{"citation":"SBA loans to finish carpentry and cabinet installers in Massachusetts. SBA Express Loans, Janover Capital LLC (data as of June 30, 2026). https://www.sbaexpress.loans/industries/finish-carpentry-contractors/massachusetts/ 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/finish-carpentry-contractors/massachusetts/","title":"SBA loans to finish carpentry and cabinet installers in Massachusetts","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":"MA","name":"Massachusetts"},"industry":{"naics":"238350","name":"Finish Carpentry Contractors","url":"/industries/finish-carpentry-contractors/"},"loans":50,"dollars_approved":5754200,"measures":{"share_of_all_loans_pct":{"state":0.581,"national":0.346,"reading":"Clearly higher"},"median_loan":{"state":60000,"national":99000,"reading":"No clear gap"},"middle_half_of_loans":{"state":{"p25":45750,"p75":100000},"national":{"p25":30000,"p75":229650}},"startup_pct":{"state":0.0,"national":9.9,"reading":"No clear gap"},"new_pct":{"state":16.0,"national":15.6,"reading":"No clear gap"},"existing_pct":{"state":80.0,"national":67.5,"reading":"No clear gap"},"ownership_pct":{"state":null,"national":6.1,"reading":"n/a"},"express_pct":{"state":92.0,"national":63.8,"reading":"Clearly higher"},"loc_pct":{"state":58.0,"national":48.7,"reading":"No clear gap"},"median_term_months":{"state":120,"national":120},"median_spread_over_prime_points":{"state":3.0,"national":2.75}},"clear_gaps":["express","share"],"top_lenders":{"Eastern Bank":14,"TD Bank":11,"Santander Bank":5},"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."}}