{"citation":"SBA loans to physical therapy, speech therapy and audiology practices in California. SBA Express Loans, Janover Capital LLC (data as of June 30, 2026). https://www.sbaexpress.loans/industries/offices-of-physical-occupational-speech-therapists-audiologists/california/ 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/offices-of-physical-occupational-speech-therapists-audiologists/california/","title":"SBA loans to physical therapy, speech therapy and audiology practices in California","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":"CA","name":"California"},"industry":{"naics":"621340","name":"Offices of Physical, Occupational and Speech Therapists, and Audiologists","url":"/industries/offices-of-physical-occupational-speech-therapists-audiologists/"},"loans":165,"dollars_approved":78447700,"measures":{"share_of_all_loans_pct":{"state":0.424,"national":0.563,"reading":"No clear gap"},"median_loan":{"state":150000,"national":150000,"reading":"No clear gap"},"middle_half_of_loans":{"state":{"p25":80400,"p75":502100},"national":{"p25":50000,"p75":350000}},"startup_pct":{"state":6.7,"national":22.2,"reading":"Clearly lower"},"new_pct":{"state":9.7,"national":14.8,"reading":"No clear gap"},"existing_pct":{"state":72.7,"national":56.0,"reading":"Clearly higher"},"ownership_pct":{"state":9.1,"national":6.1,"reading":"No clear gap"},"express_pct":{"state":27.9,"national":40.4,"reading":"Clearly lower"},"loc_pct":{"state":19.4,"national":28.8,"reading":"No clear gap"},"median_term_months":{"state":120,"national":120},"median_spread_over_prime_points":{"state":2.75,"national":2.75}},"clear_gaps":["startup","express"],"top_lenders":{"U.S. Bank":16,"Newtek Bank":13,"Wells Fargo Bank":13,"Bank of America":12,"JPMorgan Chase Bank":11},"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."}}