SBA lending in 2025 wasn’t just “common”—it was historically elevated , and that actually tells you quite a bit about the underlying macro setup heading into 2026. 1) How common was SBA lending in 2025? The SBA guaranteed ~85,000 loans totaling about $45 billion in FY2025 — an all-time record. That followed already strong 2024 levels (~$50B), meaning multiple consecutive years of heavy government-backed credit expansion . Roughly 20% of small business borrowers specifically sought SBA financing , making it a meaningful (but not dominant) channel within the broader credit ecosystem. There was also a shift in composition: Fewer total loans but larger average sizes (more capital flowing to stronger borrowers). Larger 7(a) loans made up a disproportionate share of total dollars. 👉 Bottom line: SBA lending was high in volume, but increasingly concentrated and selective . 2) What does that signal about the macro backdrop? SBA lending is a very specific signa...
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