SBA, USDA & CRE Lending Data

Loan Analytics publishes state-level SBA 7(a), SBA 504, and USDA lending data, county-level demographics, and commercial real estate market metrics. Lenders, sponsors, and analysts use our datasets to pressure-test projects before a feasibility study ever reaches underwriting.

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What the Loan Analytics Dataset Covers?

Three data layers, one underwriting-grade picture of every state market.

SBA & USDA Lending Data

Loan-level records from SBA FOIA releases and USDA Rural Development obligation files, aggregated into state and county tables: approval counts, dollar volume, average loan size, program mix, and industry concentration across 7(a), 504, B&I, and REAP. Updated each federal fiscal year, so the figures lenders see match the cycle they underwrite in.

County Demographics & Growth

Population estimates, net migration, household income, and growth projections at the county and city level, sourced from the Census Bureau and state demographic offices. The same demand fundamentals that determine whether a project's trade area can absorb new supply, presented alongside the lending data they explain.

CRE Market & Construction Metrics

Vacancy, absorption, rent trends, and pipeline activity by asset class, paired with metro construction cost indices benchmarked against the national average. The market context that turns a loan request into an evidence-backed decision, and the layer most state-level data sources leave out.

Loan Analytics.

Federal lending records, county demographics, and CRE market metrics, organized the way credit decisions are made.

Loan Analytics turns public data into decision-grade market intelligence. We aggregate SBA 7(a) and 504 loan records, USDA Rural Development obligations, Census Bureau demographics, and commercial real estate fundamentals into state-level datasets that lenders, sponsors, and analysts can read in minutes and rely on in committee.

Why Independent Data Matters in Guaranteed Lending

SSBA and USDA loan programs run on evidence. Underwriters, CDCs, and agency reviewers expect every demand claim to trace back to a verifiable source. An independent, data-rich market picture:

Surfaces market risks early, before they surface in credit committee.
Quantifies demand with public, citable sources rather than sponsor assertions.
Shortens review cycles, because numbers that carry their own citations invite fewer questions.

How the Dataset Is Built

Source: loan-level SBA FOIA releases, USDA obligation files, Census and BLS series, and brokerage-published market reports.
Standardize: records are cleaned, deduplicated, and mapped from zip code to county and metro.
Aggregate: approval counts, dollar volume, average loan size, program mix, and industry concentration by state and county.
Contextualize: lending figures are paired with demographics, CRE fundamentals, and construction cost indices.
Refresh: tables are updated on the federal fiscal-year cycle, so the data matches the vintage lenders underwrite against.

What the Coverage Includes:

Lending programs: SBA 7(a), SBA 504, USDA B&I, REAP, and Community Facilities.
Market layers: population and migration, household income, vacancy, absorption, rents, pipeline, and construction costs.
Geography: state-level pages with county detail, expanding market by market.

The same data spine underpins independent feasibility studies for projects that need a full lender-grade report.

Need More Than the Data?

When a project requires a complete, agency-conforming feasibility study rather than the underlying data, Loan Analytics prepares independent reports built on the same dataset. Start with the numbers, and engage us when the file needs the full narrative. Contact us for scope and timeline.

SBA & USDA Feasibility Studies

Bankable analytics for lenders, investors, and sponsors

Our team brings Big‑Three consulting rigor to the highly regulated world of government‑guaranteed lending. Every study we produce is engineered to withstand the scrutiny of credit committees, CDCs, the SBA Sacramento Center, and USDA Rural Development reviewers—delivered on time, audit‑ready, and formatted for direct insertion into loan memos.

SBA 7(a) & 504—Typical Project Mandates

Owner‑occupied real estate: medical, dental, veterinary, professional services, light industrial condos
Hospitality & leisure: limited‑ and select‑service hotels, boutique inns, RV parks, campgrounds, wedding venues
Food & beverage production & retail: QSR and casual‑dining restaurants, craft breweries/distilleries, specialty food manufacturing, commissary kitchens
Automotive & convenience assets: gas stations, c‑stores, express car washes, lube/oil centers
Franchised & personal‑services concepts: childcare, tutoring, senior day‑care, fitness and wellness studios
Specialty asset classes: self‑storage, cold‑storage distribution, indoor agriculture, aquaculture, micro‑fulfillment hubs

USDA Business & Industry | Community Facilities | REAP

Rural manufacturing & value‑added ag: dairy or meat processing plants, sawmills, grain milling, fiber extrusion
Renewable energy & bio‑economy: solar PV and BESS farms, anaerobic digesters, biomass/wood‑pellet, RNG facilities
Cold‑chain & logistics: food‑grade warehouses, cross‑dock terminals, intermodal rail spurs
Healthcare & social infrastructure: critical‑access hospitals, rural medical clinics, assisted‑living and skilled‑nursing facilities
Tourism & recreation: eco‑lodges, destination marinas, agritourism resorts, heritage attractions
Broadband & utilities: fiber backbones, 5G tower deployments, water & wastewater upgrades under WEP and ReConnect

Across both programs we quantify market demand, competitive positioning, revenue ramps, cost structures, job creation, and collateral adequacy. Our models integrate regional demographic shifts, scenario‑based stress testing, and sovereign‑curve discount rates to generate clear recommendations—go / no‑go, optimal leverage, and covenant design—giving lenders the confidence to close and service the loan.