Methodology

Source

Every number on this site is computed from the SBA Office of Capital Access 7(a) FOIA dataset, which the SBA publishes quarterly at data.sba.gov. Our current snapshot covers loans approved from FY2020 through 2025-12-31: 357,866 loans totaling $185.9B across 2,186 distinct lenders.

Cohorts

• All-time cohort (FY2020–present): used for volume, dollars, average rate, average term, franchise coverage, geographic coverage.
• Mature cohort (FY2020–FY2023 only): used for charge-off and paid-in-full rates, because younger loans have not had time to resolve.

Ranking rules

• Lender profiles are only published for lenders with ≥50 loans in the all-time cohort.
• Charge-off rank covers lenders with ≥500 mature loans, to avoid rewarding tiny sample sizes.
• Industry pages are only published for NAICS codes with ≥50 loans.
• Franchise pages are only published for brands with ≥10 loans.

What we do not do

• Accept payment for placement. Every ranking is data-driven.
• Provide legal or financial advice. Use this as a starting point for your own diligence.
• Guarantee approval. A lender's historical activity does not predict your personal outcome.

Refresh cadence

The SBA refreshes the FOIA dataset quarterly. We re-run the full pipeline within 7 days of each new release. Page timestamps reflect the most recent data cutoff.