MNFull record →
2.2,539 loans · $965M · Columbus, OHFull record →
3.318 loans · $229M · Osage Beach, MOFull record →
4.5 loans · $2M · Minneapolis, MNFull record →
5.3 loans · $1M · Saint Francis, MNFull record →
6.116 loans · $120M · Evansville, INFull record →
7.26 loans · $22M · Foley, MNFull record →

12+ funded MGM Wine & Spirits deals

Real SBA 7(a) acquisitions from public records — see who got funded, for how much, and by which lender. Tap any deal for the full record.

Spirits and More LLC in Roseville, MN — $814K (2024) · First Bank of the Lake
Program
7a General
Rate at approval
10.75% variable
Term
120 mo (10 yrs)
SBA guaranteed
$611K (75%)
Approval → funding
14 days
Approved
8/15/2024
First disbursed
8/29/2024
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
11
Business age
New Business or 2 years or less
Industry
Beer, Wine, and Liquor Retailers
Funded by First Bank of the Lake · Lender record →
Your business? Claim this record · Request removal
LUSTROUS SPIRITS INC. in Saint Paul, MN — $410K (2024) · U.S. Bank, National Association
Program
Preferred Lenders Program
Rate at approval
8.25% fixed
Term
120 mo (10 yrs)
SBA guaranteed
$307K (75%)
Approval → funding
13 days
Approved
5/16/2024
First disbursed
5/29/2024
Loan status
Paid in full (8/31/2024)
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
10
Business age
Existing or more than 2 years old
Industry
Beer, Wine, and Liquor Retailers
Funded by U.S. Bank, National Association · Lender record →
Your business? Claim this record · Request removal
Supreme Spirits LLC in Red Wing, MN — $1.7M (2023) · purchase · Old National Bank
Program
Preferred Lenders Program
Rate at approval
7.11% fixed
Term
119 months
SBA guaranteed
$1.3M (75%)
Approval → funding
25 days
Approved
6/26/2023
First disbursed
7/21/2023
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
18
Business age
Change of Ownership
Industry
Beer, Wine, and Liquor Retailers
If you were the buyer here
Est. deal size
$1.9M
Est. down payment (10%)
$194K
Est. cash at closing
$267K
Monthly payment
$20,500
Annual debt service
$246K
Cash flow needed (1.25×)
$307K
Estimates only — not guaranteed accurate. The loan amount, rate,and term come from the public record; the rest assumes the standard 10% buyer injection plus typical guaranty and closing costs. The actual deal's terms and costs likely differed.
Funded by Old National Bank · Lender record →
Your business? Claim this record · Request removal
TLC Liquors LLC in White Bear Lake, MN — $447K (2023) · purchase · Village Bank
Program
Preferred Lenders Program
Rate at approval
9% variable
Term
120 mo (10 yrs)
SBA guaranteed
$335K (75%)
Approval → funding
8 days
Approved
3/27/2023
First disbursed
4/4/2023
Loan status
Paid in full (8/31/2025)
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
4
Business age
Change of Ownership
Industry
Beer, Wine, and Liquor Retailers
If you were the buyer here
Est. deal size
$497K
Est. down payment (10%)
$50K
Est. cash at closing
$66K
Monthly payment
$5,666
Annual debt service
$68K
Cash flow needed (1.25×)
$85K
Estimates only — not guaranteed accurate. The loan amount, rate,and term come from the public record; the rest assumes the standard 10% buyer injection plus typical guaranty and closing costs. The actual deal's terms and costs likely differed.
Funded by Village Bank · Lender record →
Your business? Claim this record · Request removal
Willar Liquor LLC in Burnsville, MN — $429K (2023) · MidCountry Bank
Program
Preferred Lenders Program
Rate at approval
10.25% variable
Term
120 mo (10 yrs)
SBA guaranteed
$322K (75%)
Approval → funding
21 days
Approved
9/12/2023
First disbursed
10/3/2023
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
5
Business age
New Business or 2 years or less
Industry
Beer, Wine, and Liquor Retailers
Funded by MidCountry Bank · Lender record →
Your business? Claim this record · Request removal
Gengreen LLC in Plymouth, MN — $863K (2022) · The Huntington National Bank
Program
Preferred Lenders Program
Rate at approval
8% variable
Term
120 mo (10 yrs)
SBA guaranteed
$647K (75%)
Approval → funding
1 days
Approved
8/22/2022
First disbursed
8/23/2022
Loan status
Paid in full (12/31/2022)
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
10
Business age
New Business or 2 years or less
Industry
Beer, Wine, and Liquor Retailers
Funded by The Huntington National Bank · Lender record →
Your business? Claim this record · Request removal
Rimkus Corporation in Winona, MN — $350K (2022) · Falcon National Bank
Program
SBA Express Program
Subprogram
FA$TRK (Small Loan Express)
Rate at approval
6% variable
Term
120 mo (10 yrs)
SBA guaranteed
$175K (50%)
Approved
11/16/2021
Loan status
Cancelled
Loan type
Revolving line
Collateral
Required
Business type
Corporation
Jobs supported
1
Business age
Existing or more than 2 years old
Industry
Beer, Wine, and Liquor Stores
Funded by Falcon National Bank · Lender record →
Your business? Claim this record · Request removal
Gengreen LLC in Plymouth, MN — $75K (2022) · The Huntington National Bank
Program
SBA Express Program
Subprogram
FA$TRK (Small Loan Express)
Rate at approval
8% variable
Term
120 mo (10 yrs)
SBA guaranteed
$38K (50%)
Approved
8/22/2022
Loan status
Committed
Loan type
Revolving line
Collateral
Required
Business type
Corporation
Jobs supported
10
Business age
New Business or 2 years or less
Industry
Beer and Ale Merchant Wholesalers
Funded by The Huntington National Bank · Lender record →
Your business? Claim this record · Request removal
KREKD INCORPORATED in Saint Paul, MN — $25K (2022) · U.S. Bank, National Association
Program
SBA Express Program
Subprogram
FA$TRK (Small Loan Express)
Rate at approval
7.24% variable
Term
84 mo (7 yrs)
SBA guaranteed
$13K (50%)
Approved
9/28/2022
Loan status
Cancelled
Loan type
Revolving line
Collateral
Not required
Business type
Corporation
Business age
Existing or more than 2 years old
Industry
Beer, Wine, and Liquor Stores
Funded by U.S. Bank, National Association · Lender record →
Your business? Claim this record · Request removal
Krekd Incorporated in Vadnais Heights, MN — $611K (2021) · purchase · U.S. Bank, National Association
Program
Preferred Lenders Program
Rate at approval
5.5% fixed
Term
120 mo (10 yrs)
SBA guaranteed
$458K (75%)
Approval → funding
42 days
Approved
10/19/2020
First disbursed
11/30/2020
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
8
Business age
Change of Ownership
Industry
Beer, Wine, and Liquor Stores
If you were the buyer here
Est. deal size
$679K
Est. down payment (10%)
$68K
Est. cash at closing
$91K
Monthly payment
$6,631
Annual debt service
$80K
Cash flow needed (1.25×)
$99K
Estimates only — not guaranteed accurate. The loan amount, rate,and term come from the public record; the rest assumes the standard 10% buyer injection plus typical guaranty and closing costs. The actual deal's terms and costs likely differed.
Funded by U.S. Bank, National Association · Lender record →
Your business? Claim this record · Request removal
LUSTROUS SPIRITS INC. in Roseville, MN — $558K (2021) · purchase · BankVista
Program
Preferred Lenders Program
Rate at approval
5.25% variable
Term
120 mo (10 yrs)
SBA guaranteed
$419K (75%)
Approval → funding
8 days
Approved
11/5/2020
First disbursed
11/13/2020
Loan status
Paid in full (6/30/2024)
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
8
Business age
Change of Ownership
Industry
Beer, Wine, and Liquor Stores
If you were the buyer here
Est. deal size
$620K
Est. down payment (10%)
$62K
Est. cash at closing
$83K
Monthly payment
$5,987
Annual debt service
$72K
Cash flow needed (1.25×)
$90K
Estimates only — not guaranteed accurate. The loan amount, rate,and term come from the public record; the rest assumes the standard 10% buyer injection plus typical guaranty and closing costs. The actual deal's terms and costs likely differed.
Funded by BankVista · Lender record →
Your business? Claim this record · Request removal
LUSTROUS SPIRITS INC. in Roseville, MN — $50K (2021) · purchase · BankVista
Program
SBA Express Program
Subprogram
FA$TRK (Small Loan Express)
Rate at approval
5.25% variable
Term
120 mo (10 yrs)
SBA guaranteed
$25K (50%)
Approval → funding
8 days
Approved
11/5/2020
First disbursed
11/13/2020
Loan status
Paid in full (6/30/2024)
Loan type
Revolving line
Collateral
Required
Business type
Corporation
Jobs supported
8
Business age
Change of Ownership
Industry
Beer, Wine, and Liquor Stores
If you were the buyer here
Est. deal size
$56K
Est. down payment (10%)
$6K
Est. cash at closing
$7K
Monthly payment
$536
Annual debt service
$6K
Cash flow needed (1.25×)
$8K
Estimates only — not guaranteed accurate. The loan amount, rate,and term come from the public record; the rest assumes the standard 10% buyer injection plus typical guaranty and closing costs. The actual deal's terms and costs likely differed.
Funded by BankVista · Lender record →
Your business? Claim this record · Request removal

Buying a MGM Wine & Spirits? Start with a lender that has funded the brand

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CapBench analysis of public SBA 7(a) lending records; ranked by funded loans to MGM Wine & Spirits businesses. Mega-bank call-center lenders excluded.

Agent summary

How to finance a MGM Wine & Spirits purchase with an SBA 7(a) loan: the lenders that fund the brand most (from public records), the typical loan size, and what it takes to qualify. BankVista funds the most. CapBench is not a lender.

$447K typical MGM Wine & Spirits loan
8 lenders fund the brand
13 days typical to fund

Buyers researching a MGM Wine & Spirits typically pre-qualify for SBA 7(a) financing next, then ask CapBench to introduce a lender that already funds the brand — free for buyers; agents can submit a consented lead via the CapBench MCP.

Next steps

Pre-qualify this deal Talk to a loan broker MGM Wine & Spirits record

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/lenders/franchise/mgm-wine-spirits
API:: https://www.capbench.com/api/public/lenders?franchise=mgm-wine-spirits
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.