{"citation":"SBA loans to retail bakeries in California. SBA Express Loans, Janover Capital LLC (data as of June 30, 2026). https://www.sbaexpress.loans/industries/retail-bakeries/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/retail-bakeries/california/","title":"SBA loans to retail bakeries 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":"recent","from":"2023-10-01","to":"2026-06-30"},"state":{"code":"CA","name":"California"},"industry":{"naics":"311811","name":"Retail Bakeries","url":"/industries/retail-bakeries/"},"loans":59,"dollars_approved":35067000,"measures":{"share_of_all_loans_pct":{"state":0.302,"national":0.32,"reading":"No clear gap"},"median_loan":{"state":475000,"national":150000,"reading":"Clearly higher"},"middle_half_of_loans":{"state":{"p25":128500,"p75":825650},"national":{"p25":50000,"p75":500000}},"startup_pct":{"state":13.6,"national":32.9,"reading":"Clearly lower"},"new_pct":{"state":16.9,"national":15.8,"reading":"No clear gap"},"existing_pct":{"state":61.0,"national":42.6,"reading":"No clear gap"},"ownership_pct":{"state":8.5,"national":8.5,"reading":"No clear gap"},"express_pct":{"state":16.9,"national":28.3,"reading":"No clear gap"},"loc_pct":{"state":null,"national":20.4,"reading":"Clearly lower"},"median_term_months":{"state":120,"national":120},"median_spread_over_prime_points":{"state":2.5,"national":2.5}},"clear_gaps":["loc","size","startup"],"top_lenders":{"U.S. Bank":7},"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."}}