{"citation":"SBA loans for garden center and farm supply stores. SBA Express Loans, Janover Capital LLC (data as of June 30, 2026). https://www.sbaexpress.loans/industries/nursery-garden-center-farm-supply-retailers/ Source: SBA 7(a) loan file, June 30, 2026 (https://data.sba.gov/dataset/7a-504-foia).","url":"https://www.sbaexpress.loans/industries/nursery-garden-center-farm-supply-retailers/","title":"SBA loans for garden center and farm supply stores","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":"444240","industry":"Nursery, Garden Center, and Farm Supply 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":189,"dollars":83791500,"median_amount":150000,"p25_amount":50000,"p75_amount":548700,"median_rate":10.0,"median_spread":2.75,"median_term":120,"express_share":42.3,"loc_share":37.6},"all":{"loans":289,"dollars":137904300,"median_amount":200000,"p25_amount":60000,"p75_amount":608000,"median_rate":null,"median_spread":2.43,"median_term":120,"express_share":43.6,"loc_share":36.7},"chargeoff":{"cohort_loans":33,"charged_off_loans":0,"rate_loans":0.0,"rate_dollars":0.0},"lenders":[{"name":"M&T Bank","loans":13,"url":"https://www.sbaexpress.loans/sba-express-lenders/m-and-t-bank/"},{"name":"Columbia Bank","loans":9,"url":"https://www.sbaexpress.loans/sba-express-lenders/columbia-bank/"},{"name":"Readycap Lending, LLC","loans":9,"url":"https://www.sbaexpress.loans/sba-express-lenders/readycap-lending-llc/"},{"name":"Newtek Bank","loans":8,"url":"https://www.sbaexpress.loans/sba-express-lenders/newtek-bank/"},{"name":"Northeast Bank","loans":8,"url":"https://www.sbaexpress.loans/sba-express-lenders/northeast-bank/"}],"states":[{"name":"California","loans":25,"url":"https://www.sbaexpress.loans/california-small-business-loans/"},{"name":"Washington","loans":14,"url":"https://www.sbaexpress.loans/washington-small-business-loans/"},{"name":"New York","loans":12,"url":"https://www.sbaexpress.loans/new-york-small-business-loans/"},{"name":"Florida","loans":10,"url":"https://www.sbaexpress.loans/florida-small-business-loans/"},{"name":"Ohio","loans":8,"url":"https://www.sbaexpress.loans/ohio-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":49,"share_pct":25.9},{"size_band":"$50,001 to $150,000","loans":46,"share_pct":24.3},{"size_band":"$150,001 to $350,000","loans":33,"share_pct":17.5},{"size_band":"$350,001 to $500,000","loans":12,"share_pct":6.3},{"size_band":"$500,001 to $1,000,000","loans":29,"share_pct":15.3},{"size_band":"$1,000,001 to $2,000,000","loans":11,"share_pct":5.8},{"size_band":"Over $2,000,000","loans":9,"share_pct":4.8}]}}