Insights into Effectiveness through Data Science

Small Business Credit Risk Quarterly – Q2 2026

We are excited to share our latest Small Business Credit Risk Quarterly!

The small business credit environment continues to send mixed signals. Overall SMB lending activity is declining, even as SBA lending remains strong, while risking business bankruptcies and uneven credit performance across industries point to growing pockets of stress. At the same time, shifting economic conditions and recent policy developments continue to reshape the outlook for small business lenders.

Our latest report takes a closer look at these trends, including SMB and SBA lending activity, credit performance, business formation and sentiment, bankruptcies, and the broader macroeconomic environment.

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Small Business Credit Risk Infrastructure

A Small Business (SMB) lender in the US approached 2OS to aid in the creation and implementation of a custom credit risk model, valuations model, and a full credit policy. The new credit infrastructure supported future opportunities to increase origination volume of profitable, low-risk loans.

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The Small Business Data Revolution: Reshaping Lending Decisions

Over the past decade, the Small Business (SMB) lending field has seen an explosion of innovation, with groundbreaking advancements in data sources, API technology, machine learning, digital onboarding, and instant decisioning. Initially driven by larger banks, these innovations have now been embraced and implemented at scale by fintech companies. In this article, we want to take you on a journey of how the SMB lending category has transformed over time, explore the emerging ecosystem of new technologies and data sources, and discuss how executives at banks, lending institutions, and payments companies can rapidly improve upon their current SMB offerings.

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