{"citation":"SBA loans to specialty durable goods distributors in Texas. SBA Express Loans, Janover Capital LLC (data as of June 30, 2026). https://www.sbaexpress.loans/industries/other-miscellaneous-durable-goods-merchant-wholesalers/texas/ 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/other-miscellaneous-durable-goods-merchant-wholesalers/texas/","title":"SBA loans to specialty durable goods distributors in Texas","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":"TX","name":"Texas"},"industry":{"naics":"423990","name":"Other Miscellaneous Durable Goods Merchant Wholesalers","url":"/industries/other-miscellaneous-durable-goods-merchant-wholesalers/"},"loans":88,"dollars_approved":81018000,"measures":{"share_of_all_loans_pct":{"state":0.342,"national":0.373,"reading":"No clear gap"},"median_loan":{"state":500000,"national":262750,"reading":"No clear gap"},"middle_half_of_loans":{"state":{"p25":171375,"p75":1214400},"national":{"p25":116000,"p75":865500}},"startup_pct":{"state":null,"national":2.9,"reading":"n/a"},"new_pct":{"state":18.2,"national":12.7,"reading":"No clear gap"},"existing_pct":{"state":64.8,"national":73.7,"reading":"No clear gap"},"ownership_pct":{"state":12.5,"national":10.1,"reading":"No clear gap"},"express_pct":{"state":17.0,"national":35.7,"reading":"Clearly lower"},"loc_pct":{"state":20.5,"national":30.0,"reading":"No clear gap"},"median_term_months":{"state":120,"national":120},"median_spread_over_prime_points":{"state":2.0,"national":2.75}},"clear_gaps":["express"],"top_lenders":{"BayFirst National Bank":9,"Northeast Bank":5,"Readycap Lending, LLC":5,"U.S. 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."}}