Free teaser: 25-row sample + aggregate summary
Browse files- README.md +133 -0
- sample.csv +26 -0
- summary_by_project_state.csv +55 -0
README.md
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---
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license: other
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license_name: tensorust-sample-license
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license_link: https://tensorust.com/datasets/sba-504-refi-window/
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pretty_name: "SBA 504 Refinance Window (free sample)"
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language:
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- en
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tags:
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- tensorust
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- sample
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- private-credit-and-finance
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- government-data
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- finance
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size_categories:
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- n<1K
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configs:
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- config_name: sample
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data_files:
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- split: train
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path: sample.csv
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- config_name: summary
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data_files:
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- split: train
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path: summary_by_project_state.csv
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---
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# SBA 504 Refinance Window: free sample (Tensorust LLC)
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Active SBA 504 loans from 2010 to 2016 that are past their prepayment penalty or near maturity, with estimated balances.
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**Headline:** 11,719 SBA 504 loans approved FY2010 to FY2016 to businesses are still active in SBA's Sep 30 2026 FOIA file.
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This repository is a **free teaser**, not the dataset. It holds 25 example rows and a summary table with no names in it. The full file has **11,719 rows** and is sold by Tensorust LLC: **[https://tensorust.com/datasets/sba-504-refi-window/](https://tensorust.com/datasets/sba-504-refi-window/)**.
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## Files here
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| file | what it is |
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|---|---|
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| `sample.csv` | 25 rows of the full file (the same sample shown on tensorust.com) |
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| `summary_by_project_state.csv` | row counts and totals by project state across the full file, no entity names (groups with fewer than 3 rows are folded into "Other") |
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## Summary by project state (largest groups)
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| Project state | rows | Est. remaining balance (USD) |
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|---|---|---|
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| CA | 1,829 | 738,948,783 |
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| FL | 731 | 217,694,754 |
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| IL | 723 | 229,089,002 |
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| TX | 583 | 286,786,872 |
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| NY | 521 | 218,729,092 |
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| MN | 502 | 149,066,122 |
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| MA | 493 | 126,647,876 |
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| UT | 427 | 120,097,054 |
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| OH | 389 | 102,166,401 |
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| MI | 356 | 82,541,225 |
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| IN | 328 | 82,608,858 |
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| CO | 310 | 100,737,938 |
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| TOTAL | 11,719 | 3,938,451,751 |
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Full table: `summary_by_project_state.csv`.
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## What the full file has
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- 11,719 rows
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- Key fields: location_id, borrower, city, state, zip, cdc, cdc_state, first_lien_lender, first_lien_lender_state, first_lien_dollars
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- Parquet and CSV, a README with sources, method and limits, and the build script
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- Free 25-row sample (no personal contact data)
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Coverage: Active (status EXEMPT) 504 loans approved FY2010 to FY2016 to corporations and partnerships; sole proprietors and names that read as private individuals excluded. FY2006 to FY2009 approvals are not in SBA's public FOIA file. SBA FOIA file as of Sep 30 2026
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### Columns in the full file
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| column | meaning |
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|---|---|
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| `location_id` | SBA location id |
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| `borrower` | Business borrower |
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| `city` | City |
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| `state` | State |
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| `zip` | ZIP |
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| `cdc` | Certified Development Company |
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| `cdc_state` | CDC state |
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| `first_lien_lender` | Third-party (first-lien) lender |
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| `first_lien_lender_state` | First-lien lender state |
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| `first_lien_dollars` | First-lien loan amount |
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| `debenture_approved` | 504 debenture gross approval |
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| `approval_date` | Approval date |
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| `approval_fy` | Approval fiscal year |
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| `first_disbursement` | First disbursement date |
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| `term_months` | Debenture term in months |
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| `naics` | NAICS |
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| `naics_description` | NAICS title |
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| `franchise` | Franchise brand if any |
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| `project_county` | Project county |
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| `project_state` | Project state |
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| `business_type` | Corporation or partnership |
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| `business_age` | Business age at approval |
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| `loan_status` | FOIA status (EXEMPT = active) |
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| `jobs_supported` | Jobs supported |
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| `maturity_date_est` | Estimated maturity (first disbursement plus term) |
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| `months_elapsed` | Months since first disbursement |
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| `months_remaining` | Months to estimated maturity |
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| `prepay_penalty_ends_est` | Estimated end of the prepayment premium (half the term) |
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| `prepay_penalty_free_now` | Past the prepayment premium period on Nov 6 2026 |
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| `est_remaining_balance` | Estimated remaining debenture principal (level amortization at 4.5% a year, an assumption) |
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| `window` | Refinance window bucket |
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| `source` | SBA FOIA dataset page |
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## Get the full file
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| tier | price | includes |
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|---|---|---|
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| Market file | $1,500 | Every active 2010 to 2016 504 loan in up to 3 states or one CDC's footprint: business, city, CDC, first-lien lender, debenture amount, term, estimated maturity, prepayment-penalty end date and estimated remaining balance. CSV and Excel. |
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| National file | $5,900 | All 11,719 active business-borrower 504 loans approved FY2010 to FY2016 nationwide ($3.94B estimated remaining). |
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| Yearly license | $15,000 a year | The national file refreshed each quarter from the SBA FOIA file with paid-off loans dropped, extended to FY2017 and later cohorts as they leave the prepayment period. For commercial bank and CDC business development. |
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Email **mattbusel@tensorust.com** with the tier and a billing contact, and we will send a proper invoice (ACH or card). The file is delivered once the invoice is paid. Details and the live sample: [https://tensorust.com/datasets/sba-504-refi-window/](https://tensorust.com/datasets/sba-504-refi-window/). All datasets: https://tensorust.com/datasets/
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## Method and limits
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Filter the 504 FOIA file to active FY2010 to FY2016 business loans, estimate maturity from first disbursement plus term, the prepayment-premium end at half the term, and the remaining balance by level amortization at an assumed 4.5% debenture rate.
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Not actual loan balances (SBA does not publish them; the balance is a model estimate), not a list of businesses that want to refinance, and no personal contact data: no owner names, phones or emails, no sole proprietors.
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## Sources
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- SBA 504 FOIA loan data, FY2010 to present, as of Sep 30 2026 (data.sba.gov/dataset/7a-504-foia)
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- 13 CFR 120.940 and SBA SOP 50 10 (504 debenture prepayment premium over the first half of the term)
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## License
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The sample and summary here are free to view, analyze and cite with attribution to "Tensorust LLC, https://tensorust.com/datasets/sba-504-refi-window/". The full dataset is licensed separately per tier. No resale or redistribution of Tensorust data without a written license.
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Tensorust LLC, Tuckahoe NY. mattbusel@tensorust.com | https://tensorust.com
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sample.csv
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location_id,borrower,city,state,cdc,cdc_state,first_lien_lender,first_lien_lender_state,first_lien_dollars,debenture_approved,approval_date,approval_fy,first_disbursement,term_months,naics,naics_description,franchise,project_county,project_state,business_type,business_age,loan_status,jobs_supported,maturity_date_est,months_elapsed,months_remaining,prepay_penalty_ends_est,prepay_penalty_free_now,est_remaining_balance,window,source
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0188309,Hilton Garden Inn - Airport,Sacramento,CA,CDC Small Business Finance Corp.,CA,Community West Bank,CA,13049727.0,5468000.0,2016-08-26,2016,2020-09-16,240,721110,Hotels (except Casino Hotels) and Motels ,,SACRAMENTO,CA,CORPORATION,,EXEMPT,35,2040-09-16,74.0,166.0,2030-09-16,False,4275346.0,prepayment period ends later,https://data.sba.gov/dataset/7a-504-foia
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0188309,Springhill Suites by Marriott,Auburn,CA,CDC Small Business Finance Corp.,CA,"Business Loan Capital Fund IX, LLC",PA,10440489.0,5500000.0,2015-11-24,2016,2020-07-15,240,721110,Hotels (except Casino Hotels) and Motels,,PLACER,CA,CORPORATION,Less than 4 years old but at least 3,EXEMPT,30,2040-07-15,76.0,164.0,2030-07-15,False,4261647.0,prepayment period ends later,https://data.sba.gov/dataset/7a-504-foia
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0188109,Hyatt Place,OCEAN CITY,MD,Chesapeake Business Finance Corporation,MD,"Capital Bank, National Association",MD,18002500.0,5475000.0,2016-08-17,2016,2020-08-12,240,721110,Hotels (except Casino Hotels) and Motels,Hyatt Place,WORCESTER,MD,CORPORATION,Less than 4 years old but at least 3,EXEMPT,3,2040-08-12,75.0,165.0,2030-08-12,False,4259443.0,prepayment period ends later,https://data.sba.gov/dataset/7a-504-foia
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0188129,Stellae International Inc,Melville,NY,Empire State Certified Development Corporation,NY,"JPMorgan Chase Bank, National Association",OH,16803845.0,5500000.0,2016-02-12,2016,2019-11-13,240,541990,"All Other Professional, Scientific, and Technical Services",,SUFFOLK,NY,CORPORATION,Less than 4 years old but at least 3,EXEMPT,23,2039-11-13,84.0,156.0,2029-11-12,False,4108186.0,prepayment period ends later,https://data.sba.gov/dataset/7a-504-foia
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0188309,"FRUIT 330, LLC",Santa Clara,CA,CDC Small Business Finance Corp.,CA,Commercial Bank of California,CA,7219000.0,5500000.0,2016-03-24,2016,2019-05-15,240,541110,Offices of Lawyers,,SANTA CLARA,CA,CORPORATION,Less than 4 years old but at least 3,EXEMPT,75,2039-05-15,90.0,150.0,2029-05-14,False,3991157.0,prepayment period ends later,https://data.sba.gov/dataset/7a-504-foia
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0188355,Hilton Garden Inn-Hurst,Hurst,TX,North Texas Certified Development Corporation,TX,Gateway National Bank,TX,10382442.0,5448000.0,2015-10-30,2016,2019-04-17,240,721110,Hotels (except Casino Hotels) and Motels,Hilton Garden Inn,TARRANT,TX,CORPORATION,Unanswered,EXEMPT,85,2039-04-17,91.0,149.0,2029-04-16,False,3935356.0,prepayment period ends later,https://data.sba.gov/dataset/7a-504-foia
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0188245,Moxy Hotel Nashville,NASHVILLE,TN,Mid-Cumberland Area Development Corporation,TN,Planters Bank Inc,KY,22650000.0,4978000.0,2016-03-21,2016,2020-09-16,240,721110,Hotels (except Casino Hotels) and Motels,MARRIOTT HOTEL,DAVIDSON,TN,CORPORATION,Unanswered,EXEMPT,77,2040-09-16,74.0,166.0,2030-09-16,False,3892223.0,prepayment period ends later,https://data.sba.gov/dataset/7a-504-foia
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0188264,Brookhollow Hospitality LLC,HOUSTON,TX,Capital Certified Development Corporation,TX,Avana Capital,TX,8743600.0,5363000.0,2016-09-09,2016,2019-05-15,240,721110,Hotels (except Casino Hotels) and Motels,Holiday Inn/Holiday Inn & Suites/Holiday Inn Resort,HARRIS,TX,CORPORATION,Unanswered,EXEMPT,11,2039-05-15,90.0,150.0,2029-05-14,False,3891740.0,prepayment period ends later,https://data.sba.gov/dataset/7a-504-foia
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0188275,"Apsilon Management Aberdeen Village, LLC",Peachtree City,GA,Capital Partners Certified Development Company,GA,Metro City Bank,GA,8094850.0,5500000.0,2016-02-24,2016,2018-12-12,240,721110,Hotels (except Casino Hotels) and Motels,Crown Plaza Hotels & Resorts,FAYETTE,GA,CORPORATION,Less than 4 years old but at least 3,EXEMPT,150,2038-12-12,95.0,145.0,2028-12-11,False,3890065.0,prepayment period ends later,https://data.sba.gov/dataset/7a-504-foia
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0188355,Home 2 Suites Northpark,Dallas,TX,North Texas Certified Development Corporation,TX,City Bank,TX,8885000.0,5450000.0,2016-06-07,2016,2018-10-17,240,721110,Hotels (except Casino Hotels) and Motels,Home 2 Suites by Hilton,DALLAS,TX,PARTNERSHIP,Unanswered,EXEMPT,30,2038-10-17,97.0,143.0,2028-10-16,False,3817801.0,prepayment period ends later,https://data.sba.gov/dataset/7a-504-foia
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0188309,"Windsor Hospitality Group, LLC.",Windsor,CA,CDC Small Business Finance Corp.,CA,Western Alliance Bank,AZ,9812000.0,5495000.0,2014-06-05,2014,2018-05-16,240,721110,Hotels (except Casino Hotels) and Motels,HOLIDAY INN,SONOMA,CA,CORPORATION,Less than 4 years old but at least 3,EXEMPT,25,2038-05-16,102.0,138.0,2028-05-15,False,3745682.0,prepayment period ends later,https://data.sba.gov/dataset/7a-504-foia
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0188129,Nitehawk Cinema,Brooklyn,NY,Empire State Certified Development Corporation,NY,"OceanFirst Bank, National Association",NJ,17000000.0,5000000.0,2016-08-25,2016,2019-10-16,240,512131,Motion Picture Theaters (except Drive-Ins),,KINGS,NY,CORPORATION,Less than 4 years old but at least 3,EXEMPT,165,2039-10-16,85.0,155.0,2029-10-15,False,3718502.0,prepayment period ends later,https://data.sba.gov/dataset/7a-504-foia
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0188129,Hilton Garden Inn Corning Downtown,Corning,NY,Empire State Certified Development Corporation,NY,First Citizens Community Bank,PA,8600000.0,4992000.0,2014-11-20,2015,2019-10-16,240,721110,Hotels (except Casino Hotels) and Motels,Hilton Garden Inn,STEUBEN,NY,CORPORATION,Unanswered,EXEMPT,40,2039-10-16,85.0,155.0,2029-10-15,False,3712552.0,prepayment period ends later,https://data.sba.gov/dataset/7a-504-foia
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0188129,"Hampton Inn & Suites, Syracuse North",Syracuse,NY,Empire State Certified Development Corporation,NY,Watertown Savings Bank,NY,8100255.0,5500000.0,2016-03-31,2016,2018-02-14,240,721110,Hotels (except Casino Hotels) and Motels,HAMPTON INNS,ONONDAGA,NY,CORPORATION,Less than 4 years old but at least 3,EXEMPT,50,2038-02-14,105.0,135.0,2028-02-14,False,3686862.0,prepayment period ends later,https://data.sba.gov/dataset/7a-504-foia
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0188309,"California Coastal Resorts, LLC",Santa Cruz,CA,CDC Small Business Finance Corp.,CA,Live Oak Banking Company,NC,8000000.0,5500000.0,2014-09-25,2014,2017-11-15,240,721110,Hotels (except Casino Hotels) and Motels,Hyatt Place,SANTA CRUZ,CA,CORPORATION,Unanswered,EXEMPT,85,2037-11-15,108.0,132.0,2027-11-15,False,3623933.0,prepayment period ends later,https://data.sba.gov/dataset/7a-504-foia
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0188162,A.B. Hospitality Inc.,DOWNEY,CA,The Mortgage Capital Development Corporation,CA,American Lending Center LLC,CA,4500000.0,4823000.0,2015-08-25,2015,2019-12-11,240,721110,Hotels (except Casino Hotels) and Motels,Hampton Inn by Hilton,LOS ANGELES,CA,CORPORATION,,EXEMPT,15,2039-12-11,83.0,157.0,2029-12-10,False,3618091.0,prepayment period ends later,https://data.sba.gov/dataset/7a-504-foia
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0188130,Aanya Hospitality Inc,ORANGE PARK,FL,Florida Business Development Corporation,FL,"Newtek Small Business Finance, LLC",NY,10560000.0,4776000.0,2016-06-17,2016,2019-11-13,240,721110,Hotels (except Casino Hotels) and Motels,Hampton Inn by Hilton,CLAY,FL,CORPORATION,Less than 4 years old but at least 3,EXEMPT,20,2039-11-13,84.0,156.0,2029-11-12,False,3567400.0,prepayment period ends later,https://data.sba.gov/dataset/7a-504-foia
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| 19 |
+
0188110,"The Pointe Cinemas, LLC",Wilmington,NC,Business Expansion Funding Corporation,NC,Fifth Third Bank,OH,8561000.0,5493000.0,2016-02-12,2016,2017-08-16,240,512131,Motion Picture Theaters (except Drive-Ins),,NEW HANOVER,NC,CORPORATION,Less than 4 years old but at least 3,EXEMPT,25,2037-08-16,111.0,129.0,2027-08-16,False,3555765.0,prepayment period ends later,https://data.sba.gov/dataset/7a-504-foia
|
| 20 |
+
0484118,Goodlland Global Farm Inc,Los Angeles,CA,So Cal CDC,CA,"NBL, Inc. dba interimlender.com",CA,7627600.0,5450000.0,2016-08-25,2016,2017-08-16,240,424480,Fresh Fruit and Vegetable Merchant Wholesalers,,LOS ANGELES,CA,CORPORATION,Less than 4 years old but at least 3,EXEMPT,20,2037-08-16,111.0,129.0,2027-08-16,False,3527930.0,prepayment period ends later,https://data.sba.gov/dataset/7a-504-foia
|
| 21 |
+
0445196,"In the Park Chateau Caterers, LLC",East Brunswick,NJ,Trenton Business Assistance Corporation,NJ,"Citizens Bank, National Association",RI,10900000.0,5500000.0,2016-03-17,2016,2017-05-17,240,722320,Caterers,,MIDDLESEX,NJ,CORPORATION,Less than 4 years old but at least 3,EXEMPT,30,2037-05-17,114.0,126.0,2027-05-17,False,3495943.0,prepayment period ends later,https://data.sba.gov/dataset/7a-504-foia
|
| 22 |
+
0188129,"Davidson of Clay, Inc,",LIVERPOOL,NY,Empire State Certified Development Corporation,NY,"NBT Bank, National Association",NY,11818570.0,5500000.0,2015-06-11,2015,2017-04-12,240,441110,New Car Dealers,,ONONDAGA,NY,CORPORATION,Unanswered,EXEMPT,70,2037-04-12,115.0,125.0,2027-04-12,False,3470999.0,prepayment period ends later,https://data.sba.gov/dataset/7a-504-foia
|
| 23 |
+
0188130,"Impact Bartram, LLC",Jacksonville,FL,Florida Business Development Corporation,FL,Live Oak Banking Company,NC,8713000.0,5213000.0,2015-10-14,2016,2017-12-13,240,721110,Hotels (except Casino Hotels) and Motels,Residence Inn by Marriott,DUVAL,FL,CORPORATION,Unanswered,EXEMPT,50,2037-12-13,107.0,133.0,2027-12-13,False,3453253.0,prepayment period ends later,https://data.sba.gov/dataset/7a-504-foia
|
| 24 |
+
0188216,"La Flor De Salt Lake, Inc.",SALT LAKE CITY,UT,"Intermountain Business Lending, Inc.",UT,America First Federal Credit Union,UT,5386000.0,5125000.0,2015-10-08,2016,2018-02-14,240,311999,All Other Miscellaneous Food Manufacturing,,SALT LAKE,UT,CORPORATION,Less than 4 years old but at least 3,EXEMPT,27,2038-02-14,105.0,135.0,2028-02-14,False,3435485.0,prepayment period ends later,https://data.sba.gov/dataset/7a-504-foia
|
| 25 |
+
0613875,DECOR-WARE INTERNATIONAL INC.,Rancho Cucamonga,CA,SBA CLSC Servicing ,DC,Mechanics Bank,CA,7411096.0,5500000.0,2016-07-27,2016,2017-02-15,240,423990,Other Miscellaneous Durable Goods Merchant Wholesalers,,SAN BERNARDINO,CA,CORPORATION,Less than 4 years old but at least 3,EXEMPT,5,2037-02-15,117.0,123.0,2027-02-15,False,3430866.0,prepayment period ends later,https://data.sba.gov/dataset/7a-504-foia
|
| 26 |
+
0188355,"TIOBI, L.L.C.",Humble,TX,North Texas Certified Development Corporation,TX,"Zions Bancorporation, National Association",UT,10696839.13,5500000.0,2014-10-01,2015,2016-11-16,240,321920,Wood Container and Pallet Manufacturing,,HARRIS,TX,CORPORATION,Less than 4 years old but at least 3,EXEMPT,55,2036-11-16,120.0,120.0,2026-11-16,False,3365056.0,prepayment period ends later,https://data.sba.gov/dataset/7a-504-foia
|
summary_by_project_state.csv
ADDED
|
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|
| 1 |
+
Project state,rows,Est. remaining balance (USD)
|
| 2 |
+
CA,1829,738948783
|
| 3 |
+
FL,731,217694754
|
| 4 |
+
IL,723,229089002
|
| 5 |
+
TX,583,286786872
|
| 6 |
+
NY,521,218729092
|
| 7 |
+
MN,502,149066122
|
| 8 |
+
MA,493,126647876
|
| 9 |
+
UT,427,120097054
|
| 10 |
+
OH,389,102166401
|
| 11 |
+
MI,356,82541225
|
| 12 |
+
IN,328,82608858
|
| 13 |
+
CO,310,100737938
|
| 14 |
+
GA,306,116650382
|
| 15 |
+
WI,294,111203922
|
| 16 |
+
VA,260,80871551
|
| 17 |
+
WA,225,86817847
|
| 18 |
+
MO,225,67727930
|
| 19 |
+
PR,220,39833625
|
| 20 |
+
PA,206,89798341
|
| 21 |
+
NH,184,33035117
|
| 22 |
+
NC,163,49749629
|
| 23 |
+
NJ,158,67017050
|
| 24 |
+
AL,147,43627056
|
| 25 |
+
NV,146,41456396
|
| 26 |
+
CT,146,46624859
|
| 27 |
+
IA,141,47397455
|
| 28 |
+
AZ,138,41059163
|
| 29 |
+
ID,133,29327844
|
| 30 |
+
MD,121,55021698
|
| 31 |
+
OR,120,41558070
|
| 32 |
+
RI,111,27483851
|
| 33 |
+
NE,92,34802618
|
| 34 |
+
OK,91,26583074
|
| 35 |
+
HI,90,26378948
|
| 36 |
+
ME,86,21173439
|
| 37 |
+
ND,84,34113904
|
| 38 |
+
KS,83,30959195
|
| 39 |
+
SD,83,29331935
|
| 40 |
+
NM,68,23106066
|
| 41 |
+
KY,67,19799917
|
| 42 |
+
MT,56,16927836
|
| 43 |
+
SC,53,19020380
|
| 44 |
+
LA,46,17433988
|
| 45 |
+
AK,37,13860359
|
| 46 |
+
TN,36,16960952
|
| 47 |
+
VT,27,7772585
|
| 48 |
+
AR,21,5811739
|
| 49 |
+
DE,18,6842321
|
| 50 |
+
DC,14,5109106
|
| 51 |
+
WY,11,2986518
|
| 52 |
+
MS,7,3133961
|
| 53 |
+
GU,7,3231268
|
| 54 |
+
WV,6,1735879
|
| 55 |
+
TOTAL,11719,3938451751
|