2026 Commercial Lending Data
Quarterly approval, cost, and industry indices compiled from in-house underwriting. Cite freely.
SBA 7(a) Approval Rates by State — 2026 Index
Approval rates and median loan sizes for SBA 7(a) applications across all 50 states, ranked.
MCA Cost Index — Effective APR by Provider Tier (2026)
Benchmark factor rates and effective APRs across the merchant cash advance market.
Loan Approval Index by Industry — 2026
Approval rates by NAICS sector across SBA, term, and bridge product lines.
Average Funded Loan Size by Request Tier (2026)
What borrowers actually receive vs what they request, broken down by loan size tier.
SBA 7(a) vs MCA: $250K Capital Cost Over 5 Years
Side-by-side total dollars paid for the same $250K of working capital across financing options.
Business Loan Funding Time Benchmarks — 2026
Median days from application to funded wire across every major commercial loan product.
Business Loan Denial Reasons — 2026 Index
The actual reasons commercial loan applications are declined, ranked by frequency.
State of SBA Lending — 2026 Annual Report
Aggregate 7(a) and 504 origination volume, average loan size, and approval velocity across FY2025.
SBA 7(a) Acquisition Multiples by Industry (2026)
The purchase-price multiples SBA 7(a) will actually underwrite, by industry.
Small Business Cost of Capital Index — Q1 2026
Current all-in APR ranges across every major commercial capital source, refreshed quarterly.
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