Average funded ratio of 82% across all tiers means borrowers should ask for ~22% more than minimum need.

Underwriting · Updated Q1 2026

Average Funded Loan Size by Request Tier (2026)

Borrowers consistently over- or under-request relative to what their cash flow supports. This index shows the median funded amount by request tier, useful for calibrating your initial application.

The data

What borrowers actually receive vs what they request, broken down by loan size tier.

Requested	Median funded	Funded ratio
$25K – $50K	$42K	92%
$50K – $100K	$78K	88%
$100K – $250K	$182K	86%
$250K – $500K	$385K	84%
$500K – $1M	$720K	82%
$1M – $2.5M	$1.65M	78%
$2.5M – $5M	$3.4M	74%

Methodology

Median funded amount vs initial request, sampled from Inflection Financing-approved applications across SBA 7(a), term, and working capital.

Key takeaways

→Smaller requests fund closer to ask because DSCR is rarely the constraint — collateral and TIB drive cuts at higher tiers.
→Average funded ratio of 82% across all tiers means borrowers should ask for ~22% more than minimum need.
→DSCR coverage is the #1 reason for downward sizing on requests above $500K.

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<blockquote cite="https://inflectionfinancing.com/data/average-loan-size-by-amount-2026"><p><strong>Smaller requests fund closer to ask because DSCR is rarely the constraint — collateral and TIB drive cuts at higher tiers.</strong></p><footer>Source: <a href="https://inflectionfinancing.com/data/average-loan-size-by-amount-2026">Inflection Financing — Average Funded Loan Size by Request Tier (2026)</a></footer></blockquote>

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Citation: Inflection Financing Commercial Lending Data, "Average Funded Loan Size by Request Tier (2026)" (Q1 2026). Available at inflectionfinancing.com/data/average-loan-size-by-amount-2026.

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