US SBA

Small Business Administration 7(a) loan-guarantee data — aggregated across lenders, counties, states, and NAICS industries. This is the smallest of the four verticals by record count, but it’s the most underused: it ties SEC-registered companies to the small-business credit activity in their HQ county, and it’s the only public dataset with standardised charge-off outcomes at that granularity.

Coverage

Dimension	Value
Loan records	903,000+ SBA 7(a) guaranteed loans
Geographic aggregation	County (FIPS) × State (FIPS) × National
Industry aggregation	NAICS codes
Update cadence	Quarterly
Lender detail	Individual lender records with portfolio-level metrics
Outcome tracking	Charge-off counts, charge-off rates, charge-off amounts

Known limitations

Connecticut county-level aggregates have a FIPS schema gap. A 2022 FIPS schema change for Connecticut counties left approximately 6,408 loans unresolved at the county level. These loans are visible in state-level aggregates for CT but do not roll up into any county-level CT aggregate. Fix targeted for the next data refresh. Avoid using Connecticut counties as recipe targets or in production dashboards until the fix lands.
Loan-level records are not exposed. The endpoints return aggregates, not individual loans. This is intentional — borrower-level PII is not redistributable. If you need loan-level data for licensed research, contact hello@thesma.dev.
7(a) only in 1.0.0. SBA 504 (real-estate fixed-asset loans) and Microloan Program data are on the post-1.0.0 roadmap but not in the 1.0.0 release.

Endpoints

By county

Method	Path	Purpose
GET	`/v1/us/sba/counties/{fips}/lending`	County-level lending aggregates — volume, avg loan size, charge-off rate, jobs supported.

By state

Method	Path	Purpose
GET	`/v1/us/sba/states/{fips}/lending`	State-level lending aggregates.

By industry

Method	Path	Purpose
GET	`/v1/us/sba/industries/{naics}/lending`	NAICS-industry aggregates (national).

Lenders

Method	Path	Purpose
GET	`/v1/us/sba/lenders`	List lenders, ranked by recent volume.
GET	`/v1/us/sba/lenders/{lender_id}`	Lender detail — portfolio volume, geographic concentration, charge-off rate.

Cross-cutting

Method	Path	Purpose
GET	`/v1/us/sba/lending/characteristics`	Loan-characteristic aggregates — size buckets, term buckets, guarantee-percentage buckets.
GET	`/v1/us/sba/lending/outcomes`	Outcome aggregates — charge-off rates and amounts across dimensions.

Metrics catalogue

Method	Path	Purpose
GET	`/v1/us/sba/metrics`	All SBA metrics with their dimensions.
GET	`/v1/us/sba/metrics/{metric}`	Metric detail.

Cross-dataset enrichment on SEC

The ?include=lending_context parameter on any SEC company or financials endpoint adds a lending_context object with SBA aggregates for the company’s headquarters county and its NAICS industry:

{
  "lending_context": {
    "county_fips": "06037",
    "county_name": "Los Angeles County, CA",
    "county_loan_count": 3842,
    "county_total_amount": 2187000000,
    "county_charge_off_rate": 0.031,
    "county_jobs_supported": 24180,
    "naics": "3254",
    "naics_title": "Pharmaceutical and Medicine Manufacturing",
    "industry_loan_count": 412,
    "industry_charge_off_rate": 0.024,
    "period": "2025-Q4",
    "source": "SBA 7(a)"
  }
}

The enrichment is geographic AND industry — the county_* fields describe the company’s HQ county; the industry_* fields describe the company’s NAICS regardless of geography.

Screener filters

The /v1/us/sec/screener endpoint supports SBA-side filters for finding companies based on their county’s or industry’s lending conditions:

county_charge_off_rate_max
county_loan_count_min
industry_charge_off_rate_max
industry_loan_count_min

Example: Los Angeles County lending (FIPS 06037)

curl -H "X-API-Key: $THESMA_API_KEY" \
  "https://api.thesma.dev/v1/us/sba/counties/06037/lending" \
  | jq '.data | {period, loan_count, total_amount, avg_loan_size, charge_off_rate, jobs_supported}'

See the SBA county-lending recipe for the full walk-through with the Python SDK.