{"citation":"SBA loans for contract food service and concession operators. SBA Express Loans, Janover Capital LLC (data as of June 30, 2026). https://www.sbaexpress.loans/industries/food-service-contractors/ Source: SBA 7(a) loan file, June 30, 2026 (https://data.sba.gov/dataset/7a-504-foia).","url":"https://www.sbaexpress.loans/industries/food-service-contractors/","title":"SBA loans for contract food service and concession operators","data_as_of":"2026-06-30","checked":null,"sources":[{"label":"SBA 7(a) loan file, June 30, 2026","url":"https://data.sba.gov/dataset/7a-504-foia"},{"label":"SOP 50 10 8.1: App. 19, Para. A (p. 404); Sec. B, Ch. 2, Para. C.2 (Para. C begins p. 127); App. 19, Para. B.3 (Para. B begins p. 408); App. 16, Para. B.2 (Para. B begins p. 388); Sec. B, Ch. 2 (p. 125); Sec. B, Ch. 2, Para. B.1 (p. 126); Sec. A, Ch. 5, Para. A.1 (p. 93); Sec. A, Ch. 1, Para. D.1 (p. 14); Sec. A, Ch. 1, Para. D.2 (p. 14); App. 17, Para. A.2 (p. 390); App. 17, Para. A.1 (p. 390); SBA Procedural Notice 5000-876777; 13 CFR § 120.160(a); 13 CFR § 121.301","url":"https://legacy.sba.gov/sites/default/files/2026-10/SOP%2050%2010%208.1%20Technical%20Policy%20Updates%20effective%20%2010.1.2026.docx"},{"label":"13 CFR § 120.100","url":"https://www.ecfr.gov/current/title-13/section-120.100"},{"label":"SOP 50 10 8.1: App. 18, Para. A.2 (p. 395); 13 CFR § 120.214(d)(2)","url":"https://www.ecfr.gov/current/title-13/section-120.214"},{"label":"SOP 50 10 8.1: Sec. A, Ch. 1, Para. D.1 (p. 14); 13 CFR § 121.301(b)(2)","url":"https://www.ecfr.gov/current/title-13/section-121.301"},{"label":"91 FR 53741 (Aug. 20, 2026)","url":"https://www.govinfo.gov/content/pkg/FR-2026-08-20/pdf/2026-17042.pdf"},{"label":"13 CFR § 121.201","url":"https://www.ecfr.gov/current/title-13/section-121.201"}],"data":{"naics":"722310","industry":"Food Service Contractors","sector":"Accommodation and Food Services","as_of":"2026-06-30","basis":"recent","windows":{"recent":"FY2024 through June 30, 2026","all":"FY2020 through June 30, 2026","seasoned":"FY2020 to FY2022 loans, charge-offs through June 30, 2026"},"recent":{"loans":178,"dollars":68332400,"median_amount":150000,"p25_amount":50000,"p75_amount":413125,"median_rate":10.37,"median_spread":2.75,"median_term":120,"express_share":33.1,"loc_share":24.2},"all":{"loans":371,"dollars":156695100,"median_amount":150000,"p25_amount":50000,"p75_amount":461300,"median_rate":null,"median_spread":2.75,"median_term":120,"express_share":38.0,"loc_share":26.1},"chargeoff":{"cohort_loans":122,"charged_off_loans":null,"rate_loans":null,"rate_dollars":null},"lenders":[{"name":"The Huntington National Bank","loans":19,"url":"https://www.sbaexpress.loans/sba-express-lenders/the-huntington-national-bank/"},{"name":"Readycap Lending, LLC","loans":16,"url":"https://www.sbaexpress.loans/sba-express-lenders/readycap-lending-llc/"},{"name":"Northeast Bank","loans":13,"url":"https://www.sbaexpress.loans/sba-express-lenders/northeast-bank/"},{"name":"U.S. Bank","loans":9,"url":"https://www.sbaexpress.loans/sba-express-lenders/u-s-bank/"},{"name":"Celtic Bank","loans":6,"url":"https://www.sbaexpress.loans/sba-express-lenders/celtic-bank/"}],"states":[{"name":"California","loans":25,"url":"https://www.sbaexpress.loans/california-small-business-loans/"},{"name":"New York","loans":17,"url":"https://www.sbaexpress.loans/new-york-small-business-loans/"},{"name":"Ohio","loans":12,"url":"https://www.sbaexpress.loans/ohio-small-business-loans/"},{"name":"Massachusetts","loans":9,"url":"https://www.sbaexpress.loans/massachusetts-small-business-loans/"},{"name":"Florida","loans":8,"url":"https://www.sbaexpress.loans/florida-small-business-loans/"}],"note":"Counts under 5 are suppressed, and so is a share or rate that would give one back. Rates are rates at approval, not today's rates.","rows":[{"size_band":"$50,000 or less","loans":50,"share_pct":28.1},{"size_band":"$50,001 to $150,000","loans":44,"share_pct":24.7},{"size_band":"$150,001 to $350,000","loans":37,"share_pct":20.8},{"size_band":"$350,001 to $500,000","loans":19,"share_pct":10.7},{"size_band":"$500,001 to $1,000,000","loans":14,"share_pct":7.9},{"size_band":"$1,000,001 to $2,000,000","loans":7,"share_pct":3.9},{"size_band":"Over $2,000,000","loans":7,"share_pct":3.9}]}}