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Buy-Rite Liquors - License Agreement, by the numbers

Every figure below comes from real financed deals — what buyers paid, where, and how the loans performed.

SBA Franchise Directory: listed ✓ (identifier S3748)

3

Deals since 2020

$1.1M

Typical deal

0

Deals since FY2025

—

Too few deals to score risk

Buy-Rite Liquors - License Agreement has 3 SBA deals on record — real financing history, but too few to score a failure rate you should trust. Underwrite the location and the FDD.

What buyers pay for Buy-Rite Liquors - License Agreement

Most Buy-Rite Liquors - License Agreement deals financed between $1.00M and $4.90M. Above $4.90M, you're paying more than 75% of buyers did — make the seller earn it.

Your deal size$1.10M

Monthly payment (10-yr): $14,385
Down payment (10%): $122K
Cash to close (all-in): $168K

Estimates at today's rates and standard 7(a) terms. Not a loan offer.

Could you get the loan?

Three answers. No documents, no credit pull.

Credit score

Available cash (you'll need ~$168K)

Experience

Recent financings

Shrijee International USA Inc. in South Orange, NJ — $4.9M (2022) · purchase · Peapack Private Bank and Trust

Program: Preferred Lenders Program
Rate at approval: 5.5% variable
Term: 300 mo (25 yrs)
SBA guaranteed: $3.7M (75%)
Approval → funding: 4 days
Approved: 1/24/2022
First disbursed: 1/28/2022
Loan status: Paid in full (10/31/2025)
Loan type: Term loan
Collateral: Required
Business type: Corporation
Secondary market: Loan sold to investors
Jobs supported: 6
Business age: Change of Ownership
Industry: Beer, Wine, and Liquor Stores

If you were the buyer here

Est. deal size: $5.4M
Est. down payment (10%): $544K
Est. cash at closing: $753K
Monthly payment: $30,090
Annual debt service: $361K
Cash flow needed (1.25×): $451K

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 Peapack Private Bank and Trust · Lender record →

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K&S Wine & Spirits LLC in Hackensack, NJ — $1.1M (2021) · purchase · Wilmington Savings Fund Society FSB

Program: Preferred Lenders Program
Rate at approval: 5.5% variable
Term: 120 mo (10 yrs)
SBA guaranteed: $825K (75%)
Approval → funding: 9 days
Approved: 12/8/2020
First disbursed: 12/17/2020
Loan status: Paid in full (3/31/2024)
Loan type: Term loan
Collateral: Required
Business type: Corporation
Secondary market: Loan sold to investors
Jobs supported: 5
Business age: Change of Ownership
Industry: Beer, Wine, and Liquor Stores

If you were the buyer here

Est. deal size: $1.2M
Est. down payment (10%): $122K
Est. cash at closing: $168K
Monthly payment: $11,938
Annual debt service: $143K
Cash flow needed (1.25×): $179K

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 Wilmington Savings Fund Society FSB · Lender record →

Your business? Claim this record · Request removal

V&M Wine and Spirits LLC in Fairview, NJ — $1.0M (2021) · purchase · BCB Community Bank

Program: 7a General
Rate at approval: 5% variable
Term: 120 mo (10 yrs)
SBA guaranteed: $750K (75%)
Approval → funding: 147 days
Approved: 11/20/2020
First disbursed: 4/16/2021
Loan status: Paid in full (4/30/2025)
Loan type: Term loan
Collateral: Required
Business type: Corporation
Secondary market: Loan sold to investors
Jobs supported: 6
Business age: Change of Ownership
Industry: Beer, Wine, and Liquor Stores

If you were the buyer here

Est. deal size: $1.1M
Est. down payment (10%): $111K
Est. cash at closing: $152K
Monthly payment: $10,607
Annual debt service: $127K
Cash flow needed (1.25×): $159K

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 BCB Community Bank

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Who funds Buy-Rite Liquors - License Agreement — and where

Every dot is a financed Buy-Rite Liquors - License Agreement — 3 mapped.

Top lenders for this brand

1.Wilmington Savings Fund Society FSB(1)
2.BCB Community Bank (1)
3.Peapack Private Bank and Trust(1)

Most active states

1.New Jersey (3 loans)

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Insider move

Start with the lenders above — a bank that's funded Buy-Rite Liquors - License Agreement 1 times already knows the unit economics and approves faster than one learning the brand on your file.

Who should reach out?

I authorize DealRoom to share my contact information with SBA lending partners and loan brokers (including partners who compensate DealRoom), who may contact me about financing. DealRoom is not a lender and makes no credit decision. We'll introduce you to your pick or a comparable Buy-Rite Liquors - License Agreement lending specialist.

Common questions

How much does a Buy-Rite Liquors - License Agreement cost to buy or open?

The typical deal for Buy-Rite Liquors - License Agreement is $1.1M across 3 transactions since 2020. With the SBA's 10% minimum down payment, that points to roughly $121K of buyer cash on a typical deal.

How risky is Buy-Rite Liquors - License Agreement?

Buy-Rite Liquors - License Agreement has 3 SBA loans on record since 2020 — too few to score a reliable failure rate. Judge the unit economics and the franchisor's disclosure document, not a small sample.

Can I finance a Buy-Rite Liquors - License Agreement with an SBA loan?

Yes — Buy-Rite Liquors - License Agreement has been SBA-financed 0 times since FY2025, which means it clears the SBA Franchise Directory requirement regularly. Confirm current listing before signing an LOI.

AI summary

This profile summarizes public SBA financing activity for Buy-Rite Liquors - License Agreement — lender activity, typical loan sizes, financing history, and risk and failure signals where available — via DealRoom.so SBA Intelligence. DealRoom is not a lender.

Source: DealRoom.so SBA Intelligence, based on public SBA, lender, franchise, FDIC, and related records. DealRoom is not a lender and does not guarantee financing.

Still have questions about buying a Buy-Rite Liquors - License Agreement?

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I authorize DealRoom to share my contact information with SBA lending partners and loan brokers (including partners who compensate DealRoom), who may contact me about financing. DealRoom is not a lender and makes no credit decision.

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Claim this brand page to keep the numbers in context, add your story, and hear about qualified buyers early.

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DealRoom analysis of public lending records, FY2020–present. Charge-off rate measured on the FY2020–23 cohort. Not affiliated with Buy-Rite Liquors - License Agreement.