{"citation":"SBA loans to custom software development firms in New Jersey. SBA Express Loans, Janover Capital LLC (data as of June 30, 2026). https://www.sbaexpress.loans/industries/custom-computer-programming-services/new-jersey/ 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/custom-computer-programming-services/new-jersey/","title":"SBA loans to custom software development firms in New Jersey","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":"recent","from":"2023-10-01","to":"2026-06-30"},"state":{"code":"NJ","name":"New Jersey"},"industry":{"naics":"541511","name":"Custom Computer Programming Services","url":"/industries/custom-computer-programming-services/"},"loans":48,"dollars_approved":12223000,"measures":{"share_of_all_loans_pct":{"state":0.845,"national":0.517,"reading":"Clearly higher"},"median_loan":{"state":250000,"national":185000,"reading":"No clear gap"},"middle_half_of_loans":{"state":{"p25":94250,"p75":312500},"national":{"p25":93500,"p75":354300}},"startup_pct":{"state":null,"national":4.3,"reading":"n/a"},"new_pct":{"state":16.7,"national":12.6,"reading":"No clear gap"},"existing_pct":{"state":75.0,"national":78.7,"reading":"No clear gap"},"ownership_pct":{"state":null,"national":3.9,"reading":"n/a"},"express_pct":{"state":58.3,"national":36.9,"reading":"No clear gap"},"loc_pct":{"state":52.1,"national":30.3,"reading":"Clearly higher"},"median_term_months":{"state":120,"national":120},"median_spread_over_prime_points":{"state":3.0,"national":3.0}},"clear_gaps":["loc","share"],"top_lenders":{"TD Bank":11,"M&T Bank":6,"Newtek Bank":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."}}