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VINCE & JOE'S — SBA Loan Record (Ray, MI) | DealRoom

Intelligence/Beer, Wine, and Liquor Retailers/MI

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SBA lending record

VINCE & JOE'S

58865 Romeo Plank Rd., Ray, MI 48096 · Beer, Wine, and Liquor Retailers. The complete public SBA 7(a) record for this business — every loan, every field, the lender, and the map.

$1.1M

Total SBA financing

1

Loan on record

FY2022

On record

5

Jobs supported

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

Is VINCE & JOE'S your business?

This record comes from public government lending data. Claim it to correct the details or tell your story — or ask us to take it down.

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The loan

$1,100,000 — FY2022

Gross approval: $1,100,000
SBA guaranteed: $825,000 (75%)
Status: Paid in full
Rate at approval: 8.25% v
Term: 192 mo (16 yr)
Program: Preferred Lenders Program
Subprogram: Guaranty
Loan type: Term loan
Purpose: Business purchase
Approved: 9/14/2022
First disbursement: 10/17/2022
Days to fund: 33 days
Paid in full: 12/31/2025
Collateral: Required
Sold on secondary market: Yes
Jobs supported: 5
Business type: Corporation
Business age: Change of Ownership
Industry: Beer, Wine, and Liquor Retailers
NAICS code: 445320
Lender: First Merchants Bank
Address: 58865 Romeo Plank Rd.
City: Ray, 48096
County: Macomb
SBA district office: MICHIGAN DISTRICT OFFICE
Congressional district: 10

The lender

First Merchants Bank

1 loan 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 retailers — by location, industry.

SBA lenders in Michigan Lenders for beer, wine, and liquor retailers Beer, Wine, and Liquor Retailers lenders in Michigan

Similar businesses

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

Vince and Joe's Liquor

Ray, MI· ~0 mi

Beer, Wine, and Liquor Retailers

$1.1M
SBA financing: ≈ $2.1M–$3.4M
Est. revenue (rough)

Jake's Liquor Depot Inc

Clinton Township, MI· ~12 mi

Beer, Wine, and Liquor Retailers

$960K
SBA financing: ≈ $1.9M–$3.1M
Est. revenue (rough)

Berville Market LLC

Berville, MI· ~13 mi

Beer, Wine, and Liquor Retailers

$750K
SBA financing: ≈ $1.5M–$2.5M
Est. revenue (rough)

Royalty Foods

Detroit, MI· ~19 mi

Beer, Wine, and Liquor Retailers

$1.3M
SBA financing: ≈ $2.5M–$4.1M
Est. revenue (rough)

Sultan Cheema LLC

Detroit, MI· ~21 mi

Beer, Wine, and Liquor Retailers

$1.0M
SBA financing: ≈ $2.0M–$3.3M
Est. revenue (rough)

Pine Lake Market

Southfield, MI· ~21 mi

Beer, Wine, and Liquor Retailers

$1.4M
SBA financing: ≈ $2.7M–$4.4M
Est. revenue (rough)

Agent summary

This page summarizes the public SBA 7(a) lending record for VINCE & JOE'S in Ray, MI (Beer, Wine, and Liquor Retailers). DealRoom 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.

1 SBA 7(a) loan totaling $1.1M
On record FY2022
5 jobs supported
Industry: Beer, Wine, and Liquor Retailers
Location: Ray, MI
Lender: First Merchants Bank

Buyers researching a deal like this usually check lender fit next: see the SBA lenders most active with Beer, Wine, and Liquor Retailers businesses in MI for ~$1.1M deals, then pre-qualify for 7(a) financing before making an offer. DealRoom can arrange a lender introduction — free for buyers.

Next steps

Pre-qualify this deal→Talk to a loan broker→Find SBA lenders→Compare similar deals→

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); DealRoom lender and franchise enrichment.
Canonical:: https://dealroom.so/businesses/vince-joe-s-mi
API:: https://dealroom.so/api/public/businesses/vince-joe-s-mi
Methodology:: Sources & methodology

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

Is VINCE & JOE'S your business?

This page was built from public lending data. Claim it free to correct the details, tell your story, and control how your business shows up — or ask us to take it down.

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DealRoom listing built from public SBA 7(a) lending records. Figures are as reported; verify before relying on them. Not affiliated with VINCE & JOE'S.