{"citation":"SBA loans to fast-food, pizza and counter-service restaurants in North Carolina. SBA Express Loans, Janover Capital LLC (data as of June 30, 2026). https://www.sbaexpress.loans/industries/limited-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/limited-service-restaurants/north-carolina/","title":"SBA loans to fast-food, pizza and counter-service 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":"722513","name":"Limited-Service Restaurants","url":"/industries/limited-service-restaurants/"},"loans":278,"dollars_approved":180385400,"measures":{"share_of_all_loans_pct":{"state":3.586,"national":3.337,"reading":"No clear gap"},"median_loan":{"state":449400,"national":329000,"reading":"Clearly higher"},"middle_half_of_loans":{"state":{"p25":212000,"p75":696400},"national":{"p25":113250,"p75":575000}},"startup_pct":{"state":55.8,"national":39.5,"reading":"Clearly higher"},"new_pct":{"state":11.9,"national":15.4,"reading":"No clear gap"},"existing_pct":{"state":19.4,"national":30.3,"reading":"Clearly lower"},"ownership_pct":{"state":12.9,"national":14.0,"reading":"No clear gap"},"express_pct":{"state":12.9,"national":23.3,"reading":"Clearly lower"},"loc_pct":{"state":10.8,"national":13.6,"reading":"No clear gap"},"median_term_months":{"state":120,"national":120},"median_spread_over_prime_points":{"state":2.5,"national":2.5}},"clear_gaps":["startup","express","size"],"top_lenders":{"The Huntington National Bank":50,"Live Oak Banking Company":22,"United Community Bank":11,"The Fidelity Bank":9,"North State Bank":8},"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."}}