{"citation":"SBA loans to variety and general merchandise stores in New York. SBA Express Loans, Janover Capital LLC (data as of June 30, 2026). https://www.sbaexpress.loans/industries/all-other-general-merchandise-retailers/new-york/ 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/new-york/","title":"SBA loans to variety and general merchandise stores in New York","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":"NY","name":"New York"},"industry":{"naics":"455219","name":"All Other General Merchandise Retailers","url":"/industries/all-other-general-merchandise-retailers/"},"loans":95,"dollars_approved":24570900,"measures":{"share_of_all_loans_pct":{"state":0.884,"national":0.434,"reading":"Clearly higher"},"median_loan":{"state":150000,"national":100000,"reading":"No clear gap"},"middle_half_of_loans":{"state":{"p25":52500,"p75":250000},"national":{"p25":40000,"p75":250000}},"startup_pct":{"state":null,"national":8.1,"reading":"n/a"},"new_pct":{"state":17.9,"national":19.0,"reading":"No clear gap"},"existing_pct":{"state":77.9,"national":68.9,"reading":"No clear gap"},"ownership_pct":{"state":null,"national":4.0,"reading":"n/a"},"express_pct":{"state":63.2,"national":47.0,"reading":"Clearly higher"},"loc_pct":{"state":55.8,"national":36.2,"reading":"Clearly higher"},"median_term_months":{"state":120,"national":120},"median_spread_over_prime_points":{"state":3.0,"national":3.0}},"clear_gaps":["mix","loc","express","share"],"top_lenders":{"TD Bank":35,"M&T Bank":13,"Readycap Lending, LLC":7,"FinWise Bank":5,"Lendistry SBLC, LLC":5},"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."}}