Methodology
How CapBench builds its SBA data
Every ranking and risk number CapBench publishes is computed from public SBA and FDIC records. Each page below shows the sources, the calculation, and the limits — and backs a methodology URL returned with the matching API response.
How CapBench ranks SBA lenders
How CapBench ranks SBA 7(a) lenders: national rankings by fiscal-year production and per-state rankings by trailing-12-month activity, from public SBA records.
How CapBench calculates SBA failure rates
How CapBench calculates SBA 7(a) failure (charge-off) rates by state and by lender, using FY2020–2023 approval cohorts from public SBA records.
How CapBench scores franchise financing risk
How CapBench builds each franchise brand's financing record: SBA 7(a) loan history, typical project cost, rates, and charge-off rate from public SBA records.
How CapBench measures industry risk
How CapBench builds industry-level SBA intelligence: 7(a) acquisition volume, typical loan size, rates, and charge-off rates by sector from public SBA records.
AI summary
This methodology hub documents how CapBench computes every SBA number it publishes — lender rankings, loan failure rates, franchise financing risk, and industry data — each on its own page showing the sources, the exact calculation, and the limits of what the data can tell you.
Every figure is built from public SBA 7(a) and FDIC records, and each methodology page backs a methodology URL returned alongside the matching API response, so analysts and agents can trace any published stat to how it was derived. This is general information, not legal, tax, or financial advice, and CapBench is not a lender.
Source: CapBench SBA Intelligence, based on public SBA, lender, franchise, FDIC, and related records. CapBench is not a lender and does not guarantee financing.