{"citation":"SBA loans for sit-down restaurants. SBA Express Loans, Janover Capital LLC (data as of June 30, 2026). https://www.sbaexpress.loans/industries/full-service-restaurants/ Source: SBA 7(a) loan file, June 30, 2026 (https://data.sba.gov/dataset/7a-504-foia).","url":"https://www.sbaexpress.loans/industries/full-service-restaurants/","title":"SBA loans for sit-down restaurants","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)(3)","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":"722511","industry":"Full-Service Restaurants","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":7484,"dollars":3986336500,"median_amount":250500,"p25_amount":80000,"p75_amount":641200,"median_rate":10.2,"median_spread":2.75,"median_term":120,"express_share":28.8,"loc_share":18.8},"all":{"loans":15299,"dollars":8261215400,"median_amount":274500,"p25_amount":84000,"p75_amount":661100,"median_rate":null,"median_spread":2.5,"median_term":120,"express_share":31.1,"loc_share":17.9},"chargeoff":{"cohort_loans":5270,"charged_off_loans":191,"rate_loans":3.6,"rate_dollars":0.9},"lenders":[{"name":"The Huntington National Bank","loans":801,"url":"https://www.sbaexpress.loans/sba-express-lenders/the-huntington-national-bank/"},{"name":"Newtek Bank","loans":425,"url":"https://www.sbaexpress.loans/sba-express-lenders/newtek-bank/"},{"name":"M&T Bank","loans":290,"url":"https://www.sbaexpress.loans/sba-express-lenders/m-and-t-bank/"},{"name":"Northeast Bank","loans":274,"url":"https://www.sbaexpress.loans/sba-express-lenders/northeast-bank/"},{"name":"U.S. Bank","loans":257,"url":"https://www.sbaexpress.loans/sba-express-lenders/u-s-bank/"}],"states":[{"name":"California","loans":997,"url":"https://www.sbaexpress.loans/california-small-business-loans/"},{"name":"Texas","loans":564,"url":"https://www.sbaexpress.loans/texas-small-business-loans/"},{"name":"New York","loans":513,"url":"https://www.sbaexpress.loans/new-york-small-business-loans/"},{"name":"Florida","loans":464,"url":"https://www.sbaexpress.loans/florida-small-business-loans/"},{"name":"Illinois","loans":323,"url":"https://www.sbaexpress.loans/illinois-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":1616,"share_pct":21.6},{"size_band":"$50,001 to $150,000","loans":1389,"share_pct":18.6},{"size_band":"$150,001 to $350,000","loans":1440,"share_pct":19.2},{"size_band":"$350,001 to $500,000","loans":808,"share_pct":10.8},{"size_band":"$500,001 to $1,000,000","loans":1128,"share_pct":15.1},{"size_band":"$1,000,001 to $2,000,000","loans":736,"share_pct":9.8},{"size_band":"Over $2,000,000","loans":367,"share_pct":4.9}]}}