{"citation":"SBA loans to bars, taverns, taprooms and wine bars in California. SBA Express Loans, Janover Capital LLC (data as of June 30, 2026). https://www.sbaexpress.loans/industries/drinking-places/california/ 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/drinking-places/california/","title":"SBA loans to bars, taverns, taprooms and wine bars in California","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":"CA","name":"California"},"industry":{"naics":"722410","name":"Drinking Places (Alcoholic Beverages)","url":"/industries/drinking-places/"},"loans":162,"dollars_approved":118580500,"measures":{"share_of_all_loans_pct":{"state":0.417,"national":0.578,"reading":"No clear gap"},"median_loan":{"state":450000,"national":241500,"reading":"Clearly higher"},"middle_half_of_loans":{"state":{"p25":200000,"p75":993950},"national":{"p25":80000,"p75":576100}},"startup_pct":{"state":20.4,"national":33.9,"reading":"Clearly lower"},"new_pct":{"state":14.2,"national":14.4,"reading":"No clear gap"},"existing_pct":{"state":49.4,"national":37.9,"reading":"No clear gap"},"ownership_pct":{"state":14.2,"national":12.3,"reading":"No clear gap"},"express_pct":{"state":10.5,"national":29.8,"reading":"Clearly lower"},"loc_pct":{"state":4.3,"national":17.5,"reading":"Clearly lower"},"median_term_months":{"state":120,"national":120},"median_spread_over_prime_points":{"state":2.75,"national":2.5}},"clear_gaps":["express","loc","size","startup"],"top_lenders":{"U.S. Bank":10,"Harvest Small Business Finance, LLC":8,"Readycap Lending, LLC":7,"Wells Fargo Bank":7,"CalPrivate 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."}}