{"citation":"SBA loans to jewelry and watch wholesalers in New York. SBA Express Loans, Janover Capital LLC (data as of June 30, 2026). https://www.sbaexpress.loans/industries/jewelry-watch-precious-stone-precious-metal-merchant-wholesalers/new-york/ 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/jewelry-watch-precious-stone-precious-metal-merchant-wholesalers/new-york/","title":"SBA loans to jewelry and watch wholesalers in New York","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":"NY","name":"New York"},"industry":{"naics":"423940","name":"Jewelry, Watch, Precious Stone, and Precious Metal Merchant Wholesalers","url":"/industries/jewelry-watch-precious-stone-precious-metal-merchant-wholesalers/"},"loans":75,"dollars_approved":36851500,"measures":{"share_of_all_loans_pct":{"state":0.364,"national":0.096,"reading":"Clearly higher"},"median_loan":{"state":150000,"national":150000,"reading":"No clear gap"},"middle_half_of_loans":{"state":{"p25":96000,"p75":350000},"national":{"p25":61250,"p75":350000}},"startup_pct":{"state":0.0,"national":2.8,"reading":"No clear gap"},"new_pct":{"state":null,"national":13.5,"reading":"n/a"},"existing_pct":{"state":96.0,"national":81.3,"reading":"Clearly higher"},"ownership_pct":{"state":0.0,"national":2.1,"reading":"No clear gap"},"express_pct":{"state":42.7,"national":38.0,"reading":"No clear gap"},"loc_pct":{"state":34.7,"national":31.3,"reading":"No clear gap"},"median_term_months":{"state":120,"national":120},"median_spread_over_prime_points":{"state":3.0,"national":2.75}},"clear_gaps":["existing","share"],"top_lenders":{"TD Bank":14,"BayFirst National Bank":12,"M&T Bank":11,"Newtek Bank":6,"JPMorgan Chase Bank":5},"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."}}