
The State of Small Business Funding in 2026: What the Data Actually Says About Getting Approved
Aggregated underwriting data on approval rates, default rates, bank statement red flags, and how deals get structured by file profile.
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Aggregated underwriting data on approval rates, default rates, bank statement red flags, and how deals get structured by file profile.
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We analyzed 400,000+ SBA 7(a) and 504 loans from FY2020 to FY2025: volume up 72%, median size compressed to $200K, and charge-offs falling. Full data inside.
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