Name: US SBA 7(a) small-business lending pulse (quarterly)
Creator: U.S. Small Business Administration
License: https://data.sba.gov/dataset/7a-504-foia
Keywords: finance, credit, us, quarterly, signals, economy, sba

Quarterly US small-business credit-health intelligence from the SBA 7(a) FOIA loan file (keyless data.sba.gov CSV, approvals 2019-10-01 -> 2026-06-30, data as of 2026-06-30, U.S. federal public domain). Per (quarter, borrower state): net credit extended (loan count, approval volume, SBA-guaranteed volume, average loan/term/rate, jobs supported), vintage charge-off rate and loss rate with a 12-quarter seasoning flag, volume/count year-over-year momentum, an 8-quarter volume z-score, a documented 0-100 lending-health composite with per-quarter state ranks, expansion/contraction/stress flags, and top NAICS-2 sector concentration. Who joins this: a subscription business joins quarterly SMB-customer churn or expansion revenue to (quarter, state_code) to model how small-business credit availability moves its revenue; a sales team joins by state_code to prioritize territories where SMB lending is expanding or under stress. Caveat: the most recent quarter in any vintage can be incomplete (SBA posts data about a month after quarter-end), so contraction flags on the latest quarter deserve a second look. Source: U.S. Small Business Administration.

Source: U.S. Small Business Administration
Rows: 1,447
Columns: 34
Source cadence: Quarterly
Last refreshed: Sep 29, 2026
Theme: finance

Column	Type	Description
quarter	string	Calendar quarter of loan approval: first day of the quarter, ISO date. Primary join key with state_code. (unit: ISO date (quarter start))
country_code	string	ISO alpha-3 country code (USA for every row). (unit: ISO 3166-1 alpha-3)
state_code	string	Borrower state, 2-letter USPS code (50 states + DC, GU, PR, VI). Primary join key with quarter. (unit: code)
state_label	string	Human-readable state/territory name.
loan_count	integer	Net loans approved in the quarter: real credit exposure only (statuses EXEMPT/active, PIF/paid in full, CHGOFF/charged off). Cancelled and undisbursed-commit approvals are excluded. (unit: count)
cancelled_count	integer	Approvals cancelled before disbursement (CANCLD); reported separately, excluded from volume. (unit: count)
committed_count	integer	Approved but undisbursed commitments (COMMIT); reported separately, excluded from volume. (unit: count)
approval_volume_usd	float	Sum of GrossApproval over net loans in the quarter: credit actually extended. (unit: USD)
sba_guaranteed_usd	float	Sum of SBAGuaranteedApproval over net loans: the SBA-guaranteed portion of the quarter's credit. (unit: USD)
guarantee_share_pct	float	SBA-guaranteed share of the quarter's volume, percent. (unit: percent)
avg_loan_usd	float	Mean GrossApproval over net loans in the quarter. (unit: USD)
avg_term_months	float	Mean TermInMonths over net loans in the quarter. (unit: months)
avg_interest_rate_pct	float	Mean InitialInterestRate over net loans in the quarter. (unit: percent)
jobs_supported	float	Sum of JobsSupported reported on net loans in the quarter. (unit: count)
active_share_pct	float	Share of net loans still active (EXEMPT), percent. (unit: percent)
paid_in_full_share_pct	float	Share of net loans paid in full (PIF), percent. (unit: percent)
chargeoff_count	integer	Net loans in the approval cohort currently charged off (CHGOFF). (unit: count)
chargeoff_rate	float	Vintage charge-off rate: CHGOFF / (EXEMPT + PIF + CHGOFF) for the approval quarter. Trustworthy only where seasoned_flag = 1. (unit: rate)
chargeoff_loss_rate	float	Vintage loss rate: sum(GrossChargeOffAmount) / sum(GrossApproval) for the cohort. (unit: rate)
seasoned_flag	integer	1 when the approval quarter is at least 12 quarters before the file's AsOfDate: the vintage has had time to default, so its charge-off rate is meaningful. (unit: binary)
volume_yoy_pct	float	Year-over-year percent change in approval volume vs the same quarter one year earlier. Null for the first 4 quarters (warm-up) and when the base is zero. (unit: percent)
count_yoy_pct	float	Year-over-year percent change in loan count vs the same quarter one year earlier. Null for the first 4 quarters (warm-up) and when the base is zero. (unit: percent)
volume_8q_z	float	Z-score of the quarter's approval volume against the trailing 8 quarters (exclusive). Null until 8 quarters of history exist. (unit: z-score)
loss_rate_for_score	float	Loss rate entering the health score: the cohort's own chargeoff_rate when seasoned, else the state's most recent seasoned vintage rate carried forward. (unit: rate)
loss_component_estimated	integer	1 when loss_rate_for_score is carried forward from an older seasoned vintage (unseasoned cohort). (unit: binary)
lending_health_score	float	Documented 0-100 composite: 100 * (0.45 * min-max of volume_yoy_pct clipped to [-50, +50] + 0.30 * min-max of count_yoy_pct clipped to [-50, +50] + 0.25 * (1 - min-max of loss_rate_for_score clipped to [0, 0.20])). High = credit expanding with low vintage losses. Null until YoY history exists. (unit: 0-100 score)
health_rank	integer	Per-quarter dense rank of lending_health_score across states, 1 = healthiest. (unit: rank)
expansion_flag	integer	1 when volume_yoy_pct exceeds +15 (credit expanding). (unit: binary)
contraction_flag	integer	1 when volume_yoy_pct is below -15 (credit contracting). (unit: binary)
stress_flag	integer	1 when the vintage is seasoned and chargeoff_rate exceeds 0.10 (elevated credit losses). (unit: binary)
top_sector_naics2	string	2-digit NAICS code with the largest share of the cohort's approval volume. Null where no NAICS code is present. (unit: code)
top_sector_volume_share	float	Share of the cohort's approval volume in top_sector_naics2. (unit: rate)
as_of	string	The FOIA file's AsOfDate (YYYY-MM-DD); identical across rows and across runs on the same vintage. (unit: ISO date)
row_hash	string	Deterministic 16-hex row id: sha256('SBA7A\|<state_code>\|<quarter>'). (unit: hash)

First 10 sample rows — a preview, not the complete dataset.

quarter	country_code	state_code	state_label	loan_count	cancelled_count	committed_count	approval_volume_usd	sba_guaranteed_usd	guarantee_share_pct	avg_loan_usd	avg_term_months	avg_interest_rate_pct	jobs_supported	active_share_pct	paid_in_full_share_pct	chargeoff_count	chargeoff_rate	chargeoff_loss_rate	seasoned_flag	volume_yoy_pct	count_yoy_pct	volume_8q_z	loss_rate_for_score	lending_health_score	health_rank	expansion_flag	contraction_flag	stress_flag	top_sector_naics2	top_sector_volume_share	as_of	row_hash
2019-10-01	USA	AK	Alaska	23	1	0	11,207,300	8,307,100	74.12	487,274	141.13	8.12	377	56.52	43.48	0	0	0	1	—	—	—	0	—	—	—	—	0	44	0.26	2026-06-30	03587bff5f47fac0
2019-10-01	USA	AL	Alabama	81	9	0	42,364,800	32,484,960	76.68	523,022	131.14	7.38	839	38.27	48.15	11	0.136	0.096	1	—	—	—	0.136	—	—	—	—	1	81	0.21	2026-06-30	f187996d477e66dd
2019-10-01	USA	AR	Arkansas	64	10	0	19,766,800	14,395,005	72.82	308,856	119.2	6.8	344	26.56	70.31	2	0.031	0.012	1	—	—	—	0.031	—	—	—	—	0	72	0.29	2026-06-30	c23e880f752fd23f
2019-10-01	USA	AZ	Arizona	210	31	0	114,624,000	85,198,390	74.33	545,829	152.31	7.39	2,104	36.67	60	7	0.033	0.009	1	—	—	—	0.033	—	—	—	—	0	62	0.17	2026-06-30	d2d4d3a1b0a33204
2019-10-01	USA	CA	California	1,325	209	0	731,074,900	538,902,315	73.71	551,755	145.1	7.29	13,877	39.77	55.47	63	0.048	0.012	1	—	—	—	0.048	—	—	—	—	0	72	0.23	2026-06-30	f1baea1539322e39
2019-10-01	USA	CO	Colorado	266	24	0	170,481,100	126,253,205	74.06	640,906	147.1	7.12	3,058	38.35	57.89	10	0.038	0.011	1	—	—	—	0.038	—	—	—	—	0	72	0.24	2026-06-30	e89b24a7cb43ed35
2019-10-01	USA	CT	Connecticut	122	19	1	30,620,500	21,325,305	69.64	250,988	126.49	7.52	918	32.79	62.3	6	0.049	0.013	1	—	—	—	0.049	—	—	—	—	0	81	0.16	2026-06-30	b8acffa627eb25cf
2019-10-01	USA	DC	District of Columbia	31	5	0	8,990,500	6,443,925	71.67	290,016	122	7.9	226	38.71	58.06	1	0.032	0.054	1	—	—	—	0.032	—	—	—	—	0	72	0.28	2026-06-30	1a16b3eb88e59179
2019-10-01	USA	DE	Delaware	33	3	0	12,432,600	9,100,025	73.19	376,745	124.82	9.09	140	36.36	63.64	0	0	0	1	—	—	—	0	—	—	—	—	0	45	0.38	2026-06-30	d0092d12bc2efb03
2019-10-01	USA	FL	Florida	680	78	0	359,714,000	267,688,615	74.42	528,991	139.63	7.85	6,649	39.12	52.79	55	0.081	0.02	1	—	—	—	0.081	—	—	—	—	0	72	0.14	2026-06-30	481acdf26abaf690

Sep 29, 2026Current
20260929T143608Z-8b97cee30f7d · sha256 8b97cee30f7d…
1,447 rows · first snapshot

Point any LLM at the metadata endpoint — the documentation above is machine-readable too (JSON-LD + Croissant).

cURL

curl "https://datazimuts.com/v1/datasets/sba_lending_pulse/us_sba_7a_lending_pulse_quarterly" | jq '{title, rows, columns_count, license}'

Python

import requests

ds = requests.get("https://datazimuts.com/v1/datasets/sba_lending_pulse/us_sba_7a_lending_pulse_quarterly").json()
print(ds["title"], ds["rows"], "rows")

# Sample rows for an LLM context window
for row in ds.get("sample_rows", [])[:5]:
    print(row)

API endpoint: https://datazimuts.com/v1/datasets/sba_lending_pulse/us_sba_7a_lending_pulse_quarterly

Tip: fetch /llms.txt for the full machine-readable catalog.

Where this data comes from and what was made from it. Other people's work shows as counts; only shared projects are named.

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Pinned to snapshot 20260929T143608Z-8b97cee30f7d and its content hash, so readers get exactly the data you used.

APA

U.S. Small Business Administration. (2026). US SBA 7(a) small-business lending pulse (quarterly) [Data set, snapshot 20260929T143608Z-8b97cee30f7d, sha256 8b97cee30f7d]. Datazimuts. Retrieved 2026-09-30, from https://datazimuts.com/en/datasets/sba_lending_pulse/us_sba_7a_lending_pulse_quarterly?snapshot=20260929T143608Z-8b97cee30f7d

BibTeX

@misc{dz_sba_lending_pulse_us_sba_7a_lending_puls_8b97cee3,
  title        = {{US SBA 7(a) small-business lending pulse (quarterly)}},
  author       = {{U.S. Small Business Administration}},
  year         = {2026},
  publisher    = {Datazimuts},
  howpublished = {\url{https://datazimuts.com/en/datasets/sba_lending_pulse/us_sba_7a_lending_pulse_quarterly?snapshot=20260929T143608Z-8b97cee30f7d}},
  note         = {Snapshot 20260929T143608Z-8b97cee30f7d, sha256 8b97cee30f7dd259a5debd62fb6483d93c6477172e15949c57cd9443e7a8cb8d; accessed 2026-09-30}
}

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