{"citation":"SBA loans for specialty retail shops under the 2017 NAICS code. SBA Express Loans, Janover Capital LLC (data as of June 30, 2026). https://www.sbaexpress.loans/industries/all-other-miscellaneous-store-retailers/ Source: SBA 7(a) loan file, June 30, 2026 (https://data.sba.gov/dataset/7a-504-foia).","url":"https://www.sbaexpress.loans/industries/all-other-miscellaneous-store-retailers/","title":"SBA loans for specialty retail shops under the 2017 NAICS code","data_as_of":"2026-06-30","checked":null,"sources":[{"label":"SBA 7(a) loan file, June 30, 2026","url":"https://data.sba.gov/dataset/7a-504-foia"},{"label":"SOP 50 10 8.1: App. 19, Para. A (p. 404); Sec. B, Ch. 2, Para. C.2 (Para. C begins p. 127); App. 19, Para. B.3 (Para. B begins p. 408); App. 16, Para. B.2 (Para. B begins p. 388); Sec. B, Ch. 2 (p. 125); App. 17, Para. B.3 (Para. B begins p. 391); Sec. B, Ch. 2, Para. B.1 (p. 126); Sec. A, Ch. 5, Para. A.1 (p. 93); App. 17, Para. A.2 (p. 390); App. 17, Para. A.1 (p. 390); SBA Procedural Notice 5000-876777; 13 CFR § 120.160(a)","url":"https://legacy.sba.gov/sites/default/files/2026-10/SOP%2050%2010%208.1%20Technical%20Policy%20Updates%20effective%20%2010.1.2026.docx"},{"label":"13 CFR § 120.100","url":"https://www.ecfr.gov/current/title-13/section-120.100"},{"label":"SOP 50 10 8.1: App. 18, Para. A.2 (p. 395); 13 CFR § 120.214(d)(2)","url":"https://www.ecfr.gov/current/title-13/section-120.214"}],"data":{"naics":"453998","industry":"All Other Miscellaneous Store Retailers (except Tobacco Stores)","sector":"Retail Trade","as_of":"2026-06-30","basis":"all","windows":{"recent":"FY2024 through June 30, 2026","all":"FY2020 through June 30, 2026","seasoned":"FY2020 to FY2022 loans, charge-offs through June 30, 2026"},"recent":{"loans":16,"dollars":4373200,"median_amount":125000,"p25_amount":32750,"p75_amount":259750,"median_rate":11.62,"median_spread":3.12,"median_term":120,"express_share":37.5,"loc_share":37.5},"all":{"loans":604,"dollars":256602300,"median_amount":150000,"p25_amount":50000,"p75_amount":358450,"median_rate":null,"median_spread":2.5,"median_term":120,"express_share":47.8,"loc_share":30.6},"chargeoff":{"cohort_loans":563,"charged_off_loans":26,"rate_loans":4.6,"rate_dollars":0.7},"lenders":[{"name":"The Huntington National Bank","loans":94,"url":"https://www.sbaexpress.loans/sba-express-lenders/the-huntington-national-bank/"},{"name":"U.S. Bank","loans":35,"url":"https://www.sbaexpress.loans/sba-express-lenders/u-s-bank/"},{"name":"Wells Fargo Bank","loans":33,"url":"https://www.sbaexpress.loans/sba-express-lenders/wells-fargo-bank/"},{"name":"M&T Bank","loans":24,"url":"https://www.sbaexpress.loans/sba-express-lenders/m-and-t-bank/"},{"name":"TD Bank","loans":21,"url":"https://www.sbaexpress.loans/sba-express-lenders/td-bank/"}],"states":[{"name":"California","loans":45,"url":"https://www.sbaexpress.loans/california-small-business-loans/"},{"name":"Ohio","loans":39,"url":"https://www.sbaexpress.loans/ohio-small-business-loans/"},{"name":"Michigan","loans":34,"url":"https://www.sbaexpress.loans/michigan-small-business-loans/"},{"name":"Texas","loans":34,"url":"https://www.sbaexpress.loans/texas-small-business-loans/"},{"name":"Minnesota","loans":33,"url":"https://www.sbaexpress.loans/minnesota-small-business-loans/"}],"note":"Counts under 5 are suppressed, and so is a share or rate that would give one back. Rates are rates at approval, not today's rates.","rows":[{"size_band":"$50,000 or less","loans":175,"share_pct":29.0},{"size_band":"$50,001 to $150,000","loans":131,"share_pct":21.7},{"size_band":"$150,001 to $350,000","loans":145,"share_pct":24.0},{"size_band":"$350,001 to $500,000","loans":32,"share_pct":5.3},{"size_band":"$500,001 to $1,000,000","loans":55,"share_pct":9.1},{"size_band":"$1,000,001 to $2,000,000","loans":37,"share_pct":6.1},{"size_band":"Over $2,000,000","loans":29,"share_pct":4.8}]}}