SBA Rural Lending Initiative

Each SBA loan application includes an indicator to enter whether a small business applicant is in an urban or rural area. In the past, SBA has relied on this indicator for its urban and rural lending activity.

To enhance the quality of its reporting, SBA will now rely on data from the US Census Bureau to determine whether the small business applicant is located in a rural or urban county. Loans with a project address in a county the US Census Bureau has defined as - ‘Mostly Rural’ or ‘Completely Rural’ will be treated as rural loans. Loans with a project address in a county defined as ‘Mostly Urban’ will be treated as urban loans.

View the Census Bureau’s County Classification Lookup Table or read more about their urban-rural classification.