{"citation":"SBA loans for bed-and-breakfast inns. SBA Express Loans, Janover Capital LLC (data as of June 30, 2026). https://www.sbaexpress.loans/industries/bed-breakfast-inns/ Source: SBA 7(a) loan file, June 30, 2026 (https://data.sba.gov/dataset/7a-504-foia).","url":"https://www.sbaexpress.loans/industries/bed-breakfast-inns/","title":"SBA loans for bed-and-breakfast inns","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); Sec. B, Ch. 2, Para. B.1 (p. 126); Sec. A, Ch. 5, Para. A.1 (p. 93); Sec. A, Ch. 1, Para. D.1 (p. 14); Sec. A, Ch. 1, Para. D.2 (p. 14); App. 17, Para. A.3 (p. 390); SBA Procedural Notice 5000-876777; 13 CFR § 120.160(a); 13 CFR § 121.301; 13 CFR § 120.212(c)","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: Sec. B, Ch. 2, Para. B.5 (Para. B begins p. 126); 13 CFR § 120.214(d)(4)","url":"https://www.ecfr.gov/current/title-13/section-120.214"},{"label":"SOP 50 10 8.1: Sec. A, Ch. 1, Para. D.1 (p. 14); 13 CFR § 121.301(b)(2)","url":"https://www.ecfr.gov/current/title-13/section-121.301"},{"label":"91 FR 53741 (Aug. 20, 2026)","url":"https://www.govinfo.gov/content/pkg/FR-2026-08-20/pdf/2026-17042.pdf"},{"label":"13 CFR § 121.201","url":"https://www.ecfr.gov/current/title-13/section-121.201"}],"data":{"naics":"721191","industry":"Bed-and-Breakfast Inns","sector":"Accommodation and Food Services","as_of":"2026-06-30","basis":"recent","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":61,"dollars":77071100,"median_amount":900000,"p25_amount":225000,"p75_amount":1700000,"median_rate":9.75,"median_spread":2.0,"median_term":300,"express_share":18.0,"loc_share":11.5},"all":{"loans":219,"dollars":241693300,"median_amount":760000,"p25_amount":245000,"p75_amount":1518000,"median_rate":null,"median_spread":2.0,"median_term":300,"express_share":17.4,"loc_share":10.5},"chargeoff":{"cohort_loans":133,"charged_off_loans":null,"rate_loans":null,"rate_dollars":null},"lenders":[{"name":"Beacon Bank and Trust","loans":12,"url":"https://www.sbaexpress.loans/sba-express-lenders/beacon-bank-and-trust/"},{"name":"Celtic Bank","loans":9,"url":"https://www.sbaexpress.loans/sba-express-lenders/celtic-bank/"},{"name":"M&T Bank","loans":9,"url":"https://www.sbaexpress.loans/sba-express-lenders/m-and-t-bank/"},{"name":"iTHINK Financial Credit Union","loans":9,"url":"https://www.sbaexpress.loans/sba-express-lenders/ithink-financial-credit-union/"},{"name":"Harvest Small Business Finance, LLC","loans":6,"url":"https://www.sbaexpress.loans/sba-express-lenders/harvest-small-business-finance-llc/"}],"states":[{"name":"California","loans":23,"url":"https://www.sbaexpress.loans/california-small-business-loans/"},{"name":"Florida","loans":21,"url":"https://www.sbaexpress.loans/florida-small-business-loans/"},{"name":"North Carolina","loans":16,"url":"https://www.sbaexpress.loans/north-carolina-small-business-loans/"},{"name":"New York","loans":15,"url":"https://www.sbaexpress.loans/new-york-small-business-loans/"},{"name":"Pennsylvania","loans":11,"url":"https://www.sbaexpress.loans/pennsylvania-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":null,"share_pct":null},{"size_band":"$50,001 to $150,000","loans":8,"share_pct":13.1},{"size_band":"$150,001 to $350,000","loans":9,"share_pct":14.8},{"size_band":"$350,001 to $500,000","loans":null,"share_pct":null},{"size_band":"$500,001 to $1,000,000","loans":14,"share_pct":23.0},{"size_band":"$1,000,001 to $2,000,000","loans":13,"share_pct":21.3},{"size_band":"Over $2,000,000","loans":12,"share_pct":19.7}]}}