{"source":"SBA 7(a) FOIA loan file (data.sba.gov), change-of-ownership loans only, aggregated","publisher":"SBA Acquisition Data","page":"https://sbaacquisitiondata.com/state/il","type":"state","name":"Illinois","as_of":"2026-09-30","fy_min":2018,"fy_max":2026,"license":"https://www.usa.gov/government-works","data":{"code":"IL","name":"Illinois","slug":"il","summary":{"loans":1779,"dollars":2000955800,"median":650000,"mean":1124764,"p25":300000,"p75":1551000,"avg_rate":7.78,"median_term":120,"guaranty_share":0.754,"jobs":27840,"franchise_loans":373,"recent_loans":495},"by_fy":[{"fy":2018,"loans":169,"dollars":152960700,"median":518000},{"fy":2019,"loans":190,"dollars":153767900,"median":465700},{"fy":2020,"loans":171,"dollars":190999700,"median":694000},{"fy":2021,"loans":189,"dollars":198976700,"median":695000},{"fy":2022,"loans":181,"dollars":256687900,"median":833000},{"fy":2023,"loans":146,"dollars":169395400,"median":650800},{"fy":2024,"loans":238,"dollars":264053000,"median":587500},{"fy":2025,"loans":281,"dollars":333283900,"median":725000},{"fy":2026,"loans":214,"dollars":280830600,"median":795000}],"seasoned":{"loans":719,"charged_off":32,"paid_in_full":396,"chargeoff_rate":0.0445,"chargeoff_dollar_rate":0.0282,"fy_min":2018,"fy_max":2021},"compare":{"entity":{"loans":1779,"median":650000,"p25":300000,"p75":1551000,"avg_rate":7.78,"median_term":120,"chargeoff_rate":0.0445},"parents":[]},"concentration":{"by":"lender","top1":0.1135,"top3":0.3086,"n3plus":106,"distinct":203},"recent":{"loans":495,"median":749500,"prior_loans":384,"change":0.2891},"size_mix":{"lt350k":0.2979,"350k_1m":0.3328,"1m_2m":0.1827,"gt2m":0.1866},"top_industries":[{"key":"722511","loans":119,"dollars":69760700,"name":"Full-Service Restaurants","slug":"full-service-restaurants-722511"},{"key":"721110","loans":103,"dollars":276132500,"name":"Hotels (except Casino Hotels) and Motels","slug":"hotels-except-casino-hotels-and-motels-721110"},{"key":"722513","loans":90,"dollars":74407400,"name":"Limited-Service Restaurants","slug":"limited-service-restaurants-722513"},{"key":"457110","loans":73,"dollars":106731300,"name":"Gasoline Stations with Convenience Stores","slug":"gasoline-stations-with-convenience-stores-457110"},{"key":"445320","loans":60,"dollars":63269600,"name":"Beer, Wine, and Liquor Retailers","slug":"beer-wine-and-liquor-retailers-445320"},{"key":"811111","loans":42,"dollars":40572300,"name":"General Automotive Repair","slug":"general-automotive-repair-811111"},{"key":"238220","loans":38,"dollars":36250500,"name":"Plumbing, Heating, and Air-Conditioning Contractors","slug":"plumbing-heating-and-air-conditioning-contractors-238220"},{"key":"541211","loans":33,"dollars":27295400,"name":"Offices of Certified Public Accountants","slug":"offices-of-certified-public-accountants-541211"},{"key":"621310","loans":30,"dollars":12014800,"name":"Offices of Chiropractors","slug":"offices-of-chiropractors-621310"},{"key":"238990","loans":29,"dollars":29670200,"name":"All Other Specialty Trade Contractors","slug":"all-other-specialty-trade-contractors-238990"},{"key":"624410","loans":25,"dollars":26728100,"name":"Child Care Services","slug":"child-care-services-624410"},{"key":"621610","loans":25,"dollars":22023900,"name":"Home Health Care Services","slug":"home-health-care-services-621610"},{"key":"524210","loans":24,"dollars":23130500,"name":"Insurance Agencies and Brokerages","slug":"insurance-agencies-and-brokerages-524210"},{"key":"812210","loans":23,"dollars":45079300,"name":"Funeral Homes and Funeral Services","slug":"funeral-homes-and-funeral-services-812210"},{"key":"445110","loans":23,"dollars":32491400,"name":"Supermarkets and Other Grocery Retailers (except Convenience Retailers)","slug":"supermarkets-and-other-grocery-retailers-except-convenience-retailers-445110"},{"key":"722410","loans":23,"dollars":14609400,"name":"Drinking Places (Alcoholic Beverages)","slug":"drinking-places-alcoholic-beverages-722410"},{"key":"812320","loans":21,"dollars":8908400,"name":"Drycleaning and Laundry Services (except Coin-Operated)","slug":"drycleaning-and-laundry-services-except-coin-operated-812320"},{"key":"561730","loans":20,"dollars":11386900,"name":"Landscaping Services","slug":"landscaping-services-561730"},{"key":"621210","loans":19,"dollars":11537700,"name":"Offices of Dentists","slug":"offices-of-dentists-621210"},{"key":"332710","loans":18,"dollars":30552800,"name":"Machine Shops","slug":"machine-shops-332710"}],"top_lenders":[{"key":"The Huntington National Bank","loans":202,"dollars":132179300,"name":"The Huntington National Bank","slug":"the-huntington-national-bank"},{"key":"Byline Bank","loans":194,"dollars":260664100,"name":"Byline Bank","slug":"byline-bank"},{"key":"Live Oak Banking Company","loans":153,"dollars":220590700,"name":"Live Oak Banking Company","slug":"live-oak-banking-company"},{"key":"CenTrust Bank, A Division of SmartBiz Bank National Association","loans":45,"dollars":58736500,"name":"CenTrust Bank, A Division of SmartBiz Bank National Association","slug":"centrust-bank-a-division-of-smartbiz-bank-national-association"},{"key":"First Mid Bank & Trust, National Association","loans":42,"dollars":18462200,"name":"First Mid Bank & Trust, National Association","slug":"first-mid-bank-and-trust-national-association"},{"key":"GBank","loans":41,"dollars":116023600,"name":"GBank","slug":"gbank"},{"key":"Village Bank and Trust, National Association","loans":41,"dollars":27549500,"name":"Village Bank and Trust, National Association","slug":"village-bank-and-trust-national-association"},{"key":"Merchants Bank of Indiana","loans":38,"dollars":63188100,"name":"Merchants Bank of Indiana","slug":"merchants-bank-of-indiana"},{"key":"Old National Bank","loans":37,"dollars":58567700,"name":"Old National Bank","slug":"old-national-bank"},{"key":"Busey Bank","loans":35,"dollars":46259200,"name":"Busey Bank","slug":"busey-bank"},{"key":"Midland States Bank","loans":33,"dollars":30036400,"name":"Midland States Bank","slug":"midland-states-bank"},{"key":"Bank of Springfield","loans":32,"dollars":14918200,"name":"Bank of Springfield","slug":"bank-of-springfield"},{"key":"First Internet Bank of Indiana","loans":25,"dollars":40102300,"name":"First Internet Bank of Indiana","slug":"first-internet-bank-of-indiana"},{"key":"CIBC Bank USA","loans":25,"dollars":32654000,"name":"CIBC Bank USA","slug":"cibc-bank-usa"},{"key":"Centerstone SBA Lending, Inc.","loans":23,"dollars":23567000,"name":"Centerstone SBA Lending, Inc.","slug":"centerstone-sba-lending-inc"}],"top_franchises":[{"key":"S1788","loans":24,"dollars":11161900,"name":"The UPS Store","slug":"the-ups-store"},{"key":"S1645","loans":13,"dollars":28414500,"name":"Super 8","slug":"super-8"},{"key":"S1373","loans":10,"dollars":24919800,"name":"Quality Inn","slug":"quality-inn"},{"key":"S3094","loans":10,"dollars":13619800,"name":"World Fuel Services","slug":"world-fuel-services"},{"key":"S0480","loans":10,"dollars":6041000,"name":"Dairy Queen","slug":"dairy-queen"},{"key":"S1639","loans":10,"dollars":2874600,"name":"Subway","slug":"subway"},{"key":"S1273","loans":8,"dollars":10396000,"name":"Papa John's","slug":"papa-johns"},{"key":"S0431","loans":7,"dollars":30195500,"name":"Country Inn and Suites by Radisson","slug":"country-inn-and-suites-by-radisson"},{"key":"S0488","loans":7,"dollars":18076200,"name":"Days Inn","slug":"days-inn"},{"key":"S6763","loans":7,"dollars":15270000,"name":"Parent Petroleum","slug":"parent-petroleum"},{"key":"S1133","loans":7,"dollars":15169600,"name":"Motel 6","slug":"motel-6"},{"key":"S1570","loans":7,"dollars":2712400,"name":"Signarama","slug":"signarama"},{"key":"S1414","loans":6,"dollars":18951000,"name":"Red Roof Inn","slug":"red-roof-inn"},{"key":"S0253","loans":6,"dollars":9310000,"name":"BrightStar Care","slug":"brightstar-care"},{"key":"S1450","loans":6,"dollars":2013500,"name":"Rosati's Pizza","slug":"rosatis-pizza"}],"industries":[{"naics":"722511","name":"Full-Service Restaurants","slug":"full-service-restaurants-722511","loans":119,"dollars":69760700,"median":350000,"summary":{"loans":119,"dollars":69760700,"median":350000,"mean":586224,"p25":190650,"p75":772500,"avg_rate":8.12,"median_term":120,"guaranty_share":0.751,"jobs":2677,"franchise_loans":18,"recent_loans":33},"by_fy":[{"fy":2018,"loans":10,"dollars":3682900,"median":241000},{"fy":2019,"loans":16,"dollars":11506300,"median":496500},{"fy":2020,"loans":7,"dollars":6209300,"median":502000},{"fy":2021,"loans":10,"dollars":3551700,"median":240000},{"fy":2022,"loans":14,"dollars":7244600,"median":344400},{"fy":2023,"loans":10,"dollars":6125000,"median":365000},{"fy":2024,"loans":19,"dollars":7787000,"median":355000},{"fy":2025,"loans":19,"dollars":12268200,"median":450000},{"fy":2026,"loans":14,"dollars":11385700,"median":522000}],"seasoned":{"loans":43,"charged_off":4,"paid_in_full":26,"chargeoff_rate":0.093,"chargeoff_dollar_rate":0.0505,"fy_min":2018,"fy_max":2021},"compare":{"entity":{"loans":119,"median":350000,"p25":190650,"p75":772500,"avg_rate":8.12,"median_term":120,"chargeoff_rate":0.093},"parents":[{"kind":"state","id":"IL","loans":1779,"median":650000,"p25":300000,"p75":1551000,"avg_rate":7.78,"median_term":120,"chargeoff_rate":0.0445},{"kind":"industry","id":"722511","loans":2797,"median":411700,"p25":225000,"p75":819000,"avg_rate":8.08,"median_term":120,"chargeoff_rate":0.0586}]},"concentration":{"by":"lender","top1":0.3445,"top3":0.4706,"n3plus":9,"distinct":49},"recent":{"loans":33,"median":517000,"prior_loans":29,"change":0.1379},"size_mix":{"lt350k":0.4874,"350k_1m":0.3445,"1m_2m":0.1261,"gt2m":0.042},"top_lenders":[{"key":"The Huntington National Bank","loans":41,"dollars":16553700,"name":"The Huntington National Bank","slug":"the-huntington-national-bank"},{"key":"Byline Bank","loans":11,"dollars":12079000,"name":"Byline Bank","slug":"byline-bank"},{"key":"First Mid Bank & Trust, National Association","loans":4,"dollars":2414300,"name":"First Mid Bank & Trust, National Association","slug":"first-mid-bank-and-trust-national-association"},{"key":"First Bankers Trust Company National Association","loans":4,"dollars":934000,"name":"First Bankers Trust Company National Association","slug":null},{"key":"CenTrust Bank, A Division of SmartBiz Bank National Association","loans":3,"dollars":4810000,"name":"CenTrust Bank, A Division of SmartBiz Bank National Association","slug":"centrust-bank-a-division-of-smartbiz-bank-national-association"}],"top_franchises":[{"key":"S1639","loans":5,"dollars":1920500,"name":"Subway","slug":"subway"},{"key":"S1450","loans":3,"dollars":704600,"name":"Rosati's Pizza","slug":"rosatis-pizza"},{"key":"S0449","loans":2,"dollars":1279000,"name":"Culver's","slug":"culvers"},{"key":"S0270","loans":2,"dollars":1064000,"name":"Buffalo Wings & Rings","slug":"buffalo-wings-and-rings"},{"key":"S0906","loans":1,"dollars":1066400,"name":"Jimmy John's","slug":"jimmy-johns"}]},{"naics":"721110","name":"Hotels (except Casino Hotels) and Motels","slug":"hotels-except-casino-hotels-and-motels-721110","loans":103,"dollars":276132500,"median":2550000,"summary":{"loans":103,"dollars":276132500,"median":2550000,"mean":2680898,"p25":1632500,"p75":3623500,"avg_rate":7.44,"median_term":300,"guaranty_share":0.754,"jobs":1012,"franchise_loans":85,"recent_loans":23},"by_fy":[{"fy":2018,"loans":11,"dollars":25933100,"median":2550000},{"fy":2019,"loans":12,"dollars":26520500,"median":2285750},{"fy":2020,"loans":10,"dollars":27650800,"median":2544000},{"fy":2021,"loans":8,"dollars":18077500,"median":1800400},{"fy":2022,"loans":18,"dollars":45465800,"median":2362250},{"fy":2023,"loans":6,"dollars":16979500,"median":2917750},{"fy":2024,"loans":15,"dollars":45723700,"median":3376000},{"fy":2025,"loans":16,"dollars":46013300,"median":3054000},{"fy":2026,"loans":7,"dollars":23768300,"median":2621200}],"seasoned":{"loans":41,"charged_off":1,"paid_in_full":27,"chargeoff_rate":0.0244,"chargeoff_dollar_rate":0.0039,"fy_min":2018,"fy_max":2021},"compare":{"entity":{"loans":103,"median":2550000,"p25":1632500,"p75":3623500,"avg_rate":7.44,"median_term":300,"chargeoff_rate":0.0244},"parents":[{"kind":"state","id":"IL","loans":1779,"median":650000,"p25":300000,"p75":1551000,"avg_rate":7.78,"median_term":120,"chargeoff_rate":0.0445},{"kind":"industry","id":"721110","loans":2310,"median":2621250,"p25":1644250,"p75":4100000,"avg_rate":7.11,"median_term":300,"chargeoff_rate":0.008}]},"concentration":{"by":"lender","top1":0.3398,"top3":0.534,"n3plus":11,"distinct":27},"recent":{"loans":23,"median":3048000,"prior_loans":21,"change":0.0952},"size_mix":{"lt350k":0.0291,"350k_1m":0.1359,"1m_2m":0.1553,"gt2m":0.6796},"top_lenders":[{"key":"GBank","loans":35,"dollars":109249300,"name":"GBank","slug":"gbank"},{"key":"Millennium Bank","loans":11,"dollars":32359700,"name":"Millennium Bank","slug":"millennium-bank"},{"key":"First Western SBLC, LLC d/b/a Peachtree Group","loans":9,"dollars":12599000,"name":"First Western SBLC, LLC d/b/a Peachtree Group","slug":"first-western-sblc-llc-d-b-a-peachtree-group"},{"key":"Merchants Bank of Indiana","loans":5,"dollars":14172200,"name":"Merchants Bank of Indiana","slug":"merchants-bank-of-indiana"},{"key":"Byline Bank","loans":4,"dollars":13698000,"name":"Byline Bank","slug":"byline-bank"}],"top_franchises":[{"key":"S1645","loans":13,"dollars":28414500,"name":"Super 8","slug":"super-8"},{"key":"S1373","loans":10,"dollars":24919800,"name":"Quality Inn","slug":"quality-inn"},{"key":"S0431","loans":7,"dollars":30195500,"name":"Country Inn and Suites by Radisson","slug":"country-inn-and-suites-by-radisson"},{"key":"S0488","loans":7,"dollars":18076200,"name":"Days Inn","slug":"days-inn"},{"key":"S1133","loans":7,"dollars":15169600,"name":"Motel 6","slug":"motel-6"}]},{"naics":"722513","name":"Limited-Service Restaurants","slug":"limited-service-restaurants-722513","loans":90,"dollars":74407400,"median":412500,"summary":{"loans":90,"dollars":74407400,"median":412500,"mean":826749,"p25":227025,"p75":1040250,"avg_rate":7.97,"median_term":120,"guaranty_share":0.76,"jobs":2118,"franchise_loans":53,"recent_loans":15},"by_fy":[{"fy":2018,"loans":12,"dollars":8815200,"median":287000},{"fy":2019,"loans":13,"dollars":12582500,"median":275000},{"fy":2020,"loans":12,"dollars":9358300,"median":589850},{"fy":2021,"loans":9,"dollars":6515500,"median":692000},{"fy":2022,"loans":7,"dollars":6546900,"median":350000},{"fy":2023,"loans":6,"dollars":2468200,"median":437400},{"fy":2024,"loans":16,"dollars":9383000,"median":391500},{"fy":2025,"loans":6,"dollars":6220800,"median":550000},{"fy":2026,"loans":9,"dollars":12517000,"median":1005000}],"seasoned":{"loans":46,"charged_off":2,"paid_in_full":31,"chargeoff_rate":0.0435,"chargeoff_dollar_rate":0.0721,"fy_min":2018,"fy_max":2021},"compare":{"entity":{"loans":90,"median":412500,"p25":227025,"p75":1040250,"avg_rate":7.97,"median_term":120,"chargeoff_rate":0.0435},"parents":[{"kind":"state","id":"IL","loans":1779,"median":650000,"p25":300000,"p75":1551000,"avg_rate":7.78,"median_term":120,"chargeoff_rate":0.0445},{"kind":"industry","id":"722513","loans":2222,"median":350000,"p25":202500,"p75":693375,"avg_rate":7.83,"median_term":120,"chargeoff_rate":0.053}]},"concentration":{"by":"lender","top1":0.1444,"top3":0.3333,"n3plus":11,"distinct":37},"recent":{"loans":15,"median":600000,"prior_loans":22,"change":-0.3182},"size_mix":{"lt350k":0.4556,"350k_1m":0.2778,"1m_2m":0.1667,"gt2m":0.1},"top_lenders":[{"key":"Byline Bank","loans":13,"dollars":15709000,"name":"Byline Bank","slug":"byline-bank"},{"key":"The Huntington National Bank","loans":10,"dollars":7072500,"name":"The Huntington National Bank","slug":"the-huntington-national-bank"},{"key":"Live Oak Banking Company","loans":7,"dollars":10102000,"name":"Live Oak Banking Company","slug":"live-oak-banking-company"},{"key":"First Mid Bank & Trust, National Association","loans":5,"dollars":1718300,"name":"First Mid Bank & Trust, National Association","slug":"first-mid-bank-and-trust-national-association"},{"key":"Village Bank and Trust, National Association","loans":5,"dollars":1335000,"name":"Village Bank and Trust, National Association","slug":"village-bank-and-trust-national-association"}],"top_franchises":[{"key":"S1273","loans":8,"dollars":10396000,"name":"Papa John's","slug":"papa-johns"},{"key":"S0480","loans":8,"dollars":5160000,"name":"Dairy Queen","slug":"dairy-queen"},{"key":"S1639","loans":5,"dollars":954100,"name":"Subway","slug":"subway"},{"key":"S3305","loans":4,"dollars":1154800,"name":"Imo's Pizza","slug":"imos-pizza"},{"key":"S1009","loans":3,"dollars":2819700,"name":"Little Caesars","slug":"little-caesars"}]},{"naics":"457110","name":"Gasoline Stations with Convenience Stores","slug":"gasoline-stations-with-convenience-stores-457110","loans":73,"dollars":106731300,"median":1400000,"summary":{"loans":73,"dollars":106731300,"median":1400000,"mean":1462073,"p25":840000,"p75":1825000,"avg_rate":7.74,"median_term":300,"guaranty_share":0.753,"jobs":458,"franchise_loans":47,"recent_loans":21},"by_fy":[{"fy":2018,"loans":3,"dollars":1770000,"median":480000},{"fy":2019,"loans":8,"dollars":12582500,"median":1555000},{"fy":2020,"loans":10,"dollars":11718800,"median":1265600},{"fy":2021,"loans":9,"dollars":11635800,"median":1260000},{"fy":2022,"loans":10,"dollars":18738300,"median":1676150},{"fy":2023,"loans":8,"dollars":11297300,"median":1557750},{"fy":2024,"loans":4,"dollars":8017000,"median":1711000},{"fy":2025,"loans":8,"dollars":12668300,"median":1525450},{"fy":2026,"loans":13,"dollars":18303300,"median":1600000}],"seasoned":{"loans":30,"charged_off":1,"paid_in_full":19,"chargeoff_rate":0.0333,"chargeoff_dollar_rate":0.0148,"fy_min":2018,"fy_max":2021},"compare":{"entity":{"loans":73,"median":1400000,"p25":840000,"p75":1825000,"avg_rate":7.74,"median_term":300,"chargeoff_rate":0.0333},"parents":[{"kind":"state","id":"IL","loans":1779,"median":650000,"p25":300000,"p75":1551000,"avg_rate":7.78,"median_term":120,"chargeoff_rate":0.0445},{"kind":"industry","id":"457110","loans":1347,"median":1436000,"p25":800000,"p75":2415600,"avg_rate":7.36,"median_term":300,"chargeoff_rate":0.0086}]},"concentration":{"by":"lender","top1":0.3836,"top3":0.5342,"n3plus":7,"distinct":24},"recent":{"loans":21,"median":1600000,"prior_loans":12,"change":0.75},"size_mix":{"lt350k":0.0685,"350k_1m":0.2466,"1m_2m":0.4932,"gt2m":0.1918},"top_lenders":[{"key":"Byline Bank","loans":28,"dollars":50385600,"name":"Byline Bank","slug":"byline-bank"},{"key":"Merchants Bank of Indiana","loans":7,"dollars":11378700,"name":"Merchants Bank of Indiana","slug":"merchants-bank-of-indiana"},{"key":"Millennium Bank","loans":4,"dollars":4182500,"name":"Millennium Bank","slug":"millennium-bank"},{"key":"The Huntington National Bank","loans":4,"dollars":3723300,"name":"The Huntington National Bank","slug":"the-huntington-national-bank"},{"key":"First Internet Bank of Indiana","loans":4,"dollars":3416600,"name":"First Internet Bank of Indiana","slug":"first-internet-bank-of-indiana"}],"top_franchises":[{"key":"S3094","loans":10,"dollars":13619800,"name":"World Fuel Services","slug":"world-fuel-services"},{"key":"S6763","loans":7,"dollars":15270000,"name":"Parent Petroleum","slug":"parent-petroleum"},{"key":"S2801","loans":3,"dollars":5481500,"name":"U.S. Oil (Mobil)","slug":"u-s-oil-mobil"},{"key":"S6409","loans":3,"dollars":1600000,"name":"GPM Empire","slug":"gpm-empire"},{"key":"S2146","loans":2,"dollars":2392000,"name":"Circle K","slug":"circle-k"}]},{"naics":"445320","name":"Beer, Wine, and Liquor Retailers","slug":"beer-wine-and-liquor-retailers-445320","loans":60,"dollars":63269600,"median":837500,"summary":{"loans":60,"dollars":63269600,"median":837500,"mean":1054493,"p25":433250,"p75":1293750,"avg_rate":8.15,"median_term":120,"guaranty_share":0.752,"jobs":313,"franchise_loans":0,"recent_loans":20},"by_fy":[{"fy":2018,"loans":6,"dollars":5492000,"median":675000},{"fy":2019,"loans":6,"dollars":3406400,"median":501750},{"fy":2020,"loans":6,"dollars":4220700,"median":590500},{"fy":2021,"loans":3,"dollars":3717000,"median":852000},{"fy":2022,"loans":6,"dollars":7508500,"median":1089000},{"fy":2023,"loans":9,"dollars":12821000,"median":1450000},{"fy":2024,"loans":4,"dollars":4584000,"median":1225000},{"fy":2025,"loans":12,"dollars":15439000,"median":922500},{"fy":2026,"loans":8,"dollars":6081000,"median":392500}],"seasoned":{"loans":21,"charged_off":0,"paid_in_full":13,"chargeoff_rate":0,"chargeoff_dollar_rate":0,"fy_min":2018,"fy_max":2021},"compare":{"entity":{"loans":60,"median":837500,"p25":433250,"p75":1293750,"avg_rate":8.15,"median_term":120,"chargeoff_rate":0},"parents":[{"kind":"state","id":"IL","loans":1779,"median":650000,"p25":300000,"p75":1551000,"avg_rate":7.78,"median_term":120,"chargeoff_rate":0.0445},{"kind":"industry","id":"445320","loans":1736,"median":650000,"p25":370875,"p75":1166250,"avg_rate":7.66,"median_term":120,"chargeoff_rate":0.014}]},"concentration":{"by":"lender","top1":0.35,"top3":0.5667,"n3plus":3,"distinct":25},"recent":{"loans":20,"median":761500,"prior_loans":13,"change":0.5385},"size_mix":{"lt350k":0.15,"350k_1m":0.45,"1m_2m":0.2667,"gt2m":0.1333},"top_lenders":[{"key":"Byline Bank","loans":21,"dollars":30958000,"name":"Byline Bank","slug":"byline-bank"},{"key":"Centerstone SBA Lending, Inc.","loans":7,"dollars":9866000,"name":"Centerstone SBA Lending, Inc.","slug":"centerstone-sba-lending-inc"},{"key":"Village Bank and Trust, National Association","loans":6,"dollars":2658000,"name":"Village Bank and Trust, National Association","slug":"village-bank-and-trust-national-association"},{"key":"GBank","loans":2,"dollars":2116000,"name":"GBank","slug":"gbank"},{"key":"Simmons Bank","loans":2,"dollars":1723500,"name":"Simmons Bank","slug":"simmons-bank"}],"top_franchises":[]},{"naics":"811111","name":"General Automotive Repair","slug":"general-automotive-repair-811111","loans":42,"dollars":40572300,"median":737500,"summary":{"loans":42,"dollars":40572300,"median":737500,"mean":966007,"p25":430500,"p75":1398750,"avg_rate":8.14,"median_term":174,"guaranty_share":0.738,"jobs":438,"franchise_loans":5,"recent_loans":18},"by_fy":[{"fy":2018,"loans":1,"dollars":688000,"median":688000},{"fy":2019,"loans":5,"dollars":1523300,"median":275000},{"fy":2020,"loans":1,"dollars":2720000,"median":2720000},{"fy":2021,"loans":4,"dollars":3969400,"median":1009700},{"fy":2022,"loans":2,"dollars":2440000,"median":1220000},{"fy":2023,"loans":5,"dollars":3706000,"median":750000},{"fy":2024,"loans":6,"dollars":7555000,"median":1133500},{"fy":2025,"loans":9,"dollars":9068900,"median":725000},{"fy":2026,"loans":9,"dollars":8901700,"median":877200}],"seasoned":{"loans":11,"charged_off":0,"paid_in_full":8,"chargeoff_rate":0,"chargeoff_dollar_rate":0,"fy_min":2018,"fy_max":2021},"compare":{"entity":{"loans":42,"median":737500,"p25":430500,"p75":1398750,"avg_rate":8.14,"median_term":174,"chargeoff_rate":null},"parents":[{"kind":"state","id":"IL","loans":1779,"median":650000,"p25":300000,"p75":1551000,"avg_rate":7.78,"median_term":120,"chargeoff_rate":0.0445},{"kind":"industry","id":"811111","loans":1089,"median":562500,"p25":300000,"p75":1077400,"avg_rate":7.87,"median_term":120,"chargeoff_rate":0.0441}]},"concentration":{"by":"lender","top1":0.3095,"top3":0.4762,"n3plus":3,"distinct":20},"recent":{"loans":18,"median":808700,"prior_loans":11,"change":0.6364},"size_mix":{"lt350k":0.1667,"350k_1m":0.4762,"1m_2m":0.2619,"gt2m":0.0952},"top_lenders":[{"key":"Live Oak Banking Company","loans":13,"dollars":14075500,"name":"Live Oak Banking Company","slug":"live-oak-banking-company"},{"key":"The Huntington National Bank","loans":4,"dollars":3120000,"name":"The Huntington National Bank","slug":"the-huntington-national-bank"},{"key":"Citizens Bank","loans":3,"dollars":3109700,"name":"Citizens Bank","slug":"citizens-bank"},{"key":"Barrington Bank & Trust Company, National Association","loans":2,"dollars":5048000,"name":"Barrington Bank & Trust Company, National Association","slug":null},{"key":"CenTrust Bank, A Division of SmartBiz Bank National Association","loans":2,"dollars":3909000,"name":"CenTrust Bank, A Division of SmartBiz Bank National Association","slug":"centrust-bank-a-division-of-smartbiz-bank-national-association"}],"top_franchises":[{"key":"S1101","loans":4,"dollars":5355000,"name":"Meineke Car Care Center","slug":"meineke-car-care-center"}]},{"naics":"238220","name":"Plumbing, Heating, and Air-Conditioning Contractors","slug":"plumbing-heating-and-air-conditioning-contractors-238220","loans":38,"dollars":36250500,"median":663500,"summary":{"loans":38,"dollars":36250500,"median":663500,"mean":953961,"p25":252800,"p75":1222250,"avg_rate":8.08,"median_term":120,"guaranty_share":0.74,"jobs":515,"franchise_loans":1,"recent_loans":10},"by_fy":[{"fy":2018,"loans":5,"dollars":4208100,"median":459900},{"fy":2019,"loans":4,"dollars":2423400,"median":480600},{"fy":2020,"loans":4,"dollars":4027500,"median":879750},{"fy":2021,"loans":1,"dollars":627000,"median":627000},{"fy":2022,"loans":2,"dollars":3350000,"median":1675000},{"fy":2023,"loans":4,"dollars":2577000,"median":488500},{"fy":2024,"loans":8,"dollars":11738000,"median":671500},{"fy":2025,"loans":7,"dollars":5800500,"median":891000},{"fy":2026,"loans":3,"dollars":1499000,"median":200000}],"seasoned":{"loans":14,"charged_off":0,"paid_in_full":7,"chargeoff_rate":0,"chargeoff_dollar_rate":0,"fy_min":2018,"fy_max":2021},"compare":{"entity":{"loans":38,"median":663500,"p25":252800,"p75":1222250,"avg_rate":8.08,"median_term":120,"chargeoff_rate":null},"parents":[{"kind":"state","id":"IL","loans":1779,"median":650000,"p25":300000,"p75":1551000,"avg_rate":7.78,"median_term":120,"chargeoff_rate":0.0445},{"kind":"industry","id":"238220","loans":921,"median":734000,"p25":293300,"p75":1545000,"avg_rate":8.01,"median_term":120,"chargeoff_rate":0.0245}]},"concentration":{"by":"lender","top1":0.2105,"top3":0.3684,"n3plus":2,"distinct":22},"recent":{"loans":10,"median":886750,"prior_loans":12,"change":-0.1667},"size_mix":{"lt350k":0.3684,"350k_1m":0.2895,"1m_2m":0.2368,"gt2m":0.1053},"top_lenders":[{"key":"Live Oak Banking Company","loans":8,"dollars":15052000,"name":"Live Oak Banking Company","slug":"live-oak-banking-company"},{"key":"Wheaton Bank & Trust Company, National Association","loans":4,"dollars":1418000,"name":"Wheaton Bank & Trust Company, National Association","slug":null},{"key":"First Mid Bank & Trust, National Association","loans":2,"dollars":2699100,"name":"First Mid Bank & Trust, National Association","slug":"first-mid-bank-and-trust-national-association"},{"key":"Barrington Bank & Trust Company, National Association","loans":2,"dollars":1784000,"name":"Barrington Bank & Trust Company, National Association","slug":null},{"key":"Southern Bank","loans":2,"dollars":1668700,"name":"Southern Bank","slug":"southern-bank"}],"top_franchises":[{"key":"S2299","loans":1,"dollars":349000,"name":"True Value","slug":"true-value"}]},{"naics":"541211","name":"Offices of Certified Public Accountants","slug":"offices-of-certified-public-accountants-541211","loans":33,"dollars":27295400,"median":409000,"summary":{"loans":33,"dollars":27295400,"median":409000,"mean":827133,"p25":248000,"p75":924800,"avg_rate":8.23,"median_term":120,"guaranty_share":0.735,"jobs":231,"franchise_loans":0,"recent_loans":11},"by_fy":[{"fy":2018,"loans":0,"dollars":0,"median":null},{"fy":2019,"loans":2,"dollars":1262100,"median":631050},{"fy":2020,"loans":3,"dollars":1363400,"median":304300},{"fy":2021,"loans":2,"dollars":952000,"median":476000},{"fy":2022,"loans":1,"dollars":3375000,"median":3375000},{"fy":2023,"loans":2,"dollars":969500,"median":484750},{"fy":2024,"loans":12,"dollars":8592700,"median":610000},{"fy":2025,"loans":6,"dollars":5119700,"median":511000},{"fy":2026,"loans":5,"dollars":5661000,"median":350000}],"seasoned":{"loans":7,"charged_off":0,"paid_in_full":3,"chargeoff_rate":0,"chargeoff_dollar_rate":0,"fy_min":2019,"fy_max":2021},"compare":{"entity":{"loans":33,"median":409000,"p25":248000,"p75":924800,"avg_rate":8.23,"median_term":120,"chargeoff_rate":null},"parents":[{"kind":"state","id":"IL","loans":1779,"median":650000,"p25":300000,"p75":1551000,"avg_rate":7.78,"median_term":120,"chargeoff_rate":0.0445},{"kind":"industry","id":"541211","loans":620,"median":495000,"p25":270000,"p75":933625,"avg_rate":7.69,"median_term":120,"chargeoff_rate":0.029}]},"concentration":{"by":"lender","top1":0.1818,"top3":0.4545,"n3plus":3,"distinct":17},"recent":{"loans":11,"median":409000,"prior_loans":14,"change":-0.2143},"size_mix":{"lt350k":0.3333,"350k_1m":0.4242,"1m_2m":0.1212,"gt2m":0.1212},"top_lenders":[{"key":"The Huntington National Bank","loans":6,"dollars":3638900,"name":"The Huntington National Bank","slug":"the-huntington-national-bank"},{"key":"Live Oak Banking Company","loans":5,"dollars":5950000,"name":"Live Oak Banking Company","slug":"live-oak-banking-company"},{"key":"INB, National Association","loans":4,"dollars":1319500,"name":"INB, National Association","slug":null},{"key":"BMO Bank National Association","loans":2,"dollars":1318400,"name":"BMO Bank National Association","slug":"bmo-bank-national-association"},{"key":"United Midwest Savings Bank National Association","loans":2,"dollars":1086000,"name":"United Midwest Savings Bank National Association","slug":"united-midwest-savings-bank-national-association"}],"top_franchises":[]},{"naics":"621310","name":"Offices of Chiropractors","slug":"offices-of-chiropractors-621310","loans":30,"dollars":12014800,"median":270000,"summary":{"loans":30,"dollars":12014800,"median":270000,"mean":400493,"p25":153675,"p75":483900,"avg_rate":7.63,"median_term":120,"guaranty_share":0.754,"jobs":115,"franchise_loans":0,"recent_loans":2},"by_fy":[{"fy":2018,"loans":4,"dollars":864200,"median":209500},{"fy":2019,"loans":3,"dollars":986200,"median":350000},{"fy":2020,"loans":4,"dollars":962100,"median":267050},{"fy":2021,"loans":4,"dollars":1468000,"median":321500},{"fy":2022,"loans":3,"dollars":3036000,"median":608000},{"fy":2023,"loans":1,"dollars":335000,"median":335000},{"fy":2024,"loans":9,"dollars":3519100,"median":166500},{"fy":2025,"loans":0,"dollars":0,"median":null},{"fy":2026,"loans":2,"dollars":844200,"median":422100}],"seasoned":{"loans":15,"charged_off":0,"paid_in_full":8,"chargeoff_rate":0,"chargeoff_dollar_rate":0,"fy_min":2018,"fy_max":2021},"compare":{"entity":{"loans":30,"median":270000,"p25":153675,"p75":483900,"avg_rate":7.63,"median_term":120,"chargeoff_rate":null},"parents":[{"kind":"state","id":"IL","loans":1779,"median":650000,"p25":300000,"p75":1551000,"avg_rate":7.78,"median_term":120,"chargeoff_rate":0.0445},{"kind":"industry","id":"621310","loans":569,"median":285500,"p25":155000,"p75":473500,"avg_rate":7.86,"median_term":120,"chargeoff_rate":0.0562}]},"concentration":{"by":"lender","top1":0.0667,"top3":0.2,"n3plus":0,"distinct":23},"recent":{"loans":2,"median":422100,"prior_loans":10,"change":-0.8},"size_mix":{"lt350k":0.6333,"350k_1m":0.3,"1m_2m":0.0333,"gt2m":0.0333},"top_lenders":[{"key":"St. Charles Bank & Trust Company, National Association","loans":2,"dollars":1208400,"name":"St. Charles Bank & Trust Company, National Association","slug":null},{"key":"Gulf Coast Bank and Trust Company","loans":2,"dollars":1095000,"name":"Gulf Coast Bank and Trust Company","slug":"gulf-coast-bank-and-trust-company"},{"key":"PNC Bank, National Association","loans":2,"dollars":844200,"name":"PNC Bank, National Association","slug":"pnc-bank-national-association"},{"key":"First Mid Bank & Trust, National Association","loans":2,"dollars":586200,"name":"First Mid Bank & Trust, National Association","slug":"first-mid-bank-and-trust-national-association"},{"key":"Busey Bank","loans":2,"dollars":557000,"name":"Busey Bank","slug":"busey-bank"}],"top_franchises":[]},{"naics":"238990","name":"All Other Specialty Trade Contractors","slug":"all-other-specialty-trade-contractors-238990","loans":29,"dollars":29670200,"median":750000,"summary":{"loans":29,"dollars":29670200,"median":750000,"mean":1023110,"p25":281000,"p75":1500000,"avg_rate":8.19,"median_term":120,"guaranty_share":0.732,"jobs":561,"franchise_loans":3,"recent_loans":9},"by_fy":[{"fy":2018,"loans":0,"dollars":0,"median":null},{"fy":2019,"loans":1,"dollars":750000,"median":750000},{"fy":2020,"loans":3,"dollars":1181000,"median":281000},{"fy":2021,"loans":2,"dollars":772300,"median":386150},{"fy":2022,"loans":4,"dollars":6338700,"median":1737500},{"fy":2023,"loans":5,"dollars":8673100,"median":1488100},{"fy":2024,"loans":5,"dollars":4948700,"median":500000},{"fy":2025,"loans":7,"dollars":6381400,"median":788400},{"fy":2026,"loans":2,"dollars":625000,"median":312500}],"seasoned":{"loans":6,"charged_off":0,"paid_in_full":4,"chargeoff_rate":0,"chargeoff_dollar_rate":0,"fy_min":2019,"fy_max":2021},"compare":{"entity":{"loans":29,"median":750000,"p25":281000,"p75":1500000,"avg_rate":8.19,"median_term":120,"chargeoff_rate":null},"parents":[{"kind":"state","id":"IL","loans":1779,"median":650000,"p25":300000,"p75":1551000,"avg_rate":7.78,"median_term":120,"chargeoff_rate":0.0445},{"kind":"industry","id":"238990","loans":884,"median":673500,"p25":301500,"p75":1696250,"avg_rate":8.19,"median_term":120,"chargeoff_rate":0.0421}]},"concentration":{"by":"lender","top1":0.1724,"top3":0.4138,"n3plus":2,"distinct":15},"recent":{"loans":9,"median":525000,"prior_loans":10,"change":-0.1},"size_mix":{"lt350k":0.2759,"350k_1m":0.3103,"1m_2m":0.2069,"gt2m":0.2069},"top_lenders":[{"key":"Live Oak Banking Company","loans":5,"dollars":5525000,"name":"Live Oak Banking Company","slug":"live-oak-banking-company"},{"key":"The Huntington National Bank","loans":5,"dollars":3402300,"name":"The Huntington National Bank","slug":"the-huntington-national-bank"},{"key":"CIBC Bank USA","loans":2,"dollars":2986700,"name":"CIBC Bank USA","slug":"cibc-bank-usa"},{"key":"Old National Bank","loans":2,"dollars":2931900,"name":"Old National Bank","slug":"old-national-bank"},{"key":"Beacon Bank and Trust","loans":2,"dollars":1785000,"name":"Beacon Bank and Trust","slug":"beacon-bank-and-trust"}],"top_franchises":[{"key":"S1555","loans":3,"dollars":3875000,"name":"Servpro","slug":"servpro"}]},{"naics":"621610","name":"Home Health Care Services","slug":"home-health-care-services-621610","loans":25,"dollars":22023900,"median":660000,"summary":{"loans":25,"dollars":22023900,"median":660000,"mean":880956,"p25":329900,"p75":1113500,"avg_rate":8,"median_term":120,"guaranty_share":0.793,"jobs":1365,"franchise_loans":13,"recent_loans":7},"by_fy":[{"fy":2018,"loans":2,"dollars":555900,"median":277950},{"fy":2019,"loans":1,"dollars":455000,"median":455000},{"fy":2020,"loans":4,"dollars":3915900,"median":727950},{"fy":2021,"loans":6,"dollars":7281900,"median":911250},{"fy":2022,"loans":0,"dollars":0,"median":null},{"fy":2023,"loans":2,"dollars":550000,"median":275000},{"fy":2024,"loans":3,"dollars":2810000,"median":660000},{"fy":2025,"loans":4,"dollars":3630200,"median":990100},{"fy":2026,"loans":3,"dollars":2825000,"median":165000}],"seasoned":{"loans":13,"charged_off":2,"paid_in_full":6,"chargeoff_rate":0.1538,"chargeoff_dollar_rate":0.0686,"fy_min":2018,"fy_max":2021},"compare":{"entity":{"loans":25,"median":660000,"p25":329900,"p75":1113500,"avg_rate":8,"median_term":120,"chargeoff_rate":null},"parents":[{"kind":"state","id":"IL","loans":1779,"median":650000,"p25":300000,"p75":1551000,"avg_rate":7.78,"median_term":120,"chargeoff_rate":0.0445},{"kind":"industry","id":"621610","loans":649,"median":700000,"p25":308000,"p75":1385000,"avg_rate":7.81,"median_term":120,"chargeoff_rate":0.0181}]},"concentration":{"by":"lender","top1":0.36,"top3":0.6,"n3plus":3,"distinct":13},"recent":{"loans":7,"median":938000,"prior_loans":5,"change":null},"size_mix":{"lt350k":0.32,"350k_1m":0.36,"1m_2m":0.12,"gt2m":0.2},"top_lenders":[{"key":"Live Oak Banking Company","loans":9,"dollars":5835000,"name":"Live Oak Banking Company","slug":"live-oak-banking-company"},{"key":"Byline Bank","loans":3,"dollars":5370000,"name":"Byline Bank","slug":"byline-bank"},{"key":"MVB Bank, Inc.","loans":3,"dollars":2318500,"name":"MVB Bank, Inc.","slug":"mvb-bank-inc"},{"key":"St. Louis Bank","loans":1,"dollars":2085000,"name":"St. Louis Bank","slug":"st-louis-bank"},{"key":"Busey Bank","loans":1,"dollars":2000000,"name":"Busey Bank","slug":"busey-bank"}],"top_franchises":[{"key":"S0253","loans":4,"dollars":4310000,"name":"BrightStar Care","slug":"brightstar-care"},{"key":"S1431","loans":3,"dollars":2277500,"name":"Right at Home","slug":"right-at-home"},{"key":"S1870","loans":3,"dollars":715000,"name":"Visiting Angels","slug":"visiting-angels"},{"key":"S0411","loans":1,"dollars":1042200,"name":"Comfort Keepers","slug":"comfort-keepers"},{"key":"S0097","loans":1,"dollars":496000,"name":"Always Best Care Services","slug":"always-best-care-services"}]},{"naics":"624410","name":"Child Care Services","slug":"child-care-services-624410","loans":25,"dollars":26728100,"median":630000,"summary":{"loans":25,"dollars":26728100,"median":630000,"mean":1069124,"p25":303500,"p75":1172800,"avg_rate":7.95,"median_term":239,"guaranty_share":0.72,"jobs":571,"franchise_loans":7,"recent_loans":8},"by_fy":[{"fy":2018,"loans":3,"dollars":1088700,"median":228000},{"fy":2019,"loans":3,"dollars":2327800,"median":480800},{"fy":2020,"loans":0,"dollars":0,"median":null},{"fy":2021,"loans":1,"dollars":135000,"median":135000},{"fy":2022,"loans":4,"dollars":11053000,"median":2815000},{"fy":2023,"loans":3,"dollars":1253800,"median":375000},{"fy":2024,"loans":3,"dollars":2426800,"median":1172800},{"fy":2025,"loans":3,"dollars":5060000,"median":2345000},{"fy":2026,"loans":5,"dollars":3383000,"median":662000}],"seasoned":{"loans":7,"charged_off":0,"paid_in_full":5,"chargeoff_rate":0,"chargeoff_dollar_rate":0,"fy_min":2018,"fy_max":2021},"compare":{"entity":{"loans":25,"median":630000,"p25":303500,"p75":1172800,"avg_rate":7.95,"median_term":239,"chargeoff_rate":null},"parents":[{"kind":"state","id":"IL","loans":1779,"median":650000,"p25":300000,"p75":1551000,"avg_rate":7.78,"median_term":120,"chargeoff_rate":0.0445},{"kind":"industry","id":"624410","loans":850,"median":763300,"p25":368750,"p75":1619500,"avg_rate":7.55,"median_term":120,"chargeoff_rate":0.0078}]},"concentration":{"by":"lender","top1":0.16,"top3":0.32,"n3plus":1,"distinct":19},"recent":{"loans":8,"median":771500,"prior_loans":6,"change":null},"size_mix":{"lt350k":0.32,"350k_1m":0.4,"1m_2m":0.12,"gt2m":0.16},"top_lenders":[{"key":"Live Oak Banking Company","loans":4,"dollars":13315000,"name":"Live Oak Banking Company","slug":"live-oak-banking-company"},{"key":"The Huntington National Bank","loans":2,"dollars":1254000,"name":"The Huntington National Bank","slug":"the-huntington-national-bank"},{"key":"Bank of Springfield","loans":2,"dollars":870000,"name":"Bank of Springfield","slug":"bank-of-springfield"},{"key":"First Mid Bank & Trust, National Association","loans":2,"dollars":608000,"name":"First Mid Bank & Trust, National Association","slug":"first-mid-bank-and-trust-national-association"},{"key":"Banesco USA","loans":1,"dollars":2390000,"name":"Banesco USA","slug":"banesco-usa"}],"top_franchises":[{"key":"S1753","loans":5,"dollars":5133500,"name":"The Goddard School","slug":"the-goddard-school"},{"key":"S1353","loans":2,"dollars":10000000,"name":"Primrose Schools","slug":"primrose-schools"}]},{"naics":"524210","name":"Insurance Agencies and Brokerages","slug":"insurance-agencies-and-brokerages-524210","loans":24,"dollars":23130500,"median":557500,"summary":{"loans":24,"dollars":23130500,"median":557500,"mean":963771,"p25":277000,"p75":1027750,"avg_rate":7.76,"median_term":120,"guaranty_share":0.774,"jobs":125,"franchise_loans":1,"recent_loans":5},"by_fy":[{"fy":2018,"loans":3,"dollars":2721900,"median":967200},{"fy":2019,"loans":2,"dollars":725000,"median":362500},{"fy":2020,"loans":4,"dollars":4969000,"median":309500},{"fy":2021,"loans":5,"dollars":4697000,"median":1013000},{"fy":2022,"loans":0,"dollars":0,"median":null},{"fy":2023,"loans":3,"dollars":1305000,"median":545000},{"fy":2024,"loans":2,"dollars":1181600,"median":590800},{"fy":2025,"loans":2,"dollars":2141000,"median":1070500},{"fy":2026,"loans":3,"dollars":5390000,"median":235000}],"seasoned":{"loans":14,"charged_off":0,"paid_in_full":10,"chargeoff_rate":0,"chargeoff_dollar_rate":0,"fy_min":2018,"fy_max":2021},"compare":{"entity":{"loans":24,"median":557500,"p25":277000,"p75":1027750,"avg_rate":7.76,"median_term":120,"chargeoff_rate":null},"parents":[{"kind":"state","id":"IL","loans":1779,"median":650000,"p25":300000,"p75":1551000,"avg_rate":7.78,"median_term":120,"chargeoff_rate":0.0445},{"kind":"industry","id":"524210","loans":832,"median":720000,"p25":350000,"p75":1323125,"avg_rate":7.55,"median_term":120,"chargeoff_rate":0.0309}]},"concentration":{"by":"lender","top1":0.2917,"top3":0.4583,"n3plus":1,"distinct":16},"recent":{"loans":5,"median":1039000,"prior_loans":5,"change":null},"size_mix":{"lt350k":0.375,"350k_1m":0.2917,"1m_2m":0.25,"gt2m":0.0833},"top_lenders":[{"key":"Live Oak Banking Company","loans":7,"dollars":4253000,"name":"Live Oak Banking Company","slug":"live-oak-banking-company"},{"key":"Bankwell Bank","loans":2,"dollars":5239000,"name":"Bankwell Bank","slug":"bankwell-bank"},{"key":"Renasant Bank","loans":2,"dollars":2424000,"name":"Renasant Bank","slug":"renasant-bank"},{"key":"Peoples National Bank National Association","loans":1,"dollars":5000000,"name":"Peoples National Bank National Association","slug":null},{"key":"The Huntington National Bank","loans":1,"dollars":1477700,"name":"The Huntington National Bank","slug":"the-huntington-national-bank"}],"top_franchises":[{"key":"S0734","loans":1,"dollars":155000,"name":"Goosehead Insurance","slug":"goosehead-insurance"}]},{"naics":"812210","name":"Funeral Homes and Funeral Services","slug":"funeral-homes-and-funeral-services-812210","loans":23,"dollars":45079300,"median":1830000,"summary":{"loans":23,"dollars":45079300,"median":1830000,"mean":1959970,"p25":825000,"p75":2620000,"avg_rate":7.81,"median_term":300,"guaranty_share":0.697,"jobs":145,"franchise_loans":0,"recent_loans":13},"by_fy":[{"fy":2018,"loans":4,"dollars":6755000,"median":778500},{"fy":2019,"loans":1,"dollars":2340000,"median":2340000},{"fy":2020,"loans":2,"dollars":6175000,"median":3087500},{"fy":2021,"loans":0,"dollars":0,"median":null},{"fy":2022,"loans":1,"dollars":1575000,"median":1575000},{"fy":2023,"loans":1,"dollars":1460000,"median":1460000},{"fy":2024,"loans":1,"dollars":2650000,"median":2650000},{"fy":2025,"loans":8,"dollars":14545800,"median":1944650},{"fy":2026,"loans":5,"dollars":9578500,"median":1530000}],"seasoned":{"loans":7,"charged_off":0,"paid_in_full":4,"chargeoff_rate":0,"chargeoff_dollar_rate":0,"fy_min":2018,"fy_max":2020},"compare":{"entity":{"loans":23,"median":1830000,"p25":825000,"p75":2620000,"avg_rate":7.81,"median_term":300,"chargeoff_rate":null},"parents":[{"kind":"state","id":"IL","loans":1779,"median":650000,"p25":300000,"p75":1551000,"avg_rate":7.78,"median_term":120,"chargeoff_rate":0.0445},{"kind":"industry","id":"812210","loans":351,"median":1390000,"p25":795000,"p75":2174000,"avg_rate":7.08,"median_term":300,"chargeoff_rate":0.006}]},"concentration":{"by":"lender","top1":0.6522,"top3":0.7826,"n3plus":1,"distinct":8},"recent":{"loans":13,"median":1830000,"prior_loans":2,"change":null},"size_mix":{"lt350k":0.0435,"350k_1m":0.2609,"1m_2m":0.2174,"gt2m":0.4783},"top_lenders":[{"key":"Live Oak Banking Company","loans":15,"dollars":34843000,"name":"Live Oak Banking Company","slug":"live-oak-banking-company"},{"key":"United Midwest Savings Bank National Association","loans":2,"dollars":3103500,"name":"United Midwest Savings Bank National Association","slug":"united-midwest-savings-bank-national-association"},{"key":"Byline Bank","loans":1,"dollars":2340000,"name":"Byline Bank","slug":"byline-bank"},{"key":"State Bank of the Lakes, National Association","loans":1,"dollars":2059300,"name":"State Bank of the Lakes, National Association","slug":null},{"key":"First Business Bank","loans":1,"dollars":1050000,"name":"First Business Bank","slug":"first-business-bank"}],"top_franchises":[]},{"naics":"445110","name":"Supermarkets and Other Grocery Retailers (except Convenience Retailers)","slug":"supermarkets-and-other-grocery-retailers-except-convenience-retailers-445110","loans":23,"dollars":32491400,"median":1000000,"summary":{"loans":23,"dollars":32491400,"median":1000000,"mean":1412670,"p25":308150,"p75":1847700,"avg_rate":7.21,"median_term":120,"guaranty_share":0.772,"jobs":512,"franchise_loans":0,"recent_loans":7},"by_fy":[{"fy":2018,"loans":0,"dollars":0,"median":null},{"fy":2019,"loans":1,"dollars":1000000,"median":1000000},{"fy":2020,"loans":3,"dollars":4265000,"median":1470000},{"fy":2021,"loans":4,"dollars":2170000,"median":347500},{"fy":2022,"loans":5,"dollars":7723000,"median":1492000},{"fy":2023,"loans":1,"dollars":785000,"median":785000},{"fy":2024,"loans":2,"dollars":5725700,"median":2862850},{"fy":2025,"loans":5,"dollars":7496700,"median":413000},{"fy":2026,"loans":2,"dollars":3326000,"median":1663000}],"seasoned":{"loans":8,"charged_off":0,"paid_in_full":4,"chargeoff_rate":0,"chargeoff_dollar_rate":0,"fy_min":2019,"fy_max":2021},"compare":{"entity":{"loans":23,"median":1000000,"p25":308150,"p75":1847700,"avg_rate":7.21,"median_term":120,"chargeoff_rate":null},"parents":[{"kind":"state","id":"IL","loans":1779,"median":650000,"p25":300000,"p75":1551000,"avg_rate":7.78,"median_term":120,"chargeoff_rate":0.0445},{"kind":"industry","id":"445110","loans":465,"median":634600,"p25":290300,"p75":1271900,"avg_rate":7.56,"median_term":120,"chargeoff_rate":0.0394}]},"concentration":{"by":"lender","top1":0.1739,"top3":0.3478,"n3plus":1,"distinct":17},"recent":{"loans":7,"median":413000,"prior_loans":3,"change":null},"size_mix":{"lt350k":0.2609,"350k_1m":0.2174,"1m_2m":0.3043,"gt2m":0.2174},"top_lenders":[{"key":"Byline Bank","loans":4,"dollars":9670000,"name":"Byline Bank","slug":"byline-bank"},{"key":"Bank of Belleville","loans":2,"dollars":2248700,"name":"Bank of Belleville","slug":null},{"key":"Bank of Springfield","loans":2,"dollars":658000,"name":"Bank of Springfield","slug":"bank-of-springfield"},{"key":"The Huntington National Bank","loans":2,"dollars":360000,"name":"The Huntington National Bank","slug":"the-huntington-national-bank"},{"key":"First Merchants Bank","loans":1,"dollars":4280000,"name":"First Merchants Bank","slug":"first-merchants-bank"}],"top_franchises":[]},{"naics":"722410","name":"Drinking Places (Alcoholic Beverages)","slug":"drinking-places-alcoholic-beverages-722410","loans":23,"dollars":14609400,"median":352500,"summary":{"loans":23,"dollars":14609400,"median":352500,"mean":635191,"p25":167150,"p75":936500,"avg_rate":8.09,"median_term":120,"guaranty_share":0.746,"jobs":432,"franchise_loans":0,"recent_loans":3},"by_fy":[{"fy":2018,"loans":3,"dollars":1685000,"median":323000},{"fy":2019,"loans":3,"dollars":994700,"median":104000},{"fy":2020,"loans":2,"dollars":872000,"median":436000},{"fy":2021,"loans":3,"dollars":1312300,"median":159300},{"fy":2022,"loans":1,"dollars":350000,"median":350000},{"fy":2023,"loans":3,"dollars":1553800,"median":188800},{"fy":2024,"loans":5,"dollars":1887500,"median":352500},{"fy":2025,"loans":1,"dollars":1622300,"median":1622300},{"fy":2026,"loans":2,"dollars":4331800,"median":2165900}],"seasoned":{"loans":11,"charged_off":0,"paid_in_full":6,"chargeoff_rate":0,"chargeoff_dollar_rate":0,"fy_min":2018,"fy_max":2021},"compare":{"entity":{"loans":23,"median":352500,"p25":167150,"p75":936500,"avg_rate":8.09,"median_term":120,"chargeoff_rate":null},"parents":[{"kind":"state","id":"IL","loans":1779,"median":650000,"p25":300000,"p75":1551000,"avg_rate":7.78,"median_term":120,"chargeoff_rate":0.0445},{"kind":"industry","id":"722410","loans":338,"median":325000,"p25":164600,"p75":707550,"avg_rate":7.92,"median_term":120,"chargeoff_rate":0.0214}]},"concentration":{"by":"lender","top1":0.2174,"top3":0.3913,"n3plus":1,"distinct":17},"recent":{"loans":3,"median":1681800,"prior_loans":8,"change":null},"size_mix":{"lt350k":0.4348,"350k_1m":0.3043,"1m_2m":0.2174,"gt2m":0.0435},"top_lenders":[{"key":"The Huntington National Bank","loans":5,"dollars":2268500,"name":"The Huntington National Bank","slug":"the-huntington-national-bank"},{"key":"Byline Bank","loans":2,"dollars":3300000,"name":"Byline Bank","slug":"byline-bank"},{"key":"Wheaton Bank & Trust Company, National Association","loans":2,"dollars":1540000,"name":"Wheaton Bank & Trust Company, National Association","slug":null},{"key":"T Bank, National Association","loans":1,"dollars":1681800,"name":"T Bank, National Association","slug":"t-bank-national-association"},{"key":"OceanFirst Bank, National Association","loans":1,"dollars":1622300,"name":"OceanFirst Bank, National Association","slug":null}],"top_franchises":[]},{"naics":"812320","name":"Drycleaning and Laundry Services (except Coin-Operated)","slug":"drycleaning-and-laundry-services-except-coin-operated-812320","loans":21,"dollars":8908400,"median":312400,"summary":{"loans":21,"dollars":8908400,"median":312400,"mean":424210,"p25":108000,"p75":458500,"avg_rate":8.92,"median_term":120,"guaranty_share":0.743,"jobs":169,"franchise_loans":4,"recent_loans":10},"by_fy":[{"fy":2018,"loans":3,"dollars":2233500,"median":284000},{"fy":2019,"loans":4,"dollars":1204000,"median":252000},{"fy":2020,"loans":1,"dollars":535000,"median":535000},{"fy":2021,"loans":0,"dollars":0,"median":null},{"fy":2022,"loans":0,"dollars":0,"median":null},{"fy":2023,"loans":1,"dollars":1062900,"median":1062900},{"fy":2024,"loans":2,"dollars":753000,"median":376500},{"fy":2025,"loans":8,"dollars":2777600,"median":289000},{"fy":2026,"loans":2,"dollars":342400,"median":171200}],"seasoned":{"loans":8,"charged_off":1,"paid_in_full":3,"chargeoff_rate":0.125,"chargeoff_dollar_rate":0.012,"fy_min":2018,"fy_max":2020},"compare":{"entity":{"loans":21,"median":312400,"p25":108000,"p75":458500,"avg_rate":8.92,"median_term":120,"chargeoff_rate":null},"parents":[{"kind":"state","id":"IL","loans":1779,"median":650000,"p25":300000,"p75":1551000,"avg_rate":7.78,"median_term":120,"chargeoff_rate":0.0445},{"kind":"industry","id":"812320","loans":368,"median":374000,"p25":239000,"p75":660175,"avg_rate":8.19,"median_term":120,"chargeoff_rate":0.0829}]},"concentration":{"by":"lender","top1":0.2857,"top3":0.5714,"n3plus":2,"distinct":11},"recent":{"loans":10,"median":289000,"prior_loans":3,"change":null},"size_mix":{"lt350k":0.5714,"350k_1m":0.2857,"1m_2m":0.1429,"gt2m":0},"top_lenders":[{"key":"The Huntington National Bank","loans":6,"dollars":1077400,"name":"The Huntington National Bank","slug":"the-huntington-national-bank"},{"key":"Merchants Bank of Indiana","loans":4,"dollars":2274400,"name":"Merchants Bank of Indiana","slug":"merchants-bank-of-indiana"},{"key":"Byline Bank","loans":2,"dollars":913000,"name":"Byline Bank","slug":"byline-bank"},{"key":"Bank of Hope","loans":2,"dollars":185000,"name":"Bank of Hope","slug":"bank-of-hope"},{"key":"First Internet Bank of Indiana","loans":1,"dollars":1849500,"name":"First Internet Bank of Indiana","slug":"first-internet-bank-of-indiana"}],"top_franchises":[]},{"naics":"561730","name":"Landscaping Services","slug":"landscaping-services-561730","loans":20,"dollars":11386900,"median":339000,"summary":{"loans":20,"dollars":11386900,"median":339000,"mean":569345,"p25":169125,"p75":717500,"avg_rate":7.01,"median_term":120,"guaranty_share":0.732,"jobs":240,"franchise_loans":0,"recent_loans":12},"by_fy":[{"fy":2018,"loans":3,"dollars":1437200,"median":218200},{"fy":2019,"loans":0,"dollars":0,"median":null},{"fy":2020,"loans":1,"dollars":523000,"median":523000},{"fy":2021,"loans":2,"dollars":373500,"median":186750},{"fy":2022,"loans":2,"dollars":1690000,"median":845000},{"fy":2023,"loans":0,"dollars":0,"median":null},{"fy":2024,"loans":0,"dollars":0,"median":null},{"fy":2025,"loans":3,"dollars":2694900,"median":378000},{"fy":2026,"loans":9,"dollars":4668300,"median":300000}],"seasoned":{"loans":6,"charged_off":0,"paid_in_full":4,"chargeoff_rate":0,"chargeoff_dollar_rate":0,"fy_min":2018,"fy_max":2021},"compare":{"entity":{"loans":20,"median":339000,"p25":169125,"p75":717500,"avg_rate":7.01,"median_term":120,"chargeoff_rate":null},"parents":[{"kind":"state","id":"IL","loans":1779,"median":650000,"p25":300000,"p75":1551000,"avg_rate":7.78,"median_term":120,"chargeoff_rate":0.0445},{"kind":"industry","id":"561730","loans":790,"median":535750,"p25":222000,"p75":1193000,"avg_rate":8.06,"median_term":120,"chargeoff_rate":0.0548}]},"concentration":{"by":"lender","top1":0.2,"top3":0.45,"n3plus":2,"distinct":11},"recent":{"loans":12,"median":339000,"prior_loans":0,"change":null},"size_mix":{"lt350k":0.5,"350k_1m":0.25,"1m_2m":0.2,"gt2m":0.05},"top_lenders":[{"key":"Bank of Springfield","loans":4,"dollars":758500,"name":"Bank of Springfield","slug":"bank-of-springfield"},{"key":"Byline Bank","loans":3,"dollars":2910000,"name":"Byline Bank","slug":"byline-bank"},{"key":"Old National Bank","loans":2,"dollars":2316900,"name":"Old National Bank","slug":"old-national-bank"},{"key":"Libertyville Bank & Trust Company, National Association","loans":2,"dollars":2146800,"name":"Libertyville Bank & Trust Company, National Association","slug":null},{"key":"The Huntington National Bank","loans":2,"dollars":543000,"name":"The Huntington National Bank","slug":"the-huntington-national-bank"}],"top_franchises":[]},{"naics":"621210","name":"Offices of Dentists","slug":"offices-of-dentists-621210","loans":19,"dollars":11537700,"median":573000,"summary":{"loans":19,"dollars":11537700,"median":573000,"mean":607247,"p25":368500,"p75":948850,"avg_rate":6.66,"median_term":120,"guaranty_share":0.797,"jobs":141,"franchise_loans":0,"recent_loans":0},"by_fy":[{"fy":2018,"loans":2,"dollars":737000,"median":368500},{"fy":2019,"loans":1,"dollars":1026000,"median":1026000},{"fy":2020,"loans":5,"dollars":2594900,"median":552500},{"fy":2021,"loans":5,"dollars":3884800,"median":700000},{"fy":2022,"loans":1,"dollars":932000,"median":932000},{"fy":2023,"loans":0,"dollars":0,"median":null},{"fy":2024,"loans":5,"dollars":2363000,"median":500000},{"fy":2025,"loans":0,"dollars":0,"median":null},{"fy":2026,"loans":0,"dollars":0,"median":null}],"seasoned":{"loans":13,"charged_off":0,"paid_in_full":12,"chargeoff_rate":0,"chargeoff_dollar_rate":0,"fy_min":2018,"fy_max":2021},"compare":{"entity":{"loans":19,"median":573000,"p25":368500,"p75":948850,"avg_rate":6.66,"median_term":120,"chargeoff_rate":null},"parents":[{"kind":"state","id":"IL","loans":1779,"median":650000,"p25":300000,"p75":1551000,"avg_rate":7.78,"median_term":120,"chargeoff_rate":0.0445},{"kind":"industry","id":"621210","loans":481,"median":760000,"p25":415400,"p75":1285000,"avg_rate":7.06,"median_term":120,"chargeoff_rate":0.0038}]},"concentration":{"by":"lender","top1":0.5263,"top3":0.6842,"n3plus":1,"distinct":9},"recent":{"loans":0,"median":null,"prior_loans":5,"change":null},"size_mix":{"lt350k":0.2632,"350k_1m":0.5789,"1m_2m":0.1579,"gt2m":0},"top_lenders":[{"key":"The Huntington National Bank","loans":10,"dollars":7183200,"name":"The Huntington National Bank","slug":"the-huntington-national-bank"},{"key":"Hinsdale Bank & Trust Company, National Association","loans":2,"dollars":769000,"name":"Hinsdale Bank & Trust Company, National Association","slug":null},{"key":"Midland States Bank","loans":1,"dollars":1026000,"name":"Midland States Bank","slug":"midland-states-bank"},{"key":"First National Bank of Omaha","loans":1,"dollars":700000,"name":"First National Bank of Omaha","slug":"first-national-bank-of-omaha"},{"key":"Bank of Springfield","loans":1,"dollars":552500,"name":"Bank of Springfield","slug":"bank-of-springfield"}],"top_franchises":[]},{"naics":"812310","name":"Coin-Operated Laundries and Drycleaners","slug":"coin-operated-laundries-and-drycleaners-812310","loans":18,"dollars":9441800,"median":391500,"summary":{"loans":18,"dollars":9441800,"median":391500,"mean":524544,"p25":237000,"p75":691250,"avg_rate":8.18,"median_term":120,"guaranty_share":0.734,"jobs":97,"franchise_loans":0,"recent_loans":8},"by_fy":[{"fy":2018,"loans":2,"dollars":1572000,"median":786000},{"fy":2019,"loans":2,"dollars":479500,"median":239750},{"fy":2020,"loans":2,"dollars":386000,"median":193000},{"fy":2021,"loans":0,"dollars":0,"median":null},{"fy":2022,"loans":1,"dollars":895000,"median":895000},{"fy":2023,"loans":1,"dollars":480000,"median":480000},{"fy":2024,"loans":2,"dollars":448000,"median":224000},{"fy":2025,"loans":4,"dollars":1455000,"median":353000},{"fy":2026,"loans":4,"dollars":3726300,"median":1073000}],"seasoned":{"loans":6,"charged_off":0,"paid_in_full":3,"chargeoff_rate":0,"chargeoff_dollar_rate":0,"fy_min":2018,"fy_max":2020},"compare":{"entity":{"loans":18,"median":391500,"p25":237000,"p75":691250,"avg_rate":8.18,"median_term":120,"chargeoff_rate":null},"parents":[{"kind":"state","id":"IL","loans":1779,"median":650000,"p25":300000,"p75":1551000,"avg_rate":7.78,"median_term":120,"chargeoff_rate":0.0445},{"kind":"industry","id":"812310","loans":317,"median":509000,"p25":250000,"p75":1035000,"avg_rate":7.58,"median_term":120,"chargeoff_rate":0.0426}]},"concentration":{"by":"lender","top1":0.1111,"top3":0.3333,"n3plus":0,"distinct":14},"recent":{"loans":8,"median":445500,"prior_loans":3,"change":null},"size_mix":{"lt350k":0.4444,"350k_1m":0.3889,"1m_2m":0.1667,"gt2m":0},"top_lenders":[{"key":"Hinsdale Bank & Trust Company, National Association","loans":2,"dollars":1580300,"name":"Hinsdale Bank & Trust Company, National Association","slug":null},{"key":"PCB Bank","loans":2,"dollars":1572000,"name":"PCB Bank","slug":"pcb-bank"},{"key":"Midwest Regional Bank","loans":2,"dollars":706000,"name":"Midwest Regional Bank","slug":"midwest-regional-bank"},{"key":"The Huntington National Bank","loans":2,"dollars":448000,"name":"The Huntington National Bank","slug":"the-huntington-national-bank"},{"key":"Banc of California","loans":1,"dollars":1391000,"name":"Banc of California","slug":"banc-of-california"}],"top_franchises":[]}],"rank":7,"share_of_national":0.0364}}