{"citation":"SBA loans to variety and general merchandise stores in California. SBA Express Loans, Janover Capital LLC (data as of June 30, 2026). https://www.sbaexpress.loans/industries/all-other-general-merchandise-retailers/california/ Source: SBA 7(a) and 504 FOIA loan-level data, as of June 30, 2026 (https://data.sba.gov/dataset/7a-504-foia).","url":"https://www.sbaexpress.loans/industries/all-other-general-merchandise-retailers/california/","title":"SBA loans to variety and general merchandise stores in California","data_as_of":"2026-06-30","checked":null,"sources":[{"label":"SBA 7(a) and 504 FOIA loan-level data, as of June 30, 2026","url":"https://data.sba.gov/dataset/7a-504-foia"}],"data":{"window":{"id":"recent","from":"2023-10-01","to":"2026-06-30"},"state":{"code":"CA","name":"California"},"industry":{"naics":"455219","name":"All Other General Merchandise Retailers","url":"/industries/all-other-general-merchandise-retailers/"},"loans":105,"dollars_approved":26812200,"measures":{"share_of_all_loans_pct":{"state":0.538,"national":0.434,"reading":"No clear gap"},"median_loan":{"state":150000,"national":100000,"reading":"No clear gap"},"middle_half_of_loans":{"state":{"p25":45000,"p75":250000},"national":{"p25":40000,"p75":250000}},"startup_pct":{"state":0.0,"national":8.1,"reading":"Clearly lower"},"new_pct":{"state":13.3,"national":19.0,"reading":"No clear gap"},"existing_pct":{"state":81.9,"national":68.9,"reading":"No clear gap"},"ownership_pct":{"state":4.8,"national":4.0,"reading":"No clear gap"},"express_pct":{"state":41.9,"national":47.0,"reading":"No clear gap"},"loc_pct":{"state":21.0,"national":36.2,"reading":"Clearly lower"},"median_term_months":{"state":120,"national":120},"median_spread_over_prime_points":{"state":3.0,"national":3.0}},"clear_gaps":["startup","loc"],"top_lenders":{"U.S. Bank":30,"Lendistry SBLC, LLC":13,"Northeast Bank":8,"Newtek Bank":7,"Celtic Bank":6},"note":"Null means fewer than 5 loans. Loans SBA approved only: the file has no denials. Spread over Prime is the rate at approval minus Prime that day, not today's rate."}}