{"citation":"SBA loans to vehicle wholesalers in California. SBA Express Loans, Janover Capital LLC (data as of June 30, 2026). https://www.sbaexpress.loans/industries/automobile-other-motor-vehicle-merchant-wholesalers/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/automobile-other-motor-vehicle-merchant-wholesalers/california/","title":"SBA loans to vehicle wholesalers 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":"all","from":"2019-10-01","to":"2026-06-30"},"state":{"code":"CA","name":"California"},"industry":{"naics":"423110","name":"Automobile and Other Motor Vehicle Merchant Wholesalers","url":"/industries/automobile-other-motor-vehicle-merchant-wholesalers/"},"loans":57,"dollars_approved":76008600,"measures":{"share_of_all_loans_pct":{"state":0.147,"national":0.065,"reading":"Clearly higher"},"median_loan":{"state":720000,"national":350000,"reading":"No clear gap"},"middle_half_of_loans":{"state":{"p25":350000,"p75":2000000},"national":{"p25":97675,"p75":975500}},"startup_pct":{"state":null,"national":null,"reading":"n/a"},"new_pct":{"state":17.5,"national":20.5,"reading":"No clear gap"},"existing_pct":{"state":75.4,"national":65.9,"reading":"No clear gap"},"ownership_pct":{"state":null,"national":9.5,"reading":"n/a"},"express_pct":{"state":19.3,"national":36.4,"reading":"No clear gap"},"loc_pct":{"state":50.9,"national":40.9,"reading":"No clear gap"},"median_term_months":{"state":120,"national":120},"median_spread_over_prime_points":{"state":2.0,"national":2.5}},"clear_gaps":["mix","share"],"top_lenders":{"GBC International Bank":22,"Wells Fargo Bank":7},"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."}}