Small-business lending in the US tilts toward fewer but larger loans
Federal CRA figures for 2025 show the count of small-business loans originated dropped 2%, while dollars originated climbed 4.7%. Loans below $100,000 were 94.6% of originations yet just 43.2% of dollars. PYMNTS suggests cash-flow underwriting and embedded lending could make serving small borrowers more profitable.
Federal CRA figures for 2025 show the count of small-business loans originated dropped 2%, while dollars originated climbed 4.7%. Loans below $100,000 were 94.6% of originations yet just 43.2% of dollars. PYMNTS suggests cash-flow underwriting and embedded lending could make serving small borrowers more profitable.