Main Street Registry

Panna Ramratan Realty LLC

Wilkes Barre, PA · Beer, Wine, and Liquor Retailers · NAICS 445320

Panna Ramratan Realty LLC, located in Wilkes Barre, Pennsylvania, operates in the beer, wine, and liquor retail industry (NAICS 445320). The business was financed with an SBA 7(a) loan for a change of ownership in the amount of $580,000, with Manufacturers and Traders Trust Company as the lender and an approval date of February 24, 2026.

SBA 7(a) loan, change of ownership, approved Feb 24, 2026

$580,000 approvedLender: Manufacturers and Traders Trust Company25 years termStatus not reported (SBA exemption)Loan details
Gross approval
$580,000
SBA-guaranteed amount
$435,000 (75% of the approval)
Lender
Manufacturers and Traders Trust Company, Buffalo, NY
Processing method
Preferred Lender Program: lender approved under delegated SBA authority
Initial interest rate
7.75%, variable
Term
25 years (300 months)
Estimated maturity
February 24, 2051 (estimated, approval date plus term)
Estimated monthly payment
$4,381 Estimated payment at the initial rate over the full term; actual terms vary.
First disbursement
May 1, 2026
Loan status
Status not reported (SBA exemption)
Jobs supported
2
Business type
Corporation
NAICS
445320, Beer, Wine, and Liquor Retailers
Project location
Luzerne County, PA
SBA district office
Philadelphia District Office
Congressional district
PA-08
Collateral
Yes
Guaranteed portion sold on secondary market
Not reported as sold
Revolving line of credit
No (term loan)
  • Larger than 10% of acquisition loans in Beer, Wine, and Liquor Retailers on this site.
  • Average acquisition loan in Beer, Wine, and Liquor Retailers: $1,337,023.
  • Average acquisition loan in Pennsylvania: $1,636,965.

Loan amounts are the SBA approval, not a purchase price. Figures labeled estimated are derived on this site and are not published by the SBA.

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Same industry in Pennsylvania