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SBA 7A Loan Public Data
Finance & Banking Analytics
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About
Provides nearly three decades of publicly accessible financing information regarding the US Small Business Administration (SBA). This resource details the 7A loan programme, which represents the most frequently utilised government-backed facility for small enterprises. The funds detailed here are commonly applied to essential purposes such as securing working capital, refinancing existing debt, and funding capital expenditure (capex) projects. The data covers all publicly-available records spanning from 1991 through to the end of 2022.
Columns
The dataset contains key fields related to the loan status, programme type, and participants involved:
- AsOfDate: Specifies the date as of which the loan's status was recorded.
- Program: Identifies the specific loan programme, primarily documenting the 7A programme.
- BorrName: The registered name of the borrower business.
- BorrStreet, BorrCity, BorrState, BorrZip: Detailed geographical identifiers for the borrower’s location.
- BankName: The name of the funding financial institution (e.g., Wells Fargo Bank, Bank of America).
- BankFDICNumber: The Federal Deposit Insurance Corporation (FDIC) identification number for the funding bank.
- BankNCUANumber: The National Credit Union Administration (NCUA) number, used when a credit union provided the funding.
Distribution
The entire collection is distributed across three separate CSV files. The temporal range covers data from 1991 up to 31 December 2022. A sample file measures approximately 102.41 MB and includes over 337,000 distinct loan status records.
Usage
This resource is highly valuable for researchers performing quantitative analysis of small business lending trends in the US. Ideal applications include financial modelling, investigating the impact of government lending on regional economic development, and studying long-term credit risk characteristics of SME (Small and Medium-sized Enterprise) borrowers.
Coverage
The scope is entirely focused on the United States. The dataset documents loans originated and tracked over a thirty-two-year period, beginning in 1991 and concluding at year-end 2022. It offers high geographical specificity, detailing the borrower’s location down to the state and ZIP code.
License
CC0: Public Domain
Who Can Use It
- Financial Analysts: To assess market share among lenders (like Wells Fargo) and evaluate historical lending benchmarks.
- Economists: To study government intervention and capital flow within the US small business economy.
- Academic Researchers: To conduct geographical studies on capital availability and business formation.
- Data Scientists: To train predictive models related to loan performance or identify patterns in borrower characteristics.
Dataset Name Suggestions
- SBA 7A Loan Public Data
- US Small Business Finance Records 1991–2022
- Historical 7A Loan Programme Data
- US Small Business Administration Lending Archive
Attributes
Original Data Source: SBA 7A Loan Public Data
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