SBA Loan Portfolio Explorer — 7(a) & 504 Loan Data API with Rollups

An SBA loan data API over the official 7(a) and 504 FOIA loan-level files. Do a 7(a) / 504 loan lookup by state, NAICS industry, lender, fiscal year, or amount — then roll up by lender, industry, or geography and get risk / outlier flags (loan-amount-per-job outliers, charge-off/default proxy, single-lender concentration). SBA ships this data only as multi-hundred-MB bulk CSVs; this actor makes it queryable and adds the analytics layer.

Who it's for

• Fintech / small-business lenders & underwriters benchmarking lender books.
• KYB / due-diligence & fraud teams screening SBA borrowers and lenders.
• Economic-development & policy analysts studying loans by industry/state.
• Data & RevOps teams enriching a CRM with SBA loan history.
• AI agents needing an "SBA loan lookup / portfolio rollup" tool.

What it does

Queries the data.sba.gov CKAN DataStore for the selected program(s) and fiscal year, normalizes 7(a) and 504 loans into one snake_case schema (dates → YYYY-MM-DD, amounts numeric), applies your state / NAICS / lender / amount / date filters, and then either:

• returns loan-level rows with per-loan risk_flags + risk_score, or
• returns a rollup — one aggregate row per lender, NAICS industry, or state (loan count, total & average approved $, charge-off/default proxy rate, jobs supported).

Example input

{
  "program": "7a",
  "fiscalYear": 2023,
  "state": "CA",
  "naicsPrefix": "72",
  "mode": "rollup-by-lender",
  "maxResults": 5000
}

Output (per loan)

program, subprogram, borrower_name, borrower_city, borrower_state, project_state, lender_name, lender_state, gross_approval, sba_guaranteed_approval, approval_date, approval_fiscal_year, initial_interest_rate, term_in_months, naics_code, naics_description, business_type, jobs_supported, loan_status, charged_off, paid_in_full, charge_off_date, gross_charge_off_amount, amount_per_job, risk_flags[], risk_score, source_system.

Output (rollup row)

rollup_dimension, group key (lender_name / naics_code / state), loan_count, total_approved, avg_approved, total_guaranteed, charged_off_count, charge_off_rate, total_charged_off_amount, jobs_supported, avg_amount_per_job.

Use as an MCP tool

Available to AI agents via mcp.apify.com as an "SBA loan portfolio explorer" tool — filter in, normalized SBA loan records or lender/industry/geo rollups out.

FAQ

Where's the data from? The SBA's official 7(a) & 504 FOIA loan-level files on data.sba.gov, queried through the keyless CKAN DataStore API. Is it keyless? Yes — no API key or login. Does it include PPP? Not in v1. PPP is published only as a multi-GB bulk file; 7(a) and 504 are the reliable, queryable targets. PPP may be added later. How do I find risky lenders? Use mode: rollup-by-lender and sort by charge_off_rate, or run mode: loans and filter on risk_flags. Why a max-results cap? The FOIA files are large; maxResults bounds cost and runtime. Narrow with state / naicsPrefix / fiscalYear / query for targeted pulls.

Source

SBA data.sba.gov 7(a)/504 FOIA files via the CKAN DataStore (data.sba.gov/api/3/action/datastore_search). Official, keyless.

Pricing (Pay Per Result)

Billed per result row returned — one loan record OR one rollup row. Empty searches cost nothing.