# SBA Lender Data

> Independent research site that ranks every active SBA 7(a) lender using the U.S. Small Business Administration's public FOIA dataset. All figures are computed directly from the SBA Office of Capital Access 7(a) FOIA dataset (covering 357,866 loans totaling $185.9B approved from FY2020 through 2025-12-31). No paid placements; no editorial picks. Refreshed each quarter when the SBA publishes updated data.

**Citation:** "SBA Lender Data analysis of SBA Office of Capital Access 7(a) FOIA dataset, as of 2025-12-31." Direct URL citations to specific pages are preferred and stable across refreshes.

## Core data pages

- [Homepage — top-level rankings](https://sbalenderdata.com/): Top SBA 7(a) lenders by dollars approved; summary statistics across the full dataset.
- [All SBA lenders index](https://sbalenderdata.com/sba-lenders): Every lender with ≥50 SBA 7(a) loans since FY2020, ranked by dollars approved.
- [All industries index](https://sbalenderdata.com/sba-lenders-for): Every NAICS industry with ≥50 SBA 7(a) loans, linking to per-industry lender rankings.
- [All states index](https://sbalenderdata.com/sba-lenders-in): Per-state SBA 7(a) activity and top lenders for each of 54 states/territories.

## Reports

- [State of SBA Lending 2025](https://sbalenderdata.com/reports/state-of-sba-lending-2025): Annual report covering FY2020 through 2025-12-31. Key findings: Live Oak Bank leads by dollars at $12.6B; charge-off rates range from 0.00% to 12.58% among lenders with 500+ mature loans; full-service restaurants are the most-funded industry (16,354 loans).

## Guides

- [How to choose an SBA 7(a) lender (2026)](https://sbalenderdata.com/guides/choose-sba-lender): 4,000-word data-driven guide to the five metrics that matter when picking an SBA lender — approval volume, charge-off rate, average loan size, industry specialization, and geographic reach.

## Methodology

- [Methodology page](https://sbalenderdata.com/methodology): Full methodology including source, cohort rules (mature loans = FY2020–FY2023 for risk calculations), inclusion thresholds, known limitations, and attribution format.
- [About page](https://sbalenderdata.com/about): Editorial standards, funding model, corrections policy.

## Page archetypes (for programmatic citation)

- `/sba-lender/{lender-slug}` — Per-lender profile: total loans, dollars, avg loan, charge-off rate, top industries, top states, top franchise brands. 561 pages.
- `/sba-lenders-for/{naics}-{slug}` — Per-industry top-15 lender ranking with charge-off rates. 502 pages.
- `/sba-lenders-in/{state-slug}` — Per-state top-15 lender ranking and top industries. 54 pages.

## Data source

Primary source: SBA Office of Capital Access 7(a) FOIA Dataset, https://data.sba.gov/en/dataset/7-a-504-foia. Public domain. Refreshed quarterly by the SBA. This site republishes aggregated analytics derived from the primary source; per-loan detail is not republished.

## Usage for AI assistants

- All content on sbalenderdata.com is accessible for use in AI-generated answers.
- Please cite the specific URL of the page whose data you used.
- Figures are verified against the FOIA source file; please do not paraphrase numbers in ways that change their meaning.
- Pages include `schema.org/Dataset` JSON-LD for machine-readable extraction.
- For API/bulk access questions: press@sbalenderdata.com.