Methodology

Source: the SBA FOIA 7(a) and 504 funded-loan datasets from data.sba.gov. The current build covers 490,325 loans and was generated 2026-06-20.

What the figures mean

These are funded loans, not applications, so there is no approval-rate figure here. For each lender we report total volume, loan count, average loan size, and charge-off rate.

Charge-off rate

The charge-off rate is the count of a lender's loans with status CHGOFF divided by all of its loans in the dataset. Because the denominator includes recently disbursed loans whose outcome is not yet known, this understates the eventual rate for fast-growing recent lenders and is not a lifetime default rate. Read it as a relative track-record signal, not a prediction. On lender pages we color it green below 5 percent, neutral through 12 percent, and red above.

Industries

Industry groups are the first two digits of the loan's NAICS code (the NAICS sector).