PPP Loan Finder API — 11M US SMBs + Enrichment

Search the public SBA Paycheck Protection Program (PPP) loan database — over 11 million U.S. small businesses that received COVID-era loans — and turn it into a clean, queryable lead list. Filter by state, company name, industry (NAICS), business type, city or loan amount. Optionally enrich every borrower with a website, LinkedIn, Facebook and secondary emails.

This actor is the fastest path from "I need a list of small business owners in the US" to a fully-enriched CSV of real, verified companies — with phone-quality data quality, free SBA-FOIA provenance, and no proprietary signup wall.

If you have searched for PPP loan database, PPP loan lookup by name free, PPP loan list by state, PPP recipients by zip code, PPP loan search by name, or small business email list, this is the actor. Same data that powers ProPublica's PPP search, Federal Pay, USA Today's PPP database — but exposed as an API you can run on a schedule and export to CSV.

💡 The SBA PPP dataset is the largest open dataset of U.S. SMBs that exists. Every funded loan was published under FOIA. This actor wraps it as a real lead-gen tool.

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🚀 Why this PPP Loan Finder API

• ~11M US small business records — every borrower the SBA published under FOIA after the Paycheck Protection Program ended
• Two tiers — loans over $150K (~1M big borrowers, full address) and $150K and under (~10M small borrowers)
• Real filters — state, NAICS industry prefix, business type, city, loan amount range, name substring
• Demographics included — race, ethnicity, gender, veteran status, nonprofit flag, rural / urban, HUBZone
• Servicing + originating lender — which bank handled the loan (key signal for fintech / banking outbound)
• Forgiveness info — forgiveness amount + date when published
• Web enrichment — per borrower, find a website, LinkedIn, Facebook, secondary emails via SERP
• No signup, no API key — runs against the public-domain SBA dataset
• Outputs — Apify Dataset → CSV, JSON, Excel, XML, RSS, HTML

Built for B2B SDRs targeting US SMBs, fintech and lender outbound, payroll / insurance / SaaS vendors, agencies running local-business prospecting, market analysts sizing industries, and journalists / researchers auditing the program.

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📊 What this PPP Loan Finder extracts

Field	Description
loanNumber	SBA loan number
dateApproved	Loan approval date
status	Current loan status (Paid in Full, Charged Off, Exemption 4, …)
statusDate	Last status update date
borrowerName	Business legal name
borrowerAddress	Street address (large tier only)
borrowerCity	City
borrowerState	2-letter state code
borrowerZip	ZIP code
initialApprovalAmount	Original loan amount (USD)
currentApprovalAmount	Current loan amount after revisions
term	Loan term in months
forgivenessAmount	Amount forgiven (USD), null if not forgiven
forgivenessDate	Forgiveness date
jobsReported	Self-reported jobs at application
naicsCode	NAICS industry code (6 digits)
naicsCategory	NAICS top-level sector
businessType	Legal entity (Corporation, LLC, Sole Proprietorship, …)
businessAgeDescription	Existing > 2 years / New / Existing > 5 years …
franchiseName	Franchise name if applicable
ruralUrbanIndicator	R rural / U urban
hubzoneIndicator	Whether the business is in a HUBZone
lmiIndicator	Whether the business is in a low-income area
race	Borrower race (when disclosed)
ethnicity	Hispanic / Not Hispanic / Not disclosed
gender	Female / Male / Not disclosed
veteran	Veteran / Not veteran / Not disclosed
nonProfit	Whether the business is a nonprofit
servicingLenderName	Lender currently servicing the loan
servicingLenderCity	Servicing lender city
servicingLenderState	Servicing lender state
originatingLender	Lender that originated the loan
originatingLenderCity	Originating lender city
originatingLenderState	Originating lender state
enrichment.website	Borrower website (optional)
enrichment.linkedin	Borrower LinkedIn page (optional)
enrichment.facebook	Borrower Facebook page (optional)
enrichment.emails	Secondary emails found via SERP (optional)
enrichment.phone	Phone number(s) found on the website (optional)
sourceUrl	Direct link to the SBA record

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🎯 Loan size tiers

The SBA published PPP loans in two slices because the volume is enormous. Pick the tier that matches your prospecting.

large — Loans over $150K (~1M records, fastest)

These are the bigger SMBs (10–500 employees typically). Address is included. Best for B2B outbound where deal size > $1K ACV.

{
  "tier": "large",
  "state": "TX",
  "naicsCode": "23",
  "minLoanAmount": 200000,
  "maxLoanAmount": 1000000,
  "maxResults": 500,
  "enrichWithGoogle": true,
  "enrichLimit": 200
}

small — Loans $150K and under (~10M records, state required)

These are the very small businesses: solo operators, contractors, micro-businesses. State is required for this tier because otherwise the dataset is too large to scan in a single run.

{
  "tier": "small",
  "state": "FL",
  "city": "Miami",
  "businessType": "LLC",
  "minLoanAmount": 20000,
  "maxResults": 1000
}

all — Both tiers (state required)

For when you need a complete SMB inventory in a given state.

{
  "tier": "all",
  "state": "CA",
  "naicsCode": "72",
  "maxResults": 5000
}

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💡 Use cases

This PPP Loan Finder is built for B2B lead generation, fintech outbound, agency prospecting, and journalism / research on the U.S. small-business landscape.

• B2B SDR prospecting against US SMBs — payroll, accounting, insurance, HR-tech, POS, fintech, ecom-tools, agency services. The SBA dataset is the cleanest national list of real, registered SMBs by industry
• Small business email list — combine enrichWithGoogle: true with an industry + state filter to build a verified, opt-in-able outreach list (emails come from the borrower's own public website / LinkedIn)
• Lender refinancing / alternative financing outbound — pull every SMB whose PPP loan is still active or recently paid off; offer SBA 7(a), invoice factoring, lines of credit
• Local SEO and digital-agency lead-gen — small businesses in a city without a website are the highest-converting market for "we build websites" agencies. Filter by state + city, then look for borrowers where enrichment.website is null
• Insurance prospecting — commercial liability, workers' comp, cyber. Combine jobsReported >= 5 + industry filter
• Real estate / commercial leasing — find borrowers in a market that may need bigger office or warehouse space (use jobsReported and currentApprovalAmount as growth signals)
• CRM enrichment — match existing accounts on company name + state to pull NAICS, jobs, and lender data
• Market sizing by industry / region — count PPP recipients by NAICS and state to estimate the actual operating SMB count in a market
• List of small business owners in US — the SBA published the borrower legal name on every funded loan. This is the most exhaustive list that exists, free and FOIA-clean
• Bank competitive intelligence — see which banks (servicing + originating lenders) own the SMB relationships in your geography. Use this to target bank reps for partnership deals
• Journalism / academic research — audit PPP fraud, demographic disparities, industry concentration. Every record is public-domain

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🧾 Example output

{
  "loanNumber": "1234567890",
  "dateApproved": "2021-02-19",
  "status": "Paid in Full",
  "borrowerName": "Lone Star Construction LLC",
  "borrowerAddress": "1500 Main St",
  "borrowerCity": "Houston",
  "borrowerState": "TX",
  "borrowerZip": "77002",
  "initialApprovalAmount": 285000,
  "currentApprovalAmount": 285000,
  "term": 60,
  "forgivenessAmount": 285000,
  "forgivenessDate": "2022-05-10",
  "jobsReported": 17,
  "naicsCode": "236220",
  "naicsCategory": "Construction",
  "businessType": "Limited Liability Company(LLC)",
  "ruralUrbanIndicator": "U",
  "servicingLenderName": "Chase Bank",
  "originatingLender": "Chase Bank",
  "race": "Not Disclosed",
  "gender": "Male Owned",
  "veteran": "Non-Veteran",
  "nonProfit": false,
  "enrichment": {
    "website": "https://lonestarconstruction.com",
    "linkedin": "https://www.linkedin.com/company/lone-star-construction-tx",
    "facebook": null,
    "emails": ["info@lonestarconstruction.com", "estimating@lonestarconstruction.com"],
    "phone": "+1-713-555-0142"
  },
  "sourceUrl": "https://data.sba.gov/dataset/ppp-foia/loan/1234567890"
}

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🆚 Compared to alternatives

Tool	Loan filters	Demographics	Web enrichment	All states	Export	Cost
PPP Loan Finder API (this actor)	✅ All fields	✅ Race, gender, veteran	✅ Optional	✅ All 50	CSV / JSON / Excel	Pay-per-event
ProPublica PPP	⚠️ Limited UI	⚠️ Partial	❌	✅	❌ HTML only	Free, no API
FederalPay PPP	⚠️ Limited UI	❌	❌	✅	⚠️ Manual CSV	Free, no API
USA Today PPP database	⚠️ Limited UI	❌	❌	✅	❌	Free, no API
SBA's own portal	⚠️ Hard to query	✅	❌	✅	⚠️ Bulk downloads	Free, raw
Apollo.io / ZoomInfo	⚠️ Generic SMB	❌	✅	✅	✅	$$$ subscription

If you only need to look up one company by name, ProPublica or FederalPay are fine. If you need a real list of US SMBs filtered by NAICS, state, loan size and enriched with website + emails, this actor is the fastest path.

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⚙️ Input parameters reference

Parameter	Type	Default	Description
tier	string enum	large	large (>$150K) / small (≤$150K, state required) / all
state	string	—	2-letter state code. Required for small and all
companyNameContains	string	—	Case-insensitive substring on borrowerName
naicsCode	string	—	NAICS prefix (23 Construction, 72 Hospitality, 54 Professional services)
businessType	string	—	Corporation, LLC, Sole Proprietorship, …
minLoanAmount	integer	—	Minimum initialApprovalAmount (USD)
maxLoanAmount	integer	—	Maximum initialApprovalAmount (USD)
city	string	—	Case-insensitive substring on borrowerCity
maxResults	integer	100	Hard cap (1–10,000)
enrichWithGoogle	boolean	false	Per-borrower web enrichment (website / LinkedIn / emails)
enrichLimit	integer	50	Max borrowers to enrich (1–1,000)
proxyConfig	proxy	residential	Used for enrichment only

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💰 Pricing & cost

Pay-per-event:

• Per borrower returned — small fee, scales linearly
• Per enriched borrower — only when enrichWithGoogle: true, capped by enrichLimit

A typical run pulling 500 construction companies in Texas with no enrichment costs less than a coffee. Adding enrichment to 200 of them stays well under $5 per run.

Failed requests, rate-limit backoffs and dataset-side empty pages are not charged.

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🧭 Quick reference — popular NAICS prefixes

NAICS prefix	Industry
11	Agriculture, Forestry, Fishing
21	Mining
22	Utilities
23	Construction
31–33	Manufacturing
42	Wholesale Trade
44–45	Retail Trade
48–49	Transportation and Warehousing
51	Information / Tech / Media
52	Finance and Insurance
53	Real Estate / Rental / Leasing
54	Professional, Scientific, Technical Services
56	Administrative / Support / Waste Management
61	Educational Services
62	Health Care and Social Assistance
71	Arts, Entertainment, Recreation
72	Accommodation and Food Services
81	Other Services (incl. repair, personal services)

Use the 2-digit prefix for broad sweeps (23 for all construction), or a longer prefix for finer cuts (238 specialty trade contractors).

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❓ Frequently asked questions

Is this data real and verified? Yes. Every record comes from the SBA's own FOIA release of the Paycheck Protection Program. The dataset is the legal source of truth — banks and courts use it.

Is the PPP loan database free? The raw SBA dataset is public-domain and free. This actor charges only for the work of filtering, enriching and delivering it as a clean stream you can use in a CRM or outbound tool.

Is the borrower's address always present? For loans over $150K (large tier) — yes. For loans $150K and under (small tier) the SBA published city + state + ZIP only; the precise street address is redacted.

Why is state required for the small tier? The small-tier dataset is ~10M records split across 12 huge CSV files. Filtering by state lets the actor download only the slice you need.

Can I get phone numbers? The SBA does not publish phone numbers. The enrichment step will pull a phone if the borrower's public website lists one (most do).

Can I get borrower emails? The SBA does not publish emails. The enrichment step pulls any emails the borrower has published on their own website, LinkedIn page, Facebook page or contact form.

How fresh is the data? The SBA dataset is a snapshot of the closed-out PPP program (2020–2021 loans, with forgiveness data through 2023). The actor reads the latest published snapshot from data.sba.gov.

Can I get PPP loan lookup by name free? Yes — set companyNameContains to a fragment of the borrower name. The base lookup is the same data ProPublica's PPP search uses, just exposed as an API.

Can I get a PPP loan list by zip code? Set state + city. The actor returns borrowerZip per record, so you can post-filter by ZIP in the Dataset view.

Does this scraper work for EIDL loans (the other COVID program)? Currently no — this actor focuses on PPP. EIDL has a separate dataset and a separate actor is on the roadmap.

Is this legal to use for outbound sales? The dataset is public-domain. Outbound sales must still follow CAN-SPAM, TCPA, and state law. The actor does not generate or send any messages.

Can I run this on a schedule? Yes — Apify Schedules supports cron expressions. Common pattern: weekly run with a fresh industry + state slice to keep your CRM warm.

Does enrichment really find websites and emails? For most SMBs with a public web presence, yes. For solo proprietors with no website, enrichment returns null. The actor is honest about misses.

How does this compare to Apollo / ZoomInfo? Apollo and ZoomInfo are great for tech companies and enterprise. For US Main-Street SMBs (plumbers, restaurants, contractors, retailers) the SBA PPP dataset is denser, cheaper, and FOIA-clean.

Can I integrate this with Claude, Cursor, or other AI agents? Yes — call the actor via the Apify API from your agent, or wrap it with Apify's MCP server.

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🔗 Other actors by makework36

Useful companions for B2B and SMB lead-gen workflows:

• FMCSA Trucking API — every US trucking carrier with DOT/MC, address, fleet size + enrichment
• NPI Registry API — every US healthcare provider with NPI, taxonomy, address + enrichment
• Website Email & Contact Finder — extract emails from any URL
• Google Maps Scraper — local business data + emails + phones at $1/1K
• Facebook Ad Library Scraper — competitor ad intelligence
• IndiaMART Suppliers Scraper — B2B suppliers with verified phones + GST
• Reddit SaaS Leads Scraper — find startup pain points and early adopters
• Reddit Real Estate Leads — buyers, investors, landlords
• Shopify Products Scraper — any Shopify store catalog
• Trustpilot Scraper API — reviews + ratings
• Substack Scraper — newsletter posts and authors
• Lovable Sites Scraper — discover .lovable.app apps

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📝 Changelog

• v0.1 — Initial release. Three tiers (large / small / all), 30+ fields per borrower, optional Google enrichment, all 50 states.

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🛠️ Support

Missing a field, hit a bug, need EIDL? Open an issue or message me directly from the Apify Console. Fast turnaround for paying users.