{"citation":"SBA loans to child care centers and preschools in New York. SBA Express Loans, Janover Capital LLC (data as of June 30, 2026). https://www.sbaexpress.loans/industries/child-care-services/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/child-care-services/new-york/","title":"SBA loans to child care centers and preschools 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":"624410","name":"Child Care Services","url":"/industries/child-care-services/"},"loans":238,"dollars_approved":118945800,"measures":{"share_of_all_loans_pct":{"state":1.154,"national":1.414,"reading":"No clear gap"},"median_loan":{"state":150000,"national":449500,"reading":"Clearly lower"},"middle_half_of_loans":{"state":{"p25":44725,"p75":490250},"national":{"p25":140600,"p75":996425}},"startup_pct":{"state":17.2,"national":26.7,"reading":"Clearly lower"},"new_pct":{"state":10.9,"national":16.9,"reading":"No clear gap"},"existing_pct":{"state":64.3,"national":42.9,"reading":"Clearly higher"},"ownership_pct":{"state":5.0,"national":12.6,"reading":"Clearly lower"},"express_pct":{"state":41.2,"national":20.8,"reading":"Clearly higher"},"loc_pct":{"state":27.3,"national":13.2,"reading":"Clearly higher"},"median_term_months":{"state":120,"national":120},"median_spread_over_prime_points":{"state":2.75,"national":2.25}},"clear_gaps":["size","express","existing","loc"],"top_lenders":{"TD Bank":43,"M&T Bank":19,"ESL Federal Credit Union":14,"Celtic Bank":12,"JPMorgan Chase Bank":12},"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."}}