{"citation":"SBA loans for hardware stores under the 2017 NAICS code. SBA Express Loans, Janover Capital LLC (data as of June 30, 2026). https://www.sbaexpress.loans/industries/hardware-stores/ Source: SBA 7(a) loan file, June 30, 2026 (https://data.sba.gov/dataset/7a-504-foia).","url":"https://www.sbaexpress.loans/industries/hardware-stores/","title":"SBA loans for hardware stores under the 2017 NAICS code","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); App. 17, Para. A.2 (p. 390); App. 17, Para. A.1 (p. 390); SBA Procedural Notice 5000-876777; 13 CFR § 120.160(a)","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: Sec. B, Ch. 2, Para. B.5 (Para. B begins p. 126); 13 CFR § 120.214(d)(4)","url":"https://www.ecfr.gov/current/title-13/section-120.214"}],"data":{"naics":"444130","industry":"Hardware Stores","sector":"Retail Trade","as_of":"2026-06-30","basis":"all","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":10,"dollars":3688000,"median_amount":175000,"p25_amount":112500,"p75_amount":694750,"median_rate":10.5,"median_spread":2.0,"median_term":120,"express_share":60.0,"loc_share":60.0},"all":{"loans":336,"dollars":234816100,"median_amount":404500,"p25_amount":150000,"p75_amount":894500,"median_rate":null,"median_spread":2.08,"median_term":120,"express_share":31.0,"loc_share":19.3},"chargeoff":{"cohort_loans":319,"charged_off_loans":null,"rate_loans":null,"rate_dollars":null},"lenders":[{"name":"Live Oak Banking Company","loans":28,"url":"https://www.sbaexpress.loans/sba-express-lenders/live-oak-banking-company/"},{"name":"Wells Fargo Bank","loans":25,"url":"https://www.sbaexpress.loans/sba-express-lenders/wells-fargo-bank/"},{"name":"The Huntington National Bank","loans":22,"url":"https://www.sbaexpress.loans/sba-express-lenders/the-huntington-national-bank/"},{"name":"Newtek Small Business Finance","loans":14,"url":"https://www.sbaexpress.loans/sba-express-lenders/newtek-small-business-finance/"},{"name":"National Cooperative Bank","loans":12,"url":null}],"states":[{"name":"California","loans":27,"url":"https://www.sbaexpress.loans/california-small-business-loans/"},{"name":"Texas","loans":25,"url":"https://www.sbaexpress.loans/texas-small-business-loans/"},{"name":"Minnesota","loans":21,"url":"https://www.sbaexpress.loans/minnesota-small-business-loans/"},{"name":"Indiana","loans":16,"url":"https://www.sbaexpress.loans/indiana-small-business-loans/"},{"name":"Georgia","loans":15,"url":"https://www.sbaexpress.loans/georgia-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":41,"share_pct":12.2},{"size_band":"$50,001 to $150,000","loans":53,"share_pct":15.8},{"size_band":"$150,001 to $350,000","loans":60,"share_pct":17.9},{"size_band":"$350,001 to $500,000","loans":38,"share_pct":11.3},{"size_band":"$500,001 to $1,000,000","loans":71,"share_pct":21.1},{"size_band":"$1,000,001 to $2,000,000","loans":49,"share_pct":14.6},{"size_band":"Over $2,000,000","loans":24,"share_pct":7.1}]}}