TheCrowdCafe: The State of Small Business Lending
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The Depressed State of Small Business Lending
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By: Jonathan Sandlund (@jsandlund)www.thecrowdcafe.com(investment crowdfunding research, data and analysis)
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Refer to corresponding article: http://www.thecrowdcafe.com/crowdfunding-main-street-small-business-revolution/
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All numbers in millions2005200620072008200920102011
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SBA: Small Loans to Businesses
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Value of Loans601,480634,189686,760711,452695,214652,210606,947
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% Change5%8%4%-2%-6%-7%
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Number of Loans21.021.324.527.223.222.421.3
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% Change1%15%11%-15%-3%-5%
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FFIEC: Loans to Small Businesses
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Value of Loans 271,615305,587329,222295,561206,210179,639197,472
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% Change13%8%-10%-30%-13%10%
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Number of Loans 8.012.613.510.86.24.35.1
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% Change59%7%-20%-42%-31%20%
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-0.3585801228
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Small Business Administration (SBA) Data
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-- Published in "Small Business Economy 2011"
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-- Tracks business loans of $1 million or less, regardless of business size
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-- Not a pure measure of small business lending as big businesses can easily, and often do, take out loans of $1 million or less
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Federal Financial Institutions Examination Council (FFIEC) Data
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-- Tracks loans made to businesses with $1 million in revenue or less
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-- A more accurate representation of the state of small business lending as it accounts for business size
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Summary 2
Summary
Source: SBA
Source: FFIEC