{"citation":"SBA loans to sit-down restaurants in North Carolina. SBA Express Loans, Janover Capital LLC (data as of June 30, 2026). https://www.sbaexpress.loans/industries/full-service-restaurants/north-carolina/ 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/full-service-restaurants/north-carolina/","title":"SBA loans to sit-down restaurants in North Carolina","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":"NC","name":"North Carolina"},"industry":{"naics":"722511","name":"Full-Service Restaurants","url":"/industries/full-service-restaurants/"},"loans":364,"dollars_approved":279465600,"measures":{"share_of_all_loans_pct":{"state":4.696,"national":4.523,"reading":"No clear gap"},"median_loan":{"state":489500,"national":274500,"reading":"Clearly higher"},"middle_half_of_loans":{"state":{"p25":154800,"p75":986250},"national":{"p25":84000,"p75":661100}},"startup_pct":{"state":33.8,"national":25.7,"reading":"No clear gap"},"new_pct":{"state":19.0,"national":16.4,"reading":"No clear gap"},"existing_pct":{"state":35.4,"national":43.8,"reading":"No clear gap"},"ownership_pct":{"state":11.3,"national":13.3,"reading":"No clear gap"},"express_pct":{"state":15.1,"national":31.1,"reading":"Clearly lower"},"loc_pct":{"state":11.0,"national":17.9,"reading":"No clear gap"},"median_term_months":{"state":120,"national":120},"median_spread_over_prime_points":{"state":2.5,"national":2.5}},"clear_gaps":["express","size"],"top_lenders":{"The Huntington National Bank":36,"TowneBank":27,"Pinnacle Bank":16,"Bank of Oak Ridge":15,"Mountain Bizcapital":14},"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."}}