Powered by LevrNAICS 445320: Beer, wine, and liquor retailers
NAICS 445320 is the industry code for beer, wine, and liquor retailers. Use it on loan applications, tax forms and registrations. Explore financing for retail and start your application when you are ready.
What 445320 covers
Beer, wine and liquor retailers sell packaged alcoholic beverages for consumption off the premises. It covers neighborhood liquor stores, wine shops and online alcohol retailers.
New code in NAICS 2022, replacing 445310 and including online alcohol retailers formerly in 454110.
Included in this code
- Liquor stores
- Wine shops
- Beer stores
- Online wine retailers
Not this code
- Bars: see 722410 Drinking places (Alcoholic beverages)
- Wine wholesale: see 424820 Wine and distilled alcoholic beverage merchant wholesalers
- Convenience stores: see 445131 Convenience retailers
Businesses that use 445320
Financing for this trade
Liquor stores use SBA 7(a) loans to buy stores and licenses, and inventory lines. Lenders review the liquor license, transferability and theft controls.
Apply for funding with AIIs 445320 the right code for a liquor store?
Yes, if you sell packaged beer, wine or spirits to the public for off premises consumption, including online wine retailers. Bars and taprooms use 722410. Wholesale distributors use 4248 codes. If your work overlaps, also read the definitions for 445131 (convenience retailers) and 424820 (wine and distilled alcoholic beverage merchant wholesalers), then choose the code that matches your largest source of revenue.
What is the SBA size standard for 445320?
The SBA size standard for 445320 is $10M in average annual receipts. SBA averages total gross receipts over the last five completed fiscal years and adds in any affiliates under common control. A liquor store at or below that figure counts as small for SBA 7(a) and 504 loans and for federal small business contracts.
How are liquor store purchases financed?
SBA 7(a) loans commonly finance the purchase, including the value of the liquor license where state law allows a lien or transfer. Inventory is a large asset, so lenders look at turns and shrink. Equipment loans cover coolers and point of sale systems.
What does NAICS 445320 cover?
Beer, wine, and liquor retailers. Industry level code in NAICS 2022, under 44-45 Retail trade, 445 Food and beverage retailers, 4453 Beer, wine, and liquor retailers, 44532 Beer, wine, and liquor retailers.
What financing do NAICS 445320 businesses use?
Equipment financing, working capital, SBA loans and invoice factoring are the products placed most for retail businesses. Start an application and the AI matches the deal to lenders that fund this code.
Where do I put NAICS 445320?
On the SBA loan application, on federal Schedule C or Form 1120, on SAM.gov and state registrations, and on most lender applications. A business can report more than one code; use this one if it describes what produces most of your revenue.