{"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/mo","type":"state","name":"Missouri","as_of":"2026-09-30","fy_min":2018,"fy_max":2026,"license":"https://www.usa.gov/government-works","data":{"code":"MO","name":"Missouri","slug":"mo","summary":{"loans":1098,"dollars":1050041500,"median":580000,"mean":956322,"p25":270000,"p75":1258750,"avg_rate":7.77,"median_term":120,"guaranty_share":0.761,"jobs":13797,"franchise_loans":157,"recent_loans":282},"by_fy":[{"fy":2018,"loans":86,"dollars":77467900,"median":434000},{"fy":2019,"loans":135,"dollars":124556400,"median":518500},{"fy":2020,"loans":106,"dollars":95082800,"median":500000},{"fy":2021,"loans":150,"dollars":129347700,"median":583000},{"fy":2022,"loans":117,"dollars":122726000,"median":712800},{"fy":2023,"loans":95,"dollars":77039500,"median":500000},{"fy":2024,"loans":127,"dollars":99767000,"median":500000},{"fy":2025,"loans":164,"dollars":185805000,"median":624000},{"fy":2026,"loans":118,"dollars":138249200,"median":795350}],"seasoned":{"loans":477,"charged_off":14,"paid_in_full":243,"chargeoff_rate":0.0294,"chargeoff_dollar_rate":0.0193,"fy_min":2018,"fy_max":2021},"compare":{"entity":{"loans":1098,"median":580000,"p25":270000,"p75":1258750,"avg_rate":7.77,"median_term":120,"chargeoff_rate":0.0294},"parents":[]},"concentration":{"by":"lender","top1":0.1011,"top3":0.1995,"n3plus":73,"distinct":181},"recent":{"loans":282,"median":672500,"prior_loans":222,"change":0.2703},"size_mix":{"lt350k":0.3333,"350k_1m":0.3488,"1m_2m":0.1803,"gt2m":0.1375},"top_industries":[{"key":"722511","loans":64,"dollars":31549000,"name":"Full-Service Restaurants","slug":"full-service-restaurants-722511"},{"key":"721110","loans":47,"dollars":95010200,"name":"Hotels (except Casino Hotels) and Motels","slug":"hotels-except-casino-hotels-and-motels-721110"},{"key":"722513","loans":34,"dollars":18450100,"name":"Limited-Service Restaurants","slug":"limited-service-restaurants-722513"},{"key":"238220","loans":33,"dollars":29963000,"name":"Plumbing, Heating, and Air-Conditioning Contractors","slug":"plumbing-heating-and-air-conditioning-contractors-238220"},{"key":"811111","loans":33,"dollars":24126200,"name":"General Automotive Repair","slug":"general-automotive-repair-811111"},{"key":"238990","loans":19,"dollars":18443100,"name":"All Other Specialty Trade Contractors","slug":"all-other-specialty-trade-contractors-238990"},{"key":"811192","loans":15,"dollars":16094500,"name":"Car Washes","slug":"car-washes-811192"},{"key":"624410","loans":15,"dollars":8670500,"name":"Child Care Services","slug":"child-care-services-624410"},{"key":"713940","loans":15,"dollars":3441600,"name":"Fitness and Recreational Sports Centers","slug":"fitness-and-recreational-sports-centers-713940"},{"key":"531130","loans":14,"dollars":17258100,"name":"Lessors of Miniwarehouses and Self-Storage Units","slug":"lessors-of-miniwarehouses-and-self-storage-units-531130"},{"key":"561730","loans":14,"dollars":9369100,"name":"Landscaping Services","slug":"landscaping-services-561730"},{"key":"457110","loans":12,"dollars":21742400,"name":"Gasoline Stations with Convenience Stores","slug":"gasoline-stations-with-convenience-stores-457110"},{"key":"524210","loans":12,"dollars":4199400,"name":"Insurance Agencies and Brokerages","slug":"insurance-agencies-and-brokerages-524210"},{"key":"621310","loans":12,"dollars":2912100,"name":"Offices of Chiropractors","slug":"offices-of-chiropractors-621310"},{"key":"812210","loans":11,"dollars":19351800,"name":"Funeral Homes and Funeral Services","slug":"funeral-homes-and-funeral-services-812210"},{"key":"812990","loans":11,"dollars":8724800,"name":"All Other Personal Services","slug":"all-other-personal-services-812990"},{"key":"561720","loans":11,"dollars":4325000,"name":"Janitorial Services","slug":"janitorial-services-561720"},{"key":"492110","loans":10,"dollars":7571000,"name":"Couriers and Express Delivery Services","slug":"couriers-and-express-delivery-services-492110"},{"key":"458110","loans":10,"dollars":4246000,"name":"Clothing and Clothing Accessories Retailers","slug":"clothing-and-clothing-accessories-retailers-458110"},{"key":"459999","loans":9,"dollars":10969100,"name":"All Other Miscellaneous Retailers","slug":"all-other-miscellaneous-retailers-459999"}],"top_lenders":[{"key":"OakStar Bank","loans":111,"dollars":105924200,"name":"OakStar Bank","slug":"oakstar-bank"},{"key":"Midwest Regional Bank","loans":59,"dollars":59956000,"name":"Midwest Regional Bank","slug":"midwest-regional-bank"},{"key":"Live Oak Banking Company","loans":49,"dollars":70535000,"name":"Live Oak Banking Company","slug":"live-oak-banking-company"},{"key":"American Bank of Freedom","loans":48,"dollars":50500400,"name":"American Bank of Freedom","slug":"american-bank-of-freedom"},{"key":"The Bank of Houston","loans":42,"dollars":44615000,"name":"The Bank of Houston","slug":"the-bank-of-houston"},{"key":"Guaranty Bank","loans":42,"dollars":24355500,"name":"Guaranty Bank","slug":"guaranty-bank"},{"key":"St. Louis Bank","loans":36,"dollars":49319000,"name":"St. Louis Bank","slug":"st-louis-bank"},{"key":"Regent Bank","loans":34,"dollars":26152100,"name":"Regent Bank","slug":"regent-bank"},{"key":"Simmons Bank","loans":30,"dollars":25649100,"name":"Simmons Bank","slug":"simmons-bank"},{"key":"OMB Bank","loans":30,"dollars":16578800,"name":"OMB Bank","slug":"omb-bank"},{"key":"The Huntington National Bank","loans":27,"dollars":26578300,"name":"The Huntington National Bank","slug":"the-huntington-national-bank"},{"key":"Southern Bank","loans":24,"dollars":16977600,"name":"Southern Bank","slug":"southern-bank"},{"key":"The Central Trust Bank","loans":23,"dollars":12693400,"name":"The Central Trust Bank","slug":null},{"key":"Busey Bank","loans":21,"dollars":22247100,"name":"Busey Bank","slug":"busey-bank"},{"key":"UMB Bank, National Association","loans":18,"dollars":8295900,"name":"UMB Bank, National Association","slug":"umb-bank-national-association"}],"top_franchises":[{"key":"S1788","loans":8,"dollars":3573900,"name":"The UPS Store","slug":"the-ups-store"},{"key":"S0488","loans":6,"dollars":12894500,"name":"Days Inn","slug":"days-inn"},{"key":"S1645","loans":6,"dollars":8467900,"name":"Super 8","slug":"super-8"},{"key":"S3305","loans":4,"dollars":2588300,"name":"Imo's Pizza","slug":"imos-pizza"},{"key":"S0122","loans":4,"dollars":1157400,"name":"Anytime Fitness","slug":"anytime-fitness"},{"key":"S2125","loans":3,"dollars":9827000,"name":"Best Western","slug":"best-western"},{"key":"S1414","loans":3,"dollars":6895300,"name":"Red Roof Inn","slug":"red-roof-inn"},{"key":"S2299","loans":3,"dollars":5170000,"name":"True Value","slug":"true-value"},{"key":"S0906","loans":3,"dollars":4480000,"name":"Jimmy John's","slug":"jimmy-johns"},{"key":"S0639","loans":3,"dollars":2227000,"name":"Firehouse Subs","slug":"firehouse-subs"},{"key":"S1658","loans":3,"dollars":1452500,"name":"Sylvan Learning Centers","slug":"sylvan-learning-centers"},{"key":"S1639","loans":3,"dollars":913000,"name":"Subway","slug":"subway"},{"key":"S0901","loans":3,"dollars":647900,"name":"Jersey Mike's Subs","slug":"jersey-mikes-subs"},{"key":"S4995","loans":2,"dollars":7606000,"name":"Nissan North America","slug":"nissan-north-america"},{"key":"S7770","loans":2,"dollars":5896000,"name":"Spark by Hilton","slug":"spark-by-hilton"}],"industries":[{"naics":"722511","name":"Full-Service Restaurants","slug":"full-service-restaurants-722511","loans":64,"dollars":31549000,"median":348900,"summary":{"loans":64,"dollars":31549000,"median":348900,"mean":492953,"p25":218750,"p75":617500,"avg_rate":8.22,"median_term":120,"guaranty_share":0.776,"jobs":1426,"franchise_loans":7,"recent_loans":11},"by_fy":[{"fy":2018,"loans":6,"dollars":2090000,"median":247000},{"fy":2019,"loans":8,"dollars":2965600,"median":385000},{"fy":2020,"loans":5,"dollars":2133400,"median":327000},{"fy":2021,"loans":8,"dollars":6078200,"median":795750},{"fy":2022,"loans":5,"dollars":1213100,"median":276300},{"fy":2023,"loans":8,"dollars":4012200,"median":479100},{"fy":2024,"loans":13,"dollars":5475500,"median":365000},{"fy":2025,"loans":7,"dollars":5256700,"median":230000},{"fy":2026,"loans":4,"dollars":2324300,"median":467250}],"seasoned":{"loans":27,"charged_off":2,"paid_in_full":8,"chargeoff_rate":0.0741,"chargeoff_dollar_rate":0.0488,"fy_min":2018,"fy_max":2021},"compare":{"entity":{"loans":64,"median":348900,"p25":218750,"p75":617500,"avg_rate":8.22,"median_term":120,"chargeoff_rate":0.0741},"parents":[{"kind":"state","id":"MO","loans":1098,"median":580000,"p25":270000,"p75":1258750,"avg_rate":7.77,"median_term":120,"chargeoff_rate":0.0294},{"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":0.1094,"top3":0.2812,"n3plus":5,"distinct":34},"recent":{"loans":11,"median":277100,"prior_loans":21,"change":-0.4762},"size_mix":{"lt350k":0.5,"350k_1m":0.375,"1m_2m":0.1094,"gt2m":0.0156},"top_lenders":[{"key":"OakStar Bank","loans":7,"dollars":2338000,"name":"OakStar Bank","slug":"oakstar-bank"},{"key":"Midwest Regional Bank","loans":6,"dollars":2253000,"name":"Midwest Regional Bank","slug":"midwest-regional-bank"},{"key":"American Bank of Freedom","loans":5,"dollars":2854800,"name":"American Bank of Freedom","slug":"american-bank-of-freedom"},{"key":"The Bank of Houston","loans":4,"dollars":2555000,"name":"The Bank of Houston","slug":"the-bank-of-houston"},{"key":"Southern Bank","loans":3,"dollars":2612500,"name":"Southern Bank","slug":"southern-bank"}],"top_franchises":[{"key":"S0639","loans":2,"dollars":1077000,"name":"Firehouse Subs","slug":"firehouse-subs"},{"key":"S0906","loans":1,"dollars":1630000,"name":"Jimmy John's","slug":"jimmy-johns"},{"key":"S1986","loans":1,"dollars":643200,"name":"Zaxby's","slug":"zaxbys"},{"key":"S3305","loans":1,"dollars":350000,"name":"Imo's Pizza","slug":"imos-pizza"}]},{"naics":"721110","name":"Hotels (except Casino Hotels) and Motels","slug":"hotels-except-casino-hotels-and-motels-721110","loans":47,"dollars":95010200,"median":1891000,"summary":{"loans":47,"dollars":95010200,"median":1891000,"mean":2021494,"p25":1227000,"p75":2911000,"avg_rate":7.04,"median_term":300,"guaranty_share":0.741,"jobs":460,"franchise_loans":29,"recent_loans":11},"by_fy":[{"fy":2018,"loans":7,"dollars":16820300,"median":1945300},{"fy":2019,"loans":6,"dollars":14792900,"median":2312500},{"fy":2020,"loans":2,"dollars":5515000,"median":2757500},{"fy":2021,"loans":6,"dollars":7388000,"median":837500},{"fy":2022,"loans":8,"dollars":12711500,"median":1501250},{"fy":2023,"loans":5,"dollars":6797500,"median":1359000},{"fy":2024,"loans":2,"dollars":2397000,"median":1198500},{"fy":2025,"loans":8,"dollars":22671000,"median":2311000},{"fy":2026,"loans":3,"dollars":5917000,"median":1905000}],"seasoned":{"loans":21,"charged_off":0,"paid_in_full":15,"chargeoff_rate":0,"chargeoff_dollar_rate":0,"fy_min":2018,"fy_max":2021},"compare":{"entity":{"loans":47,"median":1891000,"p25":1227000,"p75":2911000,"avg_rate":7.04,"median_term":300,"chargeoff_rate":0},"parents":[{"kind":"state","id":"MO","loans":1098,"median":580000,"p25":270000,"p75":1258750,"avg_rate":7.77,"median_term":120,"chargeoff_rate":0.0294},{"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":0.234,"top3":0.4894,"n3plus":3,"distinct":27},"recent":{"loans":11,"median":2050000,"prior_loans":7,"change":null},"size_mix":{"lt350k":0.0213,"350k_1m":0.1915,"1m_2m":0.3617,"gt2m":0.4255},"top_lenders":[{"key":"GBank","loans":11,"dollars":26602500,"name":"GBank","slug":"gbank"},{"key":"OakStar Bank","loans":9,"dollars":18325000,"name":"OakStar Bank","slug":"oakstar-bank"},{"key":"Simmons Bank","loans":3,"dollars":3536200,"name":"Simmons Bank","slug":"simmons-bank"},{"key":"Harvest Small Business Finance, LLC","loans":1,"dollars":4880000,"name":"Harvest Small Business Finance, LLC","slug":"harvest-small-business-finance-llc"},{"key":"Shoreham Bank","loans":1,"dollars":4700000,"name":"Shoreham Bank","slug":"shoreham-bank"}],"top_franchises":[{"key":"S0488","loans":6,"dollars":12894500,"name":"Days Inn","slug":"days-inn"},{"key":"S1645","loans":6,"dollars":8467900,"name":"Super 8","slug":"super-8"},{"key":"S2125","loans":3,"dollars":9827000,"name":"Best Western","slug":"best-western"},{"key":"S1414","loans":3,"dollars":6895300,"name":"Red Roof Inn","slug":"red-roof-inn"},{"key":"S7770","loans":2,"dollars":5896000,"name":"Spark by Hilton","slug":"spark-by-hilton"}]},{"naics":"722513","name":"Limited-Service Restaurants","slug":"limited-service-restaurants-722513","loans":34,"dollars":18450100,"median":326000,"summary":{"loans":34,"dollars":18450100,"median":326000,"mean":542650,"p25":228450,"p75":716750,"avg_rate":7.49,"median_term":120,"guaranty_share":0.773,"jobs":825,"franchise_loans":24,"recent_loans":5},"by_fy":[{"fy":2018,"loans":3,"dollars":2227300,"median":318000},{"fy":2019,"loans":4,"dollars":2475200,"median":508000},{"fy":2020,"loans":5,"dollars":2210500,"median":334000},{"fy":2021,"loans":7,"dollars":4744700,"median":346900},{"fy":2022,"loans":2,"dollars":392000,"median":196000},{"fy":2023,"loans":4,"dollars":990400,"median":221150},{"fy":2024,"loans":4,"dollars":1930000,"median":504700},{"fy":2025,"loans":2,"dollars":2010000,"median":1005000},{"fy":2026,"loans":3,"dollars":1470000,"median":225000}],"seasoned":{"loans":19,"charged_off":0,"paid_in_full":9,"chargeoff_rate":0,"chargeoff_dollar_rate":0,"fy_min":2018,"fy_max":2021},"compare":{"entity":{"loans":34,"median":326000,"p25":228450,"p75":716750,"avg_rate":7.49,"median_term":120,"chargeoff_rate":null},"parents":[{"kind":"state","id":"MO","loans":1098,"median":580000,"p25":270000,"p75":1258750,"avg_rate":7.77,"median_term":120,"chargeoff_rate":0.0294},{"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":0.1176,"top3":0.3235,"n3plus":3,"distinct":22},"recent":{"loans":5,"median":860000,"prior_loans":8,"change":null},"size_mix":{"lt350k":0.5882,"350k_1m":0.2353,"1m_2m":0.1471,"gt2m":0.0294},"top_lenders":[{"key":"Midwest Regional Bank","loans":4,"dollars":2409000,"name":"Midwest Regional Bank","slug":"midwest-regional-bank"},{"key":"The Central Trust Bank","loans":4,"dollars":936400,"name":"The Central Trust Bank","slug":null},{"key":"Guaranty Bank","loans":3,"dollars":745200,"name":"Guaranty Bank","slug":"guaranty-bank"},{"key":"American Bank of Freedom","loans":2,"dollars":1551000,"name":"American Bank of Freedom","slug":"american-bank-of-freedom"},{"key":"Commerce Bank","loans":2,"dollars":1069700,"name":"Commerce Bank","slug":null}],"top_franchises":[{"key":"S3305","loans":3,"dollars":2238300,"name":"Imo's Pizza","slug":"imos-pizza"},{"key":"S1639","loans":3,"dollars":913000,"name":"Subway","slug":"subway"},{"key":"S0901","loans":3,"dollars":647900,"name":"Jersey Mike's Subs","slug":"jersey-mikes-subs"},{"key":"S0906","loans":2,"dollars":2850000,"name":"Jimmy John's","slug":"jimmy-johns"},{"key":"S0480","loans":2,"dollars":1580000,"name":"Dairy Queen","slug":"dairy-queen"}]},{"naics":"811111","name":"General Automotive Repair","slug":"general-automotive-repair-811111","loans":33,"dollars":24126200,"median":553000,"summary":{"loans":33,"dollars":24126200,"median":553000,"mean":731097,"p25":279000,"p75":968000,"avg_rate":8.24,"median_term":180,"guaranty_share":0.772,"jobs":281,"franchise_loans":2,"recent_loans":5},"by_fy":[{"fy":2018,"loans":3,"dollars":1651000,"median":558000},{"fy":2019,"loans":6,"dollars":3224000,"median":510000},{"fy":2020,"loans":2,"dollars":547500,"median":273750},{"fy":2021,"loans":6,"dollars":4524200,"median":529250},{"fy":2022,"loans":1,"dollars":120000,"median":120000},{"fy":2023,"loans":4,"dollars":2490800,"median":484750},{"fy":2024,"loans":6,"dollars":5782500,"median":483250},{"fy":2025,"loans":2,"dollars":1991200,"median":995600},{"fy":2026,"loans":3,"dollars":3795000,"median":1050000}],"seasoned":{"loans":17,"charged_off":0,"paid_in_full":9,"chargeoff_rate":0,"chargeoff_dollar_rate":0,"fy_min":2018,"fy_max":2021},"compare":{"entity":{"loans":33,"median":553000,"p25":279000,"p75":968000,"avg_rate":8.24,"median_term":180,"chargeoff_rate":null},"parents":[{"kind":"state","id":"MO","loans":1098,"median":580000,"p25":270000,"p75":1258750,"avg_rate":7.77,"median_term":120,"chargeoff_rate":0.0294},{"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":0.1515,"top3":0.3333,"n3plus":4,"distinct":19},"recent":{"loans":5,"median":1050000,"prior_loans":10,"change":-0.5},"size_mix":{"lt350k":0.3333,"350k_1m":0.4242,"1m_2m":0.1818,"gt2m":0.0606},"top_lenders":[{"key":"American Bank of Freedom","loans":5,"dollars":3985500,"name":"American Bank of Freedom","slug":"american-bank-of-freedom"},{"key":"Live Oak Banking Company","loans":3,"dollars":4994000,"name":"Live Oak Banking Company","slug":"live-oak-banking-company"},{"key":"Midwest Regional Bank","loans":3,"dollars":2497000,"name":"Midwest Regional Bank","slug":"midwest-regional-bank"},{"key":"The Bank of Houston","loans":3,"dollars":2279000,"name":"The Bank of Houston","slug":"the-bank-of-houston"},{"key":"Regent Bank","loans":2,"dollars":2270500,"name":"Regent Bank","slug":"regent-bank"}],"top_franchises":[{"key":"S2560","loans":1,"dollars":756000,"name":"Tire Pros","slug":"tire-pros"},{"key":"S3038","loans":1,"dollars":259500,"name":"NAPA AutoCare","slug":"napa-autocare"}]},{"naics":"238220","name":"Plumbing, Heating, and Air-Conditioning Contractors","slug":"plumbing-heating-and-air-conditioning-contractors-238220","loans":33,"dollars":29963000,"median":756000,"summary":{"loans":33,"dollars":29963000,"median":756000,"mean":907970,"p25":429800,"p75":1160000,"avg_rate":8.13,"median_term":120,"guaranty_share":0.741,"jobs":377,"franchise_loans":2,"recent_loans":11},"by_fy":[{"fy":2018,"loans":2,"dollars":3160000,"median":1580000},{"fy":2019,"loans":9,"dollars":9702400,"median":1059000},{"fy":2020,"loans":3,"dollars":874000,"median":174000},{"fy":2021,"loans":2,"dollars":1534500,"median":767250},{"fy":2022,"loans":2,"dollars":1880100,"median":940050},{"fy":2023,"loans":0,"dollars":0,"median":null},{"fy":2024,"loans":4,"dollars":2088500,"median":566250},{"fy":2025,"loans":6,"dollars":4183200,"median":754500},{"fy":2026,"loans":5,"dollars":6540300,"median":1234000}],"seasoned":{"loans":16,"charged_off":0,"paid_in_full":7,"chargeoff_rate":0,"chargeoff_dollar_rate":0,"fy_min":2018,"fy_max":2021},"compare":{"entity":{"loans":33,"median":756000,"p25":429800,"p75":1160000,"avg_rate":8.13,"median_term":120,"chargeoff_rate":null},"parents":[{"kind":"state","id":"MO","loans":1098,"median":580000,"p25":270000,"p75":1258750,"avg_rate":7.77,"median_term":120,"chargeoff_rate":0.0294},{"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":0.1515,"top3":0.3333,"n3plus":2,"distinct":18},"recent":{"loans":11,"median":774000,"prior_loans":4,"change":null},"size_mix":{"lt350k":0.1818,"350k_1m":0.4848,"1m_2m":0.2424,"gt2m":0.0909},"top_lenders":[{"key":"Midwest Regional Bank","loans":5,"dollars":4869000,"name":"Midwest Regional Bank","slug":"midwest-regional-bank"},{"key":"OakStar Bank","loans":4,"dollars":3452500,"name":"OakStar Bank","slug":"oakstar-bank"},{"key":"Pathward National Association","loans":2,"dollars":3275000,"name":"Pathward National Association","slug":"pathward-national-association"},{"key":"American Bank of Freedom","loans":2,"dollars":2700000,"name":"American Bank of Freedom","slug":"american-bank-of-freedom"},{"key":"Guaranty Bank","loans":2,"dollars":2150000,"name":"Guaranty Bank","slug":"guaranty-bank"}],"top_franchises":[]},{"naics":"238990","name":"All Other Specialty Trade Contractors","slug":"all-other-specialty-trade-contractors-238990","loans":19,"dollars":18443100,"median":544500,"summary":{"loans":19,"dollars":18443100,"median":544500,"mean":970689,"p25":358250,"p75":1129500,"avg_rate":7.97,"median_term":120,"guaranty_share":0.763,"jobs":235,"franchise_loans":1,"recent_loans":2},"by_fy":[{"fy":2018,"loans":0,"dollars":0,"median":null},{"fy":2019,"loans":4,"dollars":3448500,"median":781500},{"fy":2020,"loans":2,"dollars":1930000,"median":965000},{"fy":2021,"loans":2,"dollars":2879500,"median":1439750},{"fy":2022,"loans":4,"dollars":2719500,"median":614250},{"fy":2023,"loans":2,"dollars":1123800,"median":561900},{"fy":2024,"loans":3,"dollars":5915500,"median":544500},{"fy":2025,"loans":1,"dollars":350000,"median":350000},{"fy":2026,"loans":1,"dollars":76300,"median":76300}],"seasoned":{"loans":8,"charged_off":0,"paid_in_full":3,"chargeoff_rate":0,"chargeoff_dollar_rate":0,"fy_min":2019,"fy_max":2021},"compare":{"entity":{"loans":19,"median":544500,"p25":358250,"p75":1129500,"avg_rate":7.97,"median_term":120,"chargeoff_rate":null},"parents":[{"kind":"state","id":"MO","loans":1098,"median":580000,"p25":270000,"p75":1258750,"avg_rate":7.77,"median_term":120,"chargeoff_rate":0.0294},{"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":0.1053,"top3":0.3158,"n3plus":0,"distinct":15},"recent":{"loans":2,"median":213150,"prior_loans":5,"change":null},"size_mix":{"lt350k":0.2105,"350k_1m":0.4737,"1m_2m":0.2105,"gt2m":0.1053},"top_lenders":[{"key":"The Bank of Houston","loans":2,"dollars":5472000,"name":"The Bank of Houston","slug":"the-bank-of-houston"},{"key":"Guaranty Bank","loans":2,"dollars":2137500,"name":"Guaranty Bank","slug":"guaranty-bank"},{"key":"Regent Bank","loans":2,"dollars":1543300,"name":"Regent Bank","slug":"regent-bank"},{"key":"OakStar Bank","loans":2,"dollars":447300,"name":"OakStar Bank","slug":"oakstar-bank"},{"key":"First Business Bank","loans":1,"dollars":2513000,"name":"First Business Bank","slug":"first-business-bank"}],"top_franchises":[{"key":"S2218","loans":1,"dollars":756500,"name":"Miracle Method Surface Refinishing","slug":"miracle-method-surface-refinishing"}]},{"naics":"811192","name":"Car Washes","slug":"car-washes-811192","loans":15,"dollars":16094500,"median":497000,"summary":{"loans":15,"dollars":16094500,"median":497000,"mean":1072967,"p25":281000,"p75":1173350,"avg_rate":7.78,"median_term":300,"guaranty_share":0.783,"jobs":61,"franchise_loans":0,"recent_loans":5},"by_fy":[{"fy":2018,"loans":0,"dollars":0,"median":null},{"fy":2019,"loans":3,"dollars":9110000,"median":3200000},{"fy":2020,"loans":0,"dollars":0,"median":null},{"fy":2021,"loans":3,"dollars":4013700,"median":756700},{"fy":2022,"loans":1,"dollars":712800,"median":712800},{"fy":2023,"loans":1,"dollars":236000,"median":236000},{"fy":2024,"loans":2,"dollars":547000,"median":273500},{"fy":2025,"loans":3,"dollars":783000,"median":326000},{"fy":2026,"loans":2,"dollars":692000,"median":346000}],"seasoned":{"loans":6,"charged_off":0,"paid_in_full":5,"chargeoff_rate":0,"chargeoff_dollar_rate":0,"fy_min":2019,"fy_max":2021},"compare":{"entity":{"loans":15,"median":497000,"p25":281000,"p75":1173350,"avg_rate":7.78,"median_term":300,"chargeoff_rate":null},"parents":[{"kind":"state","id":"MO","loans":1098,"median":580000,"p25":270000,"p75":1258750,"avg_rate":7.77,"median_term":120,"chargeoff_rate":0.0294},{"kind":"industry","id":"811192","loans":406,"median":1324100,"p25":587500,"p75":2703075,"avg_rate":6.89,"median_term":300,"chargeoff_rate":0.009}]},"concentration":{"by":"lender","top1":0.2667,"top3":0.5333,"n3plus":1,"distinct":10},"recent":{"loans":5,"median":326000,"prior_loans":3,"change":null},"size_mix":{"lt350k":0.4,"350k_1m":0.3333,"1m_2m":0.0667,"gt2m":0.2},"top_lenders":[{"key":"American Bank of Freedom","loans":4,"dollars":11890000,"name":"American Bank of Freedom","slug":"american-bank-of-freedom"},{"key":"The Huntington National Bank","loans":2,"dollars":692000,"name":"The Huntington National Bank","slug":"the-huntington-national-bank"},{"key":"UMB Bank, National Association","loans":2,"dollars":547000,"name":"UMB Bank, National Association","slug":"umb-bank-national-association"},{"key":"Alliant Bank","loans":1,"dollars":756700,"name":"Alliant Bank","slug":null},{"key":"First Mid Bank & Trust, National Association","loans":1,"dollars":712800,"name":"First Mid Bank & Trust, National Association","slug":"first-mid-bank-and-trust-national-association"}],"top_franchises":[]},{"naics":"624410","name":"Child Care Services","slug":"child-care-services-624410","loans":15,"dollars":8670500,"median":495000,"summary":{"loans":15,"dollars":8670500,"median":495000,"mean":578033,"p25":296500,"p75":720450,"avg_rate":7.89,"median_term":120,"guaranty_share":0.769,"jobs":255,"franchise_loans":1,"recent_loans":2},"by_fy":[{"fy":2018,"loans":0,"dollars":0,"median":null},{"fy":2019,"loans":3,"dollars":1305900,"median":351000},{"fy":2020,"loans":2,"dollars":1740000,"median":870000},{"fy":2021,"loans":3,"dollars":1823600,"median":495000},{"fy":2022,"loans":1,"dollars":409000,"median":409000},{"fy":2023,"loans":3,"dollars":1567000,"median":720000},{"fy":2024,"loans":1,"dollars":990000,"median":990000},{"fy":2025,"loans":1,"dollars":635000,"median":635000},{"fy":2026,"loans":1,"dollars":200000,"median":200000}],"seasoned":{"loans":8,"charged_off":0,"paid_in_full":3,"chargeoff_rate":0,"chargeoff_dollar_rate":0,"fy_min":2019,"fy_max":2021},"compare":{"entity":{"loans":15,"median":495000,"p25":296500,"p75":720450,"avg_rate":7.89,"median_term":120,"chargeoff_rate":null},"parents":[{"kind":"state","id":"MO","loans":1098,"median":580000,"p25":270000,"p75":1258750,"avg_rate":7.77,"median_term":120,"chargeoff_rate":0.0294},{"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":0.1333,"top3":0.3333,"n3plus":0,"distinct":13},"recent":{"loans":2,"median":417500,"prior_loans":4,"change":null},"size_mix":{"lt350k":0.2667,"350k_1m":0.6,"1m_2m":0.1333,"gt2m":0},"top_lenders":[{"key":"Wells Fargo Bank National Association","loans":2,"dollars":1740000,"name":"Wells Fargo Bank National Association","slug":"wells-fargo-bank-national-association"},{"key":"Midwest Regional Bank","loans":2,"dollars":737000,"name":"Midwest Regional Bank","slug":"midwest-regional-bank"},{"key":"Southern Bank","loans":1,"dollars":1086600,"name":"Southern Bank","slug":"southern-bank"},{"key":"The Bank of Houston","loans":1,"dollars":990000,"name":"The Bank of Houston","slug":"the-bank-of-houston"},{"key":"OakStar Bank","loans":1,"dollars":720900,"name":"OakStar Bank","slug":"oakstar-bank"}],"top_franchises":[{"key":"S1753","loans":1,"dollars":720000,"name":"The Goddard School","slug":"the-goddard-school"}]},{"naics":"713940","name":"Fitness and Recreational Sports Centers","slug":"fitness-and-recreational-sports-centers-713940","loans":15,"dollars":3441600,"median":196100,"summary":{"loans":15,"dollars":3441600,"median":196100,"mean":229440,"p25":142500,"p75":267500,"avg_rate":8.13,"median_term":120,"guaranty_share":0.767,"jobs":89,"franchise_loans":6,"recent_loans":4},"by_fy":[{"fy":2018,"loans":2,"dollars":531000,"median":265500},{"fy":2019,"loans":1,"dollars":131600,"median":131600},{"fy":2020,"loans":2,"dollars":396000,"median":198000},{"fy":2021,"loans":0,"dollars":0,"median":null},{"fy":2022,"loans":2,"dollars":394000,"median":197000},{"fy":2023,"loans":1,"dollars":61200,"median":61200},{"fy":2024,"loans":3,"dollars":662100,"median":219500},{"fy":2025,"loans":4,"dollars":1265700,"median":277950},{"fy":2026,"loans":0,"dollars":0,"median":null}],"seasoned":{"loans":5,"charged_off":0,"paid_in_full":3,"chargeoff_rate":0,"chargeoff_dollar_rate":0,"fy_min":2018,"fy_max":2020},"compare":{"entity":{"loans":15,"median":196100,"p25":142500,"p75":267500,"avg_rate":8.13,"median_term":120,"chargeoff_rate":null},"parents":[{"kind":"state","id":"MO","loans":1098,"median":580000,"p25":270000,"p75":1258750,"avg_rate":7.77,"median_term":120,"chargeoff_rate":0.0294},{"kind":"industry","id":"713940","loans":646,"median":298450,"p25":150000,"p75":650000,"avg_rate":7.95,"median_term":120,"chargeoff_rate":0.0978}]},"concentration":{"by":"lender","top1":0.2,"top3":0.4,"n3plus":1,"distinct":12},"recent":{"loans":4,"median":277950,"prior_loans":4,"change":null},"size_mix":{"lt350k":0.8667,"350k_1m":0.1333,"1m_2m":0,"gt2m":0},"top_lenders":[{"key":"OakStar Bank","loans":3,"dollars":466800,"name":"OakStar Bank","slug":"oakstar-bank"},{"key":"Guaranty Bank","loans":2,"dollars":396000,"name":"Guaranty Bank","slug":"guaranty-bank"},{"key":"The Bank of Missouri","loans":1,"dollars":559800,"name":"The Bank of Missouri","slug":null},{"key":"Home Bank, SB","loans":1,"dollars":365400,"name":"Home Bank, SB","slug":null},{"key":"The Central Trust Bank","loans":1,"dollars":340000,"name":"The Central Trust Bank","slug":null}],"top_franchises":[{"key":"S0122","loans":4,"dollars":1157400,"name":"Anytime Fitness","slug":"anytime-fitness"},{"key":"S2031","loans":1,"dollars":246500,"name":"Hotworx","slug":"hotworx"},{"key":"S0024","loans":1,"dollars":135000,"name":"9Round","slug":"9round"}]},{"naics":"561730","name":"Landscaping Services","slug":"landscaping-services-561730","loans":14,"dollars":9369100,"median":374800,"summary":{"loans":14,"dollars":9369100,"median":374800,"mean":669221,"p25":219750,"p75":722075,"avg_rate":7.91,"median_term":120,"guaranty_share":0.753,"jobs":147,"franchise_loans":0,"recent_loans":6},"by_fy":[{"fy":2018,"loans":0,"dollars":0,"median":null},{"fy":2019,"loans":2,"dollars":684600,"median":342300},{"fy":2020,"loans":1,"dollars":188000,"median":188000},{"fy":2021,"loans":2,"dollars":997000,"median":498500},{"fy":2022,"loans":2,"dollars":3951000,"median":1975500},{"fy":2023,"loans":0,"dollars":0,"median":null},{"fy":2024,"loans":1,"dollars":389700,"median":389700},{"fy":2025,"loans":4,"dollars":2142300,"median":416150},{"fy":2026,"loans":2,"dollars":1016500,"median":508250}],"seasoned":{"loans":5,"charged_off":1,"paid_in_full":2,"chargeoff_rate":0.2,"chargeoff_dollar_rate":0.3086,"fy_min":2019,"fy_max":2021},"compare":{"entity":{"loans":14,"median":374800,"p25":219750,"p75":722075,"avg_rate":7.91,"median_term":120,"chargeoff_rate":null},"parents":[{"kind":"state","id":"MO","loans":1098,"median":580000,"p25":270000,"p75":1258750,"avg_rate":7.77,"median_term":120,"chargeoff_rate":0.0294},{"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":0.2143,"top3":0.4286,"n3plus":1,"distinct":11},"recent":{"loans":6,"median":416150,"prior_loans":1,"change":null},"size_mix":{"lt350k":0.4286,"350k_1m":0.4286,"1m_2m":0.0714,"gt2m":0.0714},"top_lenders":[{"key":"The Huntington National Bank","loans":3,"dollars":687300,"name":"The Huntington National Bank","slug":"the-huntington-national-bank"},{"key":"The Bank of Houston","loans":2,"dollars":4477500,"name":"The Bank of Houston","slug":"the-bank-of-houston"},{"key":"OakStar Bank","loans":1,"dollars":1260000,"name":"OakStar Bank","slug":"oakstar-bank"},{"key":"Live Oak Banking Company","loans":1,"dollars":812000,"name":"Live Oak Banking Company","slug":"live-oak-banking-company"},{"key":"Heritage Bank of the Ozarks","loans":1,"dollars":389700,"name":"Heritage Bank of the Ozarks","slug":null}],"top_franchises":[]},{"naics":"531130","name":"Lessors of Miniwarehouses and Self-Storage Units","slug":"lessors-of-miniwarehouses-and-self-storage-units-531130","loans":14,"dollars":17258100,"median":799000,"summary":{"loans":14,"dollars":17258100,"median":799000,"mean":1232721,"p25":517500,"p75":1068750,"avg_rate":5.91,"median_term":300,"guaranty_share":0.797,"jobs":19,"franchise_loans":0,"recent_loans":3},"by_fy":[{"fy":2018,"loans":1,"dollars":1085000,"median":1085000},{"fy":2019,"loans":0,"dollars":0,"median":null},{"fy":2020,"loans":1,"dollars":1020000,"median":1020000},{"fy":2021,"loans":4,"dollars":5370500,"median":513000},{"fy":2022,"loans":4,"dollars":4176600,"median":799000},{"fy":2023,"loans":0,"dollars":0,"median":null},{"fy":2024,"loans":1,"dollars":540000,"median":540000},{"fy":2025,"loans":2,"dollars":1462000,"median":731000},{"fy":2026,"loans":1,"dollars":3604000,"median":3604000}],"seasoned":{"loans":6,"charged_off":0,"paid_in_full":6,"chargeoff_rate":0,"chargeoff_dollar_rate":0,"fy_min":2018,"fy_max":2021},"compare":{"entity":{"loans":14,"median":799000,"p25":517500,"p75":1068750,"avg_rate":5.91,"median_term":300,"chargeoff_rate":null},"parents":[{"kind":"state","id":"MO","loans":1098,"median":580000,"p25":270000,"p75":1258750,"avg_rate":7.77,"median_term":120,"chargeoff_rate":0.0294},{"kind":"industry","id":"531130","loans":285,"median":1126000,"p25":703800,"p75":1880000,"avg_rate":6.49,"median_term":300,"chargeoff_rate":0}]},"concentration":{"by":"lender","top1":0.6429,"top3":0.8571,"n3plus":1,"distinct":5},"recent":{"loans":3,"median":952000,"prior_loans":1,"change":null},"size_mix":{"lt350k":0.0714,"350k_1m":0.5714,"1m_2m":0.1429,"gt2m":0.2143},"top_lenders":[{"key":"Live Oak Banking Company","loans":9,"dollars":14589000,"name":"Live Oak Banking Company","slug":"live-oak-banking-company"},{"key":"Bank Five Nine","loans":2,"dollars":730500,"name":"Bank Five Nine","slug":"bank-five-nine"},{"key":"OakStar Bank","loans":1,"dollars":1020000,"name":"OakStar Bank","slug":"oakstar-bank"},{"key":"United Bank of Union","loans":1,"dollars":540000,"name":"United Bank of Union","slug":null},{"key":"First Midwest Bank of the Ozarks","loans":1,"dollars":378600,"name":"First Midwest Bank of the Ozarks","slug":null}],"top_franchises":[]},{"naics":"457110","name":"Gasoline Stations with Convenience Stores","slug":"gasoline-stations-with-convenience-stores-457110","loans":12,"dollars":21742400,"median":1430000,"summary":{"loans":12,"dollars":21742400,"median":1430000,"mean":1811867,"p25":995250,"p75":2343375,"avg_rate":8.16,"median_term":300,"guaranty_share":0.768,"jobs":118,"franchise_loans":5,"recent_loans":4},"by_fy":[{"fy":2018,"loans":0,"dollars":0,"median":null},{"fy":2019,"loans":0,"dollars":0,"median":null},{"fy":2020,"loans":0,"dollars":0,"median":null},{"fy":2021,"loans":2,"dollars":3231000,"median":1615500},{"fy":2022,"loans":2,"dollars":3610000,"median":1805000},{"fy":2023,"loans":1,"dollars":3838900,"median":3838900},{"fy":2024,"loans":3,"dollars":3300000,"median":1000000},{"fy":2025,"loans":1,"dollars":1670000,"median":1670000},{"fy":2026,"loans":3,"dollars":6092500,"median":1111500}],"seasoned":{"loans":2,"charged_off":0,"paid_in_full":0,"chargeoff_rate":0,"chargeoff_dollar_rate":0,"fy_min":2021,"fy_max":2021},"compare":{"entity":{"loans":12,"median":1430000,"p25":995250,"p75":2343375,"avg_rate":8.16,"median_term":300,"chargeoff_rate":null},"parents":[{"kind":"state","id":"MO","loans":1098,"median":580000,"p25":270000,"p75":1258750,"avg_rate":7.77,"median_term":120,"chargeoff_rate":0.0294},{"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":0.5,"top3":0.75,"n3plus":1,"distinct":6},"recent":{"loans":4,"median":1390750,"prior_loans":4,"change":null},"size_mix":{"lt350k":0,"350k_1m":0.25,"1m_2m":0.4167,"gt2m":0.3333},"top_lenders":[{"key":"OakStar Bank","loans":6,"dollars":10904500,"name":"OakStar Bank","slug":"oakstar-bank"},{"key":"The Bank of Houston","loans":2,"dollars":2857500,"name":"The Bank of Houston","slug":"the-bank-of-houston"},{"key":"Belgrade State Bank","loans":1,"dollars":3838900,"name":"Belgrade State Bank","slug":null},{"key":"Equity Bank","loans":1,"dollars":1670000,"name":"Equity Bank","slug":"equity-bank"},{"key":"Landmark National Bank","loans":1,"dollars":1360000,"name":"Landmark National Bank","slug":"landmark-national-bank"}],"top_franchises":[{"key":"S3094","loans":2,"dollars":3983500,"name":"World Fuel Services","slug":"world-fuel-services"},{"key":"S2631","loans":1,"dollars":981000,"name":"Sunoco","slug":"sunoco"}]},{"naics":"621310","name":"Offices of Chiropractors","slug":"offices-of-chiropractors-621310","loans":12,"dollars":2912100,"median":245650,"summary":{"loans":12,"dollars":2912100,"median":245650,"mean":242675,"p25":144700,"p75":265125,"avg_rate":8.35,"median_term":120,"guaranty_share":0.737,"jobs":55,"franchise_loans":0,"recent_loans":5},"by_fy":[{"fy":2018,"loans":2,"dollars":330000,"median":165000},{"fy":2019,"loans":0,"dollars":0,"median":null},{"fy":2020,"loans":1,"dollars":262000,"median":262000},{"fy":2021,"loans":1,"dollars":128700,"median":128700},{"fy":2022,"loans":1,"dollars":189000,"median":189000},{"fy":2023,"loans":1,"dollars":265500,"median":265500},{"fy":2024,"loans":1,"dollars":265000,"median":265000},{"fy":2025,"loans":4,"dollars":1230600,"median":233550},{"fy":2026,"loans":1,"dollars":241300,"median":241300}],"seasoned":{"loans":4,"charged_off":0,"paid_in_full":2,"chargeoff_rate":0,"chargeoff_dollar_rate":0,"fy_min":2018,"fy_max":2021},"compare":{"entity":{"loans":12,"median":245650,"p25":144700,"p75":265125,"avg_rate":8.35,"median_term":120,"chargeoff_rate":null},"parents":[{"kind":"state","id":"MO","loans":1098,"median":580000,"p25":270000,"p75":1258750,"avg_rate":7.77,"median_term":120,"chargeoff_rate":0.0294},{"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":0.1667,"top3":0.4167,"n3plus":0,"distinct":10},"recent":{"loans":5,"median":241300,"prior_loans":2,"change":null},"size_mix":{"lt350k":0.9167,"350k_1m":0.0833,"1m_2m":0,"gt2m":0},"top_lenders":[{"key":"Kendall Bank","loans":2,"dollars":506800,"name":"Kendall Bank","slug":"kendall-bank"},{"key":"The Central Trust Bank","loans":2,"dollars":378700,"name":"The Central Trust Bank","slug":null},{"key":"The Bank of Houston","loans":1,"dollars":626000,"name":"The Bank of Houston","slug":"the-bank-of-houston"},{"key":"Banesco USA","loans":1,"dollars":320000,"name":"Banesco USA","slug":"banesco-usa"},{"key":"United Midwest Savings Bank National Association","loans":1,"dollars":265000,"name":"United Midwest Savings Bank National Association","slug":"united-midwest-savings-bank-national-association"}],"top_franchises":[]},{"naics":"524210","name":"Insurance Agencies and Brokerages","slug":"insurance-agencies-and-brokerages-524210","loans":12,"dollars":4199400,"median":296000,"summary":{"loans":12,"dollars":4199400,"median":296000,"mean":349950,"p25":173750,"p75":524500,"avg_rate":7.79,"median_term":120,"guaranty_share":0.785,"jobs":37,"franchise_loans":2,"recent_loans":2},"by_fy":[{"fy":2018,"loans":2,"dollars":300400,"median":150200},{"fy":2019,"loans":3,"dollars":1082000,"median":297000},{"fy":2020,"loans":2,"dollars":561000,"median":280500},{"fy":2021,"loans":1,"dollars":770000,"median":770000},{"fy":2022,"loans":0,"dollars":0,"median":null},{"fy":2023,"loans":1,"dollars":63000,"median":63000},{"fy":2024,"loans":1,"dollars":485000,"median":485000},{"fy":2025,"loans":0,"dollars":0,"median":null},{"fy":2026,"loans":2,"dollars":938000,"median":469000}],"seasoned":{"loans":8,"charged_off":0,"paid_in_full":4,"chargeoff_rate":0,"chargeoff_dollar_rate":0,"fy_min":2018,"fy_max":2021},"compare":{"entity":{"loans":12,"median":296000,"p25":173750,"p75":524500,"avg_rate":7.79,"median_term":120,"chargeoff_rate":null},"parents":[{"kind":"state","id":"MO","loans":1098,"median":580000,"p25":270000,"p75":1258750,"avg_rate":7.77,"median_term":120,"chargeoff_rate":0.0294},{"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":0.1667,"top3":0.5,"n3plus":0,"distinct":9},"recent":{"loans":2,"median":469000,"prior_loans":2,"change":null},"size_mix":{"lt350k":0.6667,"350k_1m":0.3333,"1m_2m":0,"gt2m":0},"top_lenders":[{"key":"United Midwest Savings Bank National Association","loans":2,"dollars":1415000,"name":"United Midwest Savings Bank National Association","slug":"united-midwest-savings-bank-national-association"},{"key":"Touchmark National Bank","loans":2,"dollars":561000,"name":"Touchmark National Bank","slug":"touchmark-national-bank"},{"key":"OMB Bank","loans":2,"dollars":410400,"name":"OMB Bank","slug":"omb-bank"},{"key":"OakStar Bank","loans":1,"dollars":643000,"name":"OakStar Bank","slug":"oakstar-bank"},{"key":"Live Oak Banking Company","loans":1,"dollars":485000,"name":"Live Oak Banking Company","slug":"live-oak-banking-company"}],"top_franchises":[{"key":"S3883","loans":2,"dollars":203000,"name":"Farmers Insurance","slug":"farmers-insurance"}]},{"naics":"812210","name":"Funeral Homes and Funeral Services","slug":"funeral-homes-and-funeral-services-812210","loans":11,"dollars":19351800,"median":1700000,"summary":{"loans":11,"dollars":19351800,"median":1700000,"mean":1759255,"p25":1113000,"p75":1939900,"avg_rate":7.2,"median_term":300,"guaranty_share":0.761,"jobs":49,"franchise_loans":0,"recent_loans":2},"by_fy":[{"fy":2018,"loans":2,"dollars":2787000,"median":1393500},{"fy":2019,"loans":2,"dollars":2840000,"median":1420000},{"fy":2020,"loans":1,"dollars":2056000,"median":2056000},{"fy":2021,"loans":1,"dollars":1823800,"median":1823800},{"fy":2022,"loans":1,"dollars":1605000,"median":1605000},{"fy":2023,"loans":1,"dollars":409000,"median":409000},{"fy":2024,"loans":1,"dollars":1136000,"median":1136000},{"fy":2025,"loans":2,"dollars":6695000,"median":3347500},{"fy":2026,"loans":0,"dollars":0,"median":null}],"seasoned":{"loans":6,"charged_off":0,"paid_in_full":3,"chargeoff_rate":0,"chargeoff_dollar_rate":0,"fy_min":2018,"fy_max":2021},"compare":{"entity":{"loans":11,"median":1700000,"p25":1113000,"p75":1939900,"avg_rate":7.2,"median_term":300,"chargeoff_rate":null},"parents":[{"kind":"state","id":"MO","loans":1098,"median":580000,"p25":270000,"p75":1258750,"avg_rate":7.77,"median_term":120,"chargeoff_rate":0.0294},{"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":0.2727,"top3":0.7273,"n3plus":2,"distinct":6},"recent":{"loans":2,"median":3347500,"prior_loans":2,"change":null},"size_mix":{"lt350k":0,"350k_1m":0.0909,"1m_2m":0.6364,"gt2m":0.2727},"top_lenders":[{"key":"Live Oak Banking Company","loans":3,"dollars":8445000,"name":"Live Oak Banking Company","slug":"live-oak-banking-company"},{"key":"North Valley Bank","loans":3,"dollars":3782000,"name":"North Valley Bank","slug":"north-valley-bank"},{"key":"United Midwest Savings Bank National Association","loans":2,"dollars":1545000,"name":"United Midwest Savings Bank National Association","slug":"united-midwest-savings-bank-national-association"},{"key":"First Midwest Bank of the Ozarks","loans":1,"dollars":2056000,"name":"First Midwest Bank of the Ozarks","slug":null},{"key":"Southern Bank","loans":1,"dollars":1823800,"name":"Southern Bank","slug":"southern-bank"}],"top_franchises":[]},{"naics":"812990","name":"All Other Personal Services","slug":"all-other-personal-services-812990","loans":11,"dollars":8724800,"median":363000,"summary":{"loans":11,"dollars":8724800,"median":363000,"mean":793164,"p25":228300,"p75":1017500,"avg_rate":9.02,"median_term":120,"guaranty_share":0.753,"jobs":284,"franchise_loans":4,"recent_loans":5},"by_fy":[{"fy":2018,"loans":1,"dollars":306600,"median":306600},{"fy":2019,"loans":1,"dollars":320000,"median":320000},{"fy":2020,"loans":0,"dollars":0,"median":null},{"fy":2021,"loans":0,"dollars":0,"median":null},{"fy":2022,"loans":1,"dollars":432000,"median":432000},{"fy":2023,"loans":1,"dollars":98700,"median":98700},{"fy":2024,"loans":2,"dollars":910000,"median":455000},{"fy":2025,"loans":4,"dollars":4257500,"median":819000},{"fy":2026,"loans":1,"dollars":2400000,"median":2400000}],"seasoned":{"loans":2,"charged_off":1,"paid_in_full":0,"chargeoff_rate":0.5,"chargeoff_dollar_rate":0.3713,"fy_min":2018,"fy_max":2019},"compare":{"entity":{"loans":11,"median":363000,"p25":228300,"p75":1017500,"avg_rate":9.02,"median_term":120,"chargeoff_rate":null},"parents":[{"kind":"state","id":"MO","loans":1098,"median":580000,"p25":270000,"p75":1258750,"avg_rate":7.77,"median_term":120,"chargeoff_rate":0.0294},{"kind":"industry","id":"812990","loans":336,"median":406600,"p25":211375,"p75":1000000,"avg_rate":8.17,"median_term":120,"chargeoff_rate":0.0569}]},"concentration":{"by":"lender","top1":0.1818,"top3":0.4545,"n3plus":0,"distinct":9},"recent":{"loans":5,"median":1275000,"prior_loans":3,"change":null},"size_mix":{"lt350k":0.4545,"350k_1m":0.2727,"1m_2m":0.0909,"gt2m":0.1818},"top_lenders":[{"key":"The Bank of Houston","loans":2,"dollars":1707000,"name":"The Bank of Houston","slug":"the-bank-of-houston"},{"key":"Regent Bank","loans":2,"dollars":418700,"name":"Regent Bank","slug":"regent-bank"},{"key":"OakStar Bank","loans":1,"dollars":2500000,"name":"OakStar Bank","slug":"oakstar-bank"},{"key":"Midwest Regional Bank","loans":1,"dollars":2400000,"name":"Midwest Regional Bank","slug":"midwest-regional-bank"},{"key":"Branson Bank","loans":1,"dollars":760000,"name":"Branson Bank","slug":null}],"top_franchises":[{"key":"S1431","loans":1,"dollars":1275000,"name":"Right at Home","slug":"right-at-home"},{"key":"S1083","loans":1,"dollars":363000,"name":"Massage Envy","slug":"massage-envy"},{"key":"S2428","loans":1,"dollars":150000,"name":"barre3","slug":"barre3"},{"key":"S1592","loans":1,"dollars":98700,"name":"Snap Fitness","slug":"snap-fitness"}]},{"naics":"561720","name":"Janitorial Services","slug":"janitorial-services-561720","loans":11,"dollars":4325000,"median":247000,"summary":{"loans":11,"dollars":4325000,"median":247000,"mean":393182,"p25":168750,"p75":470000,"avg_rate":7.75,"median_term":120,"guaranty_share":0.747,"jobs":147,"franchise_loans":5,"recent_loans":3},"by_fy":[{"fy":2018,"loans":3,"dollars":589500,"median":176000},{"fy":2019,"loans":1,"dollars":336000,"median":336000},{"fy":2020,"loans":1,"dollars":495000,"median":495000},{"fy":2021,"loans":0,"dollars":0,"median":null},{"fy":2022,"loans":2,"dollars":1439500,"median":719750},{"fy":2023,"loans":1,"dollars":445000,"median":445000},{"fy":2024,"loans":0,"dollars":0,"median":null},{"fy":2025,"loans":2,"dollars":908000,"median":454000},{"fy":2026,"loans":1,"dollars":112000,"median":112000}],"seasoned":{"loans":5,"charged_off":0,"paid_in_full":2,"chargeoff_rate":0,"chargeoff_dollar_rate":0,"fy_min":2018,"fy_max":2020},"compare":{"entity":{"loans":11,"median":247000,"p25":168750,"p75":470000,"avg_rate":7.75,"median_term":120,"chargeoff_rate":null},"parents":[{"kind":"state","id":"MO","loans":1098,"median":580000,"p25":270000,"p75":1258750,"avg_rate":7.77,"median_term":120,"chargeoff_rate":0.0294},{"kind":"industry","id":"561720","loans":435,"median":369700,"p25":200000,"p75":736000,"avg_rate":8.2,"median_term":120,"chargeoff_rate":0.026}]},"concentration":{"by":"lender","top1":0.2727,"top3":0.6364,"n3plus":1,"distinct":7},"recent":{"loans":3,"median":171000,"prior_loans":1,"change":null},"size_mix":{"lt350k":0.6364,"350k_1m":0.2727,"1m_2m":0.0909,"gt2m":0},"top_lenders":[{"key":"OakStar Bank","loans":3,"dollars":454500,"name":"OakStar Bank","slug":"oakstar-bank"},{"key":"Midwest Regional Bank","loans":2,"dollars":1507000,"name":"Midwest Regional Bank","slug":"midwest-regional-bank"},{"key":"American Bank of Freedom","loans":2,"dollars":781000,"name":"American Bank of Freedom","slug":"american-bank-of-freedom"},{"key":"BayFirst National Bank","loans":1,"dollars":737000,"name":"BayFirst National Bank","slug":"bayfirst-national-bank"},{"key":"UMB Bank, National Association","loans":1,"dollars":495000,"name":"UMB Bank, National Association","slug":"umb-bank-national-association"}],"top_franchises":[{"key":"S0773","loans":2,"dollars":984000,"name":"Hoodz","slug":"hoodz"},{"key":"S1737","loans":1,"dollars":1336000,"name":"The Cleaning Authority","slug":"the-cleaning-authority"}]},{"naics":"492110","name":"Couriers and Express Delivery Services","slug":"couriers-and-express-delivery-services-492110","loans":10,"dollars":7571000,"median":773500,"summary":{"loans":10,"dollars":7571000,"median":773500,"mean":757100,"p25":381675,"p75":1019050,"avg_rate":7.88,"median_term":120,"guaranty_share":0.736,"jobs":164,"franchise_loans":1,"recent_loans":4},"by_fy":[{"fy":2018,"loans":0,"dollars":0,"median":null},{"fy":2019,"loans":2,"dollars":733000,"median":366500},{"fy":2020,"loans":1,"dollars":1000000,"median":1000000},{"fy":2021,"loans":1,"dollars":1025400,"median":1025400},{"fy":2022,"loans":0,"dollars":0,"median":null},{"fy":2023,"loans":2,"dollars":362900,"median":181450},{"fy":2024,"loans":0,"dollars":0,"median":null},{"fy":2025,"loans":1,"dollars":1870000,"median":1870000},{"fy":2026,"loans":3,"dollars":2579700,"median":853000}],"seasoned":{"loans":4,"charged_off":0,"paid_in_full":3,"chargeoff_rate":0,"chargeoff_dollar_rate":0,"fy_min":2019,"fy_max":2021},"compare":{"entity":{"loans":10,"median":773500,"p25":381675,"p75":1019050,"avg_rate":7.88,"median_term":120,"chargeoff_rate":null},"parents":[{"kind":"state","id":"MO","loans":1098,"median":580000,"p25":270000,"p75":1258750,"avg_rate":7.77,"median_term":120,"chargeoff_rate":0.0294},{"kind":"industry","id":"492110","loans":363,"median":673000,"p25":350000,"p75":1040000,"avg_rate":7.89,"median_term":120,"chargeoff_rate":0.0468}]},"concentration":{"by":"lender","top1":0.2,"top3":0.5,"n3plus":0,"distinct":8},"recent":{"loans":4,"median":942850,"prior_loans":2,"change":null},"size_mix":{"lt350k":0.3,"350k_1m":0.3,"1m_2m":0.4,"gt2m":0},"top_lenders":[{"key":"Kendall Bank","loans":2,"dollars":1547000,"name":"Kendall Bank","slug":"kendall-bank"},{"key":"Regent Bank","loans":2,"dollars":362900,"name":"Regent Bank","slug":"regent-bank"},{"key":"Readycap Lending, LLC","loans":1,"dollars":1870000,"name":"Readycap Lending, LLC","slug":"readycap-lending-llc"},{"key":"Falcon National Bank","loans":1,"dollars":1032700,"name":"Falcon National Bank","slug":"falcon-national-bank"},{"key":"Guaranty Bank","loans":1,"dollars":1025400,"name":"Guaranty Bank","slug":"guaranty-bank"}],"top_franchises":[{"key":"S1788","loans":1,"dollars":220000,"name":"The UPS Store","slug":"the-ups-store"}]},{"naics":"458110","name":"Clothing and Clothing Accessories Retailers","slug":"clothing-and-clothing-accessories-retailers-458110","loans":10,"dollars":4246000,"median":317600,"summary":{"loans":10,"dollars":4246000,"median":317600,"mean":424600,"p25":120675,"p75":447075,"avg_rate":7.59,"median_term":120,"guaranty_share":0.752,"jobs":61,"franchise_loans":2,"recent_loans":0},"by_fy":[{"fy":2018,"loans":3,"dollars":514100,"median":173400},{"fy":2019,"loans":2,"dollars":134600,"median":67300},{"fy":2020,"loans":0,"dollars":0,"median":null},{"fy":2021,"loans":1,"dollars":370000,"median":370000},{"fy":2022,"loans":1,"dollars":1261000,"median":1261000},{"fy":2023,"loans":2,"dollars":888300,"median":444150},{"fy":2024,"loans":1,"dollars":1078000,"median":1078000},{"fy":2025,"loans":0,"dollars":0,"median":null},{"fy":2026,"loans":0,"dollars":0,"median":null}],"seasoned":{"loans":6,"charged_off":0,"paid_in_full":5,"chargeoff_rate":0,"chargeoff_dollar_rate":0,"fy_min":2018,"fy_max":2021},"compare":{"entity":{"loans":10,"median":317600,"p25":120675,"p75":447075,"avg_rate":7.59,"median_term":120,"chargeoff_rate":null},"parents":[{"kind":"state","id":"MO","loans":1098,"median":580000,"p25":270000,"p75":1258750,"avg_rate":7.77,"median_term":120,"chargeoff_rate":0.0294},{"kind":"industry","id":"458110","loans":261,"median":341000,"p25":150000,"p75":677000,"avg_rate":7.89,"median_term":120,"chargeoff_rate":0.0351}]},"concentration":{"by":"lender","top1":0.2,"top3":0.6,"n3plus":0,"distinct":7},"recent":{"loans":0,"median":null,"prior_loans":3,"change":null},"size_mix":{"lt350k":0.5,"350k_1m":0.3,"1m_2m":0.2,"gt2m":0},"top_lenders":[{"key":"St. Louis Bank","loans":2,"dollars":2339000,"name":"St. Louis Bank","slug":"st-louis-bank"},{"key":"Southern Bank","loans":2,"dollars":473100,"name":"Southern Bank","slug":"southern-bank"},{"key":"OakStar Bank","loans":2,"dollars":107000,"name":"OakStar Bank","slug":"oakstar-bank"},{"key":"Peoples National Bank National Association","loans":1,"dollars":450000,"name":"Peoples National Bank National Association","slug":null},{"key":"The Bancorp Bank National Association","loans":1,"dollars":438300,"name":"The Bancorp Bank National Association","slug":"the-bancorp-bank-national-association"}],"top_franchises":[{"key":"S1327","loans":1,"dollars":370000,"name":"Plato's Closet","slug":"platos-closet"},{"key":"S1218","loans":1,"dollars":173400,"name":"Once Upon A Child","slug":"once-upon-a-child"}]}],"rank":17,"share_of_national":0.0225}}