US SMB Finance & Lending
20 verified facts tracked for this market — each with its source, reporting period and evidence tier. Tier 1 = primary institutions (central banks, statistical offices); tier 2 = disclosed industry panels.
| Metric | Value | Geo | Period | Tier | Source |
|---|---|---|---|---|---|
| Small employer firms that operated at a profit in prior 12 months, annual revenues under $1M | 38percent | US | 2025 | T1 | fred.stlouisfed.org |
| Small employer firms reporting poor or fair financial condition, White | 52percent | US | 2025 | T1 | fred.stlouisfed.org |
| Small employer firms that experienced at least one financial challenge in prior 12 months, 5-9 employees | 95percent | US | 2025 | T1 | fred.stlouisfed.org |
| Small employer firms that used the owner's personal funds in response to financial challenges, White | 51percent | US | 2025 | T1 | fred.stlouisfed.org |
| Small employer firms that increased employment in prior 12 months, annual revenues under $1M | 27percent | US | 2025 | T1 | fred.stlouisfed.org |
| Small employer firms that applied for new financing, annual revenues under $1M | 37percent | US | 2025 | T1 | fred.stlouisfed.org |
| Small employer firms expecting revenues to increase in next 12 months, 50-499 employees | 66percent | US | 2025 | T1 | fred.stlouisfed.org |
| Small employer firms approved for at least some new financing applied for, 1-4 employees | 47percent | US | 2025 | T1 | fred.stlouisfed.org |
| Small employer firms holding outstanding business debt, annual revenues under $1M | 71percent | US | 2024 | T1 | fred.stlouisfed.org |
| Average distance of a bank's small business lending market from its branch locations | 40miles | US | 2022 | T1 | fdic.gov |
| Banks using FinTech to identify potential small business borrowers | 4percent | US | 2022 | T1 | fdic.gov |
| Large banks using FinTech in five or more steps of the small business loan process | 23percent | US | 2022 | T1 | fdic.gov |
| Banks using FinTech in their small business lending process | 31percent | US | 2022 | T1 | fdic.gov |
| Small banks using FinTech in small business lending | 30percent | US | 2022 | T1 | fdic.gov |
| Banks using FinTech for regulatory compliance in small business lending | 21percent | US | 2022 | T1 | fdic.gov |
| Maximum small business loan size that at least half of banks will make | 3USD million | US | 2022 | T1 | fdic.gov |
| Banks discussing or developing FinTech for small business lending | 22percent | US | 2022 | T1 | fdic.gov |
| Employer firms using a bank as their primary financial services provider | 84percent | US | 2021 | T1 | federalreserve.gov |
| Employer firms that applied for financing, excluding pandemic-related assistance | 34percent | US | 2021 | T1 | federalreserve.gov |
| Employer firms that received all the financing they applied for | 31percent | US | 2021 | T1 | federalreserve.gov |
Connected markets
Same vertical, other geographies
- UK SMB Finance & Payments · 20 facts
- Western Europe SMB Finance & Credit · 20 facts
- Eastern Europe SMB Finance · 16 facts
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