{"citation":"SBA loans to plumbing and HVAC companies in North Carolina. SBA Express Loans, Janover Capital LLC (data as of June 30, 2026). https://www.sbaexpress.loans/industries/plumbing-heating-air-conditioning-contractors/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/plumbing-heating-air-conditioning-contractors/north-carolina/","title":"SBA loans to plumbing and HVAC companies 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":"238220","name":"Plumbing, Heating, and Air-Conditioning Contractors","url":"/industries/plumbing-heating-air-conditioning-contractors/"},"loans":111,"dollars_approved":66572300,"measures":{"share_of_all_loans_pct":{"state":1.432,"national":1.752,"reading":"No clear gap"},"median_loan":{"state":330000,"national":150000,"reading":"Clearly higher"},"middle_half_of_loans":{"state":{"p25":138000,"p75":667350},"national":{"p25":51600,"p75":450000}},"startup_pct":{"state":12.6,"national":8.7,"reading":"No clear gap"},"new_pct":{"state":18.0,"national":15.0,"reading":"No clear gap"},"existing_pct":{"state":45.0,"national":62.5,"reading":"Clearly lower"},"ownership_pct":{"state":24.3,"national":12.7,"reading":"Clearly higher"},"express_pct":{"state":20.7,"national":49.3,"reading":"Clearly lower"},"loc_pct":{"state":19.8,"national":37.8,"reading":"Clearly lower"},"median_term_months":{"state":120,"national":120},"median_spread_over_prime_points":{"state":2.75,"national":2.75}},"clear_gaps":["express","existing","size"],"top_lenders":{"Live Oak Banking Company":17,"Wells Fargo Bank":8,"Readycap Lending, LLC":6,"United Midwest Savings Bank":6,"First 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."}}