The Raw Data Problem
SBA publishes FOIA data, but it was never designed for analytics
Exceeds Excel's Row Limit
The 7(a) dataset alone contains over 1.2 million records. A single CSV exceeds Excel's 1,048,576 row limit, locking out most analysts before they start.
Scattered Across Decades
Data is published in multiple files split by decade and program. Field names, formats, and categories shift between files with no unified schema.
Fields Per Record
Each loan carries 30-50 raw fields with inconsistent encoding, mixed date formats, and NAICS codes that require crosswalking to meaningful industry names.
What LoanTape Adds
We turn fragmented government files into a unified analytics platform
Normalized Across Decades
Consistent field names, standardized date formats, and clean NAICS mappings from FY1991 through the latest release. One schema, every year.
Cohort Analytics
Approval-year vintage analysis, chargeoff curves, and aging performance tracked by origination cohort so you can compare lending eras.
NAICS Industry Analysis
Default rates, approval volumes, and chargeoff severity broken down by 2-digit NAICS sector. See which industries carry the most risk and where lenders concentrate.
Lender Rankings
Volume, chargeoff rates, and geographic reach for every SBA lender. Identify the largest players and the best performers by state and industry.
Geographic Patterns
State-level and county-level lending concentration, approval trends, and chargeoff rates mapped across the country.
Cross-Market Signals
SBA lending data paired with auto ABS performance. When small business credit deteriorates in a geography, consumer auto defaults often follow.
Two Programs, One Platform
Deep coverage of both major SBA lending programs
SBA 7(a) Loan Data
The SBA's primary and largest lending program. General-purpose business loans up to $5M covering working capital, equipment, real estate, and debt refinancing. Roughly 50,000-60,000 loans approved per year in recent fiscal years, totaling approximately $31 billion in FY2024. Guaranteed portions are pooled and sold on the secondary market.
Explore 7(a) DataSBA 504/CDC Loan Data
Long-term, fixed-rate financing for major capital expenditures like commercial real estate and heavy equipment. Structured as a three-party deal: a Certified Development Company (CDC) provides the SBA-backed portion, a third-party lender covers the senior debt, and the borrower contributes equity. Lower down payments and below-market fixed rates.
Explore 504 DataGet Access to SBA Loan Data
Normalized data, cohort analytics, and cross-market signals — ready for your models