{"citation":"SBA loans to liquor stores in New York. SBA Express Loans, Janover Capital LLC (data as of June 30, 2026). https://www.sbaexpress.loans/industries/beer-wine-liquor-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/beer-wine-liquor-retailers/new-york/","title":"SBA loans to liquor stores 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":"445320","name":"Beer, Wine, and Liquor Retailers","url":"/industries/beer-wine-liquor-retailers/"},"loans":182,"dollars_approved":90360900,"measures":{"share_of_all_loans_pct":{"state":0.883,"national":0.69,"reading":"No clear gap"},"median_loan":{"state":200000,"national":500000,"reading":"Clearly lower"},"middle_half_of_loans":{"state":{"p25":60000,"p75":551725},"national":{"p25":215000,"p75":1005000}},"startup_pct":{"state":13.7,"national":12.1,"reading":"No clear gap"},"new_pct":{"state":19.8,"national":21.3,"reading":"No clear gap"},"existing_pct":{"state":39.6,"national":31.3,"reading":"No clear gap"},"ownership_pct":{"state":26.9,"national":35.2,"reading":"No clear gap"},"express_pct":{"state":42.9,"national":18.2,"reading":"Clearly higher"},"loc_pct":{"state":27.5,"national":13.4,"reading":"Clearly higher"},"median_term_months":{"state":120,"national":120},"median_spread_over_prime_points":{"state":2.49,"national":2.0}},"clear_gaps":["express","size","loc","mix"],"top_lenders":{"M&T Bank":55,"KeyBank":13,"Hanmi Bank":11,"NewBank":10,"TD Bank":10},"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."}}