{"citation":"SBA loans for gift and souvenir shops. SBA Express Loans, Janover Capital LLC (data as of June 30, 2026). https://www.sbaexpress.loans/industries/gift-novelty-souvenir-retailers/ Source: SBA 7(a) loan file, June 30, 2026 (https://data.sba.gov/dataset/7a-504-foia).","url":"https://www.sbaexpress.loans/industries/gift-novelty-souvenir-retailers/","title":"SBA loans for gift and souvenir shops","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); App. 17, Para. B.3 (Para. B begins p. 391); 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":"459420","industry":"Gift, Novelty, and Souvenir Retailers","sector":"Retail Trade","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":330,"dollars":77931400,"median_amount":100000,"p25_amount":42600,"p75_amount":200000,"median_rate":10.5,"median_spread":3.0,"median_term":120,"express_share":43.0,"loc_share":30.6},"all":{"loans":441,"dollars":109743700,"median_amount":100000,"p25_amount":41800,"p75_amount":230000,"median_rate":null,"median_spread":2.75,"median_term":120,"express_share":44.0,"loc_share":30.2},"chargeoff":{"cohort_loans":37,"charged_off_loans":6,"rate_loans":16.2,"rate_dollars":6.2},"lenders":[{"name":"The Huntington National Bank","loans":28,"url":"https://www.sbaexpress.loans/sba-express-lenders/the-huntington-national-bank/"},{"name":"Readycap Lending, LLC","loans":23,"url":"https://www.sbaexpress.loans/sba-express-lenders/readycap-lending-llc/"},{"name":"U.S. Bank","loans":21,"url":"https://www.sbaexpress.loans/sba-express-lenders/u-s-bank/"},{"name":"Newtek Bank","loans":18,"url":"https://www.sbaexpress.loans/sba-express-lenders/newtek-bank/"},{"name":"Northeast Bank","loans":17,"url":"https://www.sbaexpress.loans/sba-express-lenders/northeast-bank/"}],"states":[{"name":"California","loans":32,"url":"https://www.sbaexpress.loans/california-small-business-loans/"},{"name":"New York","loans":23,"url":"https://www.sbaexpress.loans/new-york-small-business-loans/"},{"name":"Texas","loans":22,"url":"https://www.sbaexpress.loans/texas-small-business-loans/"},{"name":"Florida","loans":19,"url":"https://www.sbaexpress.loans/florida-small-business-loans/"},{"name":"Massachusetts","loans":15,"url":"https://www.sbaexpress.loans/massachusetts-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":126,"share_pct":38.2},{"size_band":"$50,001 to $150,000","loans":106,"share_pct":32.1},{"size_band":"$150,001 to $350,000","loans":51,"share_pct":15.5},{"size_band":"$350,001 to $500,000","loans":16,"share_pct":4.8},{"size_band":"$500,001 to $1,000,000","loans":14,"share_pct":4.2},{"size_band":"$1,000,001 to $2,000,000","loans":12,"share_pct":3.6},{"size_band":"Over $2,000,000","loans":5,"share_pct":1.5}]}}