{"citation":"SBA loans to finish carpentry and cabinet installers in New York. SBA Express Loans, Janover Capital LLC (data as of June 30, 2026). https://www.sbaexpress.loans/industries/finish-carpentry-contractors/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/finish-carpentry-contractors/new-york/","title":"SBA loans to finish carpentry and cabinet installers 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":"238350","name":"Finish Carpentry Contractors","url":"/industries/finish-carpentry-contractors/"},"loans":74,"dollars_approved":14107100,"measures":{"share_of_all_loans_pct":{"state":0.359,"national":0.346,"reading":"No clear gap"},"median_loan":{"state":99450,"national":99000,"reading":"No clear gap"},"middle_half_of_loans":{"state":{"p25":26050,"p75":187500},"national":{"p25":30000,"p75":229650}},"startup_pct":{"state":null,"national":9.9,"reading":"n/a"},"new_pct":{"state":8.1,"national":15.6,"reading":"No clear gap"},"existing_pct":{"state":87.8,"national":67.5,"reading":"Clearly higher"},"ownership_pct":{"state":0.0,"national":6.1,"reading":"No clear gap"},"express_pct":{"state":74.3,"national":63.8,"reading":"No clear gap"},"loc_pct":{"state":60.8,"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":["existing"],"top_lenders":{"TD Bank":15,"M&T Bank":14,"ESL Federal Credit Union":6,"JPMorgan Chase 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."}}