{"citation":"SBA loans to bakeries and pastry shops in Texas. SBA Express Loans, Janover Capital LLC (data as of June 30, 2026). https://www.sbaexpress.loans/industries/baked-goods-retailers/texas/ 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/texas/","title":"SBA loans to bakeries and pastry shops in Texas","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":"TX","name":"Texas"},"industry":{"naics":"445291","name":"Baked Goods Retailers","url":"/industries/baked-goods-retailers/"},"loans":58,"dollars_approved":31182700,"measures":{"share_of_all_loans_pct":{"state":0.225,"national":0.214,"reading":"No clear gap"},"median_loan":{"state":323250,"national":335000,"reading":"No clear gap"},"middle_half_of_loans":{"state":{"p25":215375,"p75":581250},"national":{"p25":100000,"p75":614000}},"startup_pct":{"state":55.2,"national":32.6,"reading":"Clearly higher"},"new_pct":{"state":null,"national":15.4,"reading":"n/a"},"existing_pct":{"state":13.8,"national":37.5,"reading":"Clearly lower"},"ownership_pct":{"state":24.1,"national":13.9,"reading":"No clear gap"},"express_pct":{"state":15.5,"national":22.1,"reading":"No clear gap"},"loc_pct":{"state":10.3,"national":14.5,"reading":"No clear gap"},"median_term_months":{"state":120,"national":120},"median_spread_over_prime_points":{"state":2.5,"national":2.5}},"clear_gaps":["existing"],"top_lenders":{"The Huntington National Bank":7,"Bank of Hope":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."}}