{"citation":"SBA loans to retail bakeries in New York. SBA Express Loans, Janover Capital LLC (data as of June 30, 2026). https://www.sbaexpress.loans/industries/retail-bakeries/new-york/ 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/new-york/","title":"SBA loans to retail bakeries in New York","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":"NY","name":"New York"},"industry":{"naics":"311811","name":"Retail Bakeries","url":"/industries/retail-bakeries/"},"loans":41,"dollars_approved":9448400,"measures":{"share_of_all_loans_pct":{"state":0.382,"national":0.32,"reading":"No clear gap"},"median_loan":{"state":100000,"national":150000,"reading":"No clear gap"},"middle_half_of_loans":{"state":{"p25":50000,"p75":300000},"national":{"p25":50000,"p75":500000}},"startup_pct":{"state":12.2,"national":32.9,"reading":"No clear gap"},"new_pct":{"state":14.6,"national":15.8,"reading":"No clear gap"},"existing_pct":{"state":68.3,"national":42.6,"reading":"Clearly higher"},"ownership_pct":{"state":null,"national":8.5,"reading":"n/a"},"express_pct":{"state":39.0,"national":28.3,"reading":"No clear gap"},"loc_pct":{"state":34.1,"national":20.4,"reading":"No clear gap"},"median_term_months":{"state":120,"national":120},"median_spread_over_prime_points":{"state":3.0,"national":2.5}},"clear_gaps":["existing"],"top_lenders":{"JPMorgan Chase Bank":6},"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."}}