{"citation":"SBA loans to bakeries and pastry shops in New York. SBA Express Loans, Janover Capital LLC (data as of June 30, 2026). https://www.sbaexpress.loans/industries/baked-goods-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/baked-goods-retailers/new-york/","title":"SBA loans to bakeries and pastry shops 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":"all","from":"2019-10-01","to":"2026-06-30"},"state":{"code":"NY","name":"New York"},"industry":{"naics":"445291","name":"Baked Goods Retailers","url":"/industries/baked-goods-retailers/"},"loans":54,"dollars_approved":33851500,"measures":{"share_of_all_loans_pct":{"state":0.262,"national":0.214,"reading":"No clear gap"},"median_loan":{"state":274000,"national":335000,"reading":"No clear gap"},"middle_half_of_loans":{"state":{"p25":112500,"p75":640000},"national":{"p25":100000,"p75":614000}},"startup_pct":{"state":25.9,"national":32.6,"reading":"No clear gap"},"new_pct":{"state":9.3,"national":15.4,"reading":"No clear gap"},"existing_pct":{"state":61.1,"national":37.5,"reading":"Clearly higher"},"ownership_pct":{"state":null,"national":13.9,"reading":"n/a"},"express_pct":{"state":25.9,"national":22.1,"reading":"No clear gap"},"loc_pct":{"state":22.2,"national":14.5,"reading":"No clear gap"},"median_term_months":{"state":120,"national":120},"median_spread_over_prime_points":{"state":2.75,"national":2.5}},"clear_gaps":["existing"],"top_lenders":{"KeyBank":9,"BayFirst National Bank":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."}}