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Advocacy Releases Annual Small Business Lending Report

Release Date: 
Wednesday, July 10, 2013 - 4:00am
Release Number: 

Total number of small business loans increases from 21.3 million to 23.5 million. 


WASHINGTON – The SBA Office of Advocacy study entitled, Small Business Lending in the United States, 2012, is a yearly review of the small business lending activities of depository lending institutions in the United States.  Small businesses use the report to identify small business friendly lending institutions in their community, while banks use the information to analyze the competition in their market. 

“While overall small business lending continues to decline, we are not seeing the sharp decline we saw in recent years.  More importantly, the study shows an increase in the number of small business loans which  underscores the positive turn in our country’s economic landscape,” said Dr. Winslow Sargeant, Chief Counsel for Advocacy. 

Overall findings from the study include:

  • The total number of small business loans increased from 21.3 million in June 2011 to 23.5 million in June 2012. 
  • The total small business loans outstanding continued to decline, but only by 3.1 percent this year as opposed to 6.9 percent last year.
  • While large business borrowing increased, total small businesses borrowing from depository lenders remained weak for both commercial real estate and commercial and industrial loans under $1 million. 
  • However, C&I lending in amounts under $100,000 was up in both the number and amount of loans for the first time since 2010.


Background:  The report analyzes data from Consolidated Reports of Condition and Income as well as reports required by the Community Reinvestment Act.  These two data sets are the only timely information that looks at the lending environment of small business by multinational lenders and lenders at a local level.    Because data is only available for the size of the loan not the size of the business, small business loans are defined as loans under $1 million throughout the report. 


The full report is available on the Office of Advocacy website at    


The Office of Advocacy of the U.S. Small Business Administration (SBA) is an independent voice for small business within the federal government. The presidentially appointed and Senate confirmed Chief Counsel for Advocacy advances the views, concerns and interests of small business before Congress, the White House, federal agencies, federal courts and policymakers. Regional advocates and an office in Washington, D.C., support the Chief Counsel’s efforts. For more information, visit, call (202) 205-6533 or get updates on Twitter (@AdvocacySBA) or Facebook at  

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