{
  "slug": "us-smb-finance",
  "name": "US SMB Finance & Lending",
  "updated": "2026-10-05",
  "page": "https://godofstartups.com/atlas/markets/us-smb-finance",
  "license": "https://creativecommons.org/licenses/by/4.0/",
  "facts": [
    {
      "metric": "Small employer firms that operated at a profit in prior 12 months, annual revenues under $1M",
      "value": "38",
      "unit": "percent",
      "geo": "US",
      "period": "2025",
      "tier": 1,
      "status": "ready",
      "url": "https://fred.stlouisfed.org/series/SBCSS7B3V1FRB"
    },
    {
      "metric": "Small employer firms reporting poor or fair financial condition, White",
      "value": "52",
      "unit": "percent",
      "geo": "US",
      "period": "2025",
      "tier": 1,
      "status": "ready",
      "url": "https://fred.stlouisfed.org/series/SBCSS4B1V1FRB"
    },
    {
      "metric": "Small employer firms that experienced at least one financial challenge in prior 12 months, 5-9 employees",
      "value": "95",
      "unit": "percent",
      "geo": "US",
      "period": "2025",
      "tier": 1,
      "status": "ready",
      "url": "https://fred.stlouisfed.org/series/SBCSS10B2V2FRB"
    },
    {
      "metric": "Small employer firms that used the owner's personal funds in response to financial challenges, White",
      "value": "51",
      "unit": "percent",
      "geo": "US",
      "period": "2025",
      "tier": 1,
      "status": "ready",
      "url": "https://fred.stlouisfed.org/series/SBCSS1B2V3FRB"
    },
    {
      "metric": "Small employer firms that increased employment in prior 12 months, annual revenues under $1M",
      "value": "27",
      "unit": "percent",
      "geo": "US",
      "period": "2025",
      "tier": 1,
      "status": "ready",
      "url": "https://fred.stlouisfed.org/series/SBCSS5B3V1FRB"
    },
    {
      "metric": "Small employer firms that applied for new financing, annual revenues under $1M",
      "value": "37",
      "unit": "percent",
      "geo": "US",
      "period": "2025",
      "tier": 1,
      "status": "ready",
      "url": "https://fred.stlouisfed.org/series/SBCSS2B3V1FRB"
    },
    {
      "metric": "Small employer firms expecting revenues to increase in next 12 months, 50-499 employees",
      "value": "66",
      "unit": "percent",
      "geo": "US",
      "period": "2025",
      "tier": 1,
      "status": "ready",
      "url": "https://fred.stlouisfed.org/series/SBCSS9B2V5FRB"
    },
    {
      "metric": "Small employer firms approved for at least some new financing applied for, 1-4 employees",
      "value": "47",
      "unit": "percent",
      "geo": "US",
      "period": "2025",
      "tier": 1,
      "status": "ready",
      "url": "https://fred.stlouisfed.org/series/SBCSS3B2V1FRB"
    },
    {
      "metric": "Small employer firms holding outstanding business debt, annual revenues under $1M",
      "value": "71",
      "unit": "percent",
      "geo": "US",
      "period": "2024",
      "tier": 1,
      "status": "ready",
      "url": "https://fred.stlouisfed.org/series/SBCSS11B3V1FRB"
    },
    {
      "metric": "Average distance of a bank's small business lending market from its branch locations",
      "value": "40",
      "unit": "miles",
      "geo": "US",
      "period": "2022",
      "tier": 1,
      "status": "ready",
      "url": "https://www.fdic.gov/publications/small-business-lending-survey-2024-executive-summary"
    },
    {
      "metric": "Banks using FinTech to identify potential small business borrowers",
      "value": "4",
      "unit": "percent",
      "geo": "US",
      "period": "2022",
      "tier": 1,
      "status": "ready",
      "url": "https://www.fdic.gov/publications/small-business-lending-survey-2024-section-4-fintech"
    },
    {
      "metric": "Large banks using FinTech in five or more steps of the small business loan process",
      "value": "23",
      "unit": "percent",
      "geo": "US",
      "period": "2022",
      "tier": 1,
      "status": "ready",
      "url": "https://www.fdic.gov/publications/small-business-lending-survey-2024-section-4-fintech"
    },
    {
      "metric": "Banks using FinTech in their small business lending process",
      "value": "31",
      "unit": "percent",
      "geo": "US",
      "period": "2022",
      "tier": 1,
      "status": "ready",
      "url": "https://www.fdic.gov/publications/small-business-lending-survey-2024-section-4-fintech"
    },
    {
      "metric": "Small banks using FinTech in small business lending",
      "value": "30",
      "unit": "percent",
      "geo": "US",
      "period": "2022",
      "tier": 1,
      "status": "ready",
      "url": "https://www.fdic.gov/publications/small-business-lending-survey-2024-section-4-fintech"
    },
    {
      "metric": "Banks using FinTech for regulatory compliance in small business lending",
      "value": "21",
      "unit": "percent",
      "geo": "US",
      "period": "2022",
      "tier": 1,
      "status": "ready",
      "url": "https://www.fdic.gov/publications/small-business-lending-survey-2024-section-4-fintech"
    },
    {
      "metric": "Maximum small business loan size that at least half of banks will make",
      "value": "3",
      "unit": "USD million",
      "geo": "US",
      "period": "2022",
      "tier": 1,
      "status": "ready",
      "url": "https://www.fdic.gov/publications/small-business-lending-survey-2024-executive-summary"
    },
    {
      "metric": "Banks discussing or developing FinTech for small business lending",
      "value": "22",
      "unit": "percent",
      "geo": "US",
      "period": "2022",
      "tier": 1,
      "status": "ready",
      "url": "https://www.fdic.gov/publications/small-business-lending-survey-2024-section-4-fintech"
    },
    {
      "metric": "Employer firms using a bank as their primary financial services provider",
      "value": "84",
      "unit": "percent",
      "geo": "US",
      "period": "2021",
      "tier": 1,
      "status": "ready",
      "url": "https://www.federalreserve.gov/publications/2022-october-availability-of-credit-to-small-businesses-accessible.htm"
    },
    {
      "metric": "Employer firms that applied for financing, excluding pandemic-related assistance",
      "value": "34",
      "unit": "percent",
      "geo": "US",
      "period": "2021",
      "tier": 1,
      "status": "ready",
      "url": "https://www.federalreserve.gov/publications/2022-october-availability-of-credit-to-small-businesses.htm"
    },
    {
      "metric": "Employer firms that received all the financing they applied for",
      "value": "31",
      "unit": "percent",
      "geo": "US",
      "period": "2021",
      "tier": 1,
      "status": "ready",
      "url": "https://www.federalreserve.gov/publications/2022-october-availability-of-credit-to-small-businesses-accessible.htm"
    }
  ],
  "note": "status: ready = two or more independent sources or an official series; proxy = one source; context = macro background, not a validation figure."
}